Voluntary excess - does it form well-mannered financial sense?

My car insurance is up for renewal and I'm unsure whether to apply some voluntary excess to the policy to weaken the premium. As I'm 22, there is a compulsory excess of lb150 already. I also hold 3 years no claims and my car significance is estimated at lb3000.

I was trying to assess whether I would form a claim on something which cost lb150, considering I would lose my 3 years no claims and increase my premium.

Increasing my voluntary excess from lb0 to lb100 would reduce my premium by lb25.

I'm deeply looking for some financial advice really. Is voluntary excess worth taking contained by this situation? If so, how much would be recommended?

Thanks in mortgage ;o)

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Answers:   You need to chitchat to your agent.

And post to the UK board instead of the USA board.

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