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    Why is insurance so high?
    What does it cover?
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    (Original post by Randz18)
    Why is insurance so high?
    What does it cover?
    The price being high is subjective based upon your age as the primary factor. To young drivers, it's high, but to the average 40 year old, it's quite cheap. Why? Risk.

    Insurance covers so much - the basic level of cover will pay out millions of pounds if you cause millions of pounds worth of damage - there's not really a limit.
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