Thank you Admiral, for that....

....extra £20 fee.

It's my own fault.
When Audi Glasgow give you a courtesy car, they expect you to insure it.
Fine, I thought, done this before, odd though it is, with no charge or difference to the level of cover.
Normally, on the two occasions I've had to do this, the courtesy car has been in the same insurance group as my own vehicle, so as you and I would expect, no charge; one car on the road, as one car is off the road being repaired, serviced or whatever.
Not this time.
The courtesy car in question is not a larger-than-Kolo Audi A3 or VW Golf, no it's a 1.2 petrol powered VW Polo. Two whole insurance groups lower than my 1.4TDI A2 SE. The Polo doesn't even have remote central locking.
When I finally drove home, through the rush hour M8 traffic, I really found myself wondering why I have to pay £20 extra for just 3 days in the little VW.
I phone up Admiral, and a nice person in an overseas call centre answered.
"The £20 is for up to a week, it's standard extra charge because if you crash, we would have to pay the full market value of the car."
So, I thought, would you not with my car?
"No, because you do not own the courtesy car, we would have to pay out full amount. Your car it would be different, it's a standard charge to cover this."
He also added
"It covers you also, say you hit a famous person in the courtesy car."
So, when I get my car back, my own car, on Friday the 13th, Celebs in Glasgow better watch out, because I'm not worth much and it would seem, I'm not insured if I hit the famous.
Tomorrow and Thursday however, Celebs, you're fair game!

Hmm, so, £20 down and worms everywhere, can cut open....

....when they say fully comp, they mean, not that fully. A kind of nearly fully.