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OK, so sounds like I DO need to list the changes, but they don't worry except for increasing my chance of getting stolen & therefore premium. But I don't get the bits replaced if anything happens. But if I don't tell them about the bits, then something happens they may not payout.... so have to tell really.
Will also check out this agreed value deal.
Am still doing a bit of shopping around re price. Will post comparison at end.
Best, Taman
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