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***Mr Dave***I would say most people who insure with a bank could save upto 50% by going to a Insurance Company who know what they are doing.
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I fell into that trap Mr D insuring with the bank, all they do is pass you on to a high tarriff company and take a commission, going to a broker saved me 60% as I had 1 years no claims bonus, the only reason I looked elswhere was the banks insurers wanted to increase my premium, robbing gets.