there is no such thing as loyalty it is the contract legally that you have with an insurance company. You either are covered or you are not. Read the documents.
If my insurance policy states that unless my car exceeds £5000 value any extra insurance against liability of uninsured loss requires me to exceed that otherwise the unisured loss will not apply. I will have to pay it any way. The insurance market is about providing money for the rich not insuring the poor. E.G. group 20 £200000 cars = £2000 year group 10 £15000= £1000 year
so I am paying for nothing won't have it then easy money for them
paay insurance that has no prospect of paying out = con
why not pay for travel insurance and not leave the UK when you do not leave the UK with your car insurance
= ***
you are if you buy it