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Old 10-12-2013, 14:43   #5 (permalink)
 ChrisKnottIns
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Thanks for the idea but it's not just the cost of the repairs against the value of the vehicle that matters to insurers, it's the personal injury element of a claim that drives up the cost for younger drivers.

Your 18 year old mate who is left disabled for the rest of his life because of your collision with a tree will cost much more in compensation than a 60 year old passenger injured in her husband's car.
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