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    another trick they do, think i have mentioned this before, is send a letter very close to the renewal date asking why i had not renewed. the first time i fell for it and renewed the next year they done the same and i cottoned on that they hadn't sent a renewal letter in the first place.

    this time i got straight onto the internet and found a much cheaper deal but as barry says above we really have to read the small print about coverage, excesses etc.

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