Fair play for putting this together mate, always good to have a balanced opinion from both sides of the coin.
The way I look at it is that when I took out my quote, if i edited the quote and removed the 3 years no claims, it shot up to £1056 and with the 3 years no claims I pay £440 so I am glad that I didnt front otherwise I would be paying more now and for the next few years
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