Here is a perfect example as to why you want Full Comp insurance:
Myself and Bigbird were on our way to Sandown until the 17yr old unlicenced, uninsured driver of the echo rearranged our day.
We are still waiting to hear if the Bm is written off, which it most likely is, but thankfully insurance is taking care of everything. Still a pain in the ass tho. Although, not nearly as bad as if we didnt have insurance.