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Reply to Craggle Rock @ 15:49 GMT

But why would you assume it should come down every year? if the average annual policy is lets say £500 and you have 20 years at that premium that's £10K.
Lets now say you have an accident and you right off your £6K vehicle along with a third party vehicle valued at £4K which is also written off then you can see exactly why premiums do not come down and most insurers will lose money on every policy they sell.

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