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The monthly figure was £176. I've decided to go annual, but will be asking what happens if I sell the car (say) 3 months in.
I'm planning to keep for at least 2 more years as nothing else interests me car wise right now. I will look to align its sale or trade in with just before a renewal if they dont prorate refunds. I very much doubt that they refund.
If I discover more, I'll post up. Thanks for the good info.
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