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13:36 - Of course there is no automatic entitlement to reduced premiums as such BUT (i) there is a reasonable expectation that premiums should reduce over time through the NCD process where no claims are made and (ii) if a comparison site comes up with a genuine premium elsewhere that is 1/3 of the customer's latest quote, then there can be no doubt that the insurer, far from rewarding loyalty, has been cynically relying on the loyal customer's inertia to fleece him/her for as long as they can get away with it.

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