I took a care insurance in March last year on a bmw 630d which has a 3l engine. Last month I changed car to a wheelchair accessible VW Sharan as my daughter is in a wheelchair. They never said that I am owed any money and to be fair I didn’t expect them to. However in the meantime my new car has developed a leak through a sun roof and the garage that sold it to me is going to sort it out and they gave me a replacement. The replacement is a 530d bmw which has the same engine as the car that I initially had on the policy but it is a little bit cheaper. I called to just put that as a temp replacement for two weeks and they are asking for €200 in difference. They say that bmw is 12 categories over the VW to justify the asking price. So their logic is you go down 12 categories and they change it for “free”. You go up 12 categories just for two weeks and you have to pay them €200. They said the difference is calculated of the car that is currently on the policy and never mind that you initially paid premium for a different car that is very close to the replacement one. Make it make sense. They can make as many rules that suit them and in every scenario you will end paying them more money. I strongly recommend steer clear of this soulless money grabbing scheme.
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