And the excess fee is £50 now. What are your thoughts?
My thoughts remain the same as before: Buy real insurance. Read the insurance coverage document and be underwhelmed. I have yet to read any coverage document from a credit card provider being anywhere near up to par with real insurance. You will most probably experience that you are significantly underinsured when you might need it.
To me, the insurance that comes with a credit card, is a nice extra. It’s not a feature I am willing to pay extra for.