Always get a new policy each year because insurers load loyal customers prices. Shockingly, they automatically renew policys each year without your knowledge and take your money (I know, should have spotted that), even insured a property (unbeknown to me) that we moved out of over a year ago, happily took my money and making a drama of paying back (even though i was insured by another firm). Still daft enough to keep posting to our old address.
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