[silverbmwz3]

I don't know why people bother with shortfall insurance, just get a policy that gives you a new car + extras in first year if you have a write-off/its nicked. In 2nd year, who cares - you had a 2 year old car, they give you the money for market value of a 2 year old car and you go out and buy a 2 year old car. ?????

As far as I'm concerned its designed to make you BETTER off than you were in the event of an accident/theft. In that case you may as well go out and buy several hundred quids worth of lottery tickets, there's a bigger prize and probably just as much odds that you'll actually use it (ok perhaps that's a bit of an exageration).