The Q4 has also been great for me, and yes it is fun
On the A28 on Friday night, I had to try executing an emergency stop when a car heading towards me lost it and started sliding across the wrong side of the road
I managed to stop safely -- although not undramatically -- but I have no idea how the car in front of me managed to avoid it! There could only have been inches in it.
Young wipper-snapper here!
Actually my compulsory excess is also £400
(The less said about the voluntary, the better...)
I'm very surprised by the number of people who don't seem to have adequately altered their driving styles to suit the conditions. By and large they've figured out it's wise to drive slower, but I still had people within a car length of my rear bumper on what I would consider to be pretty icy roads..