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Car insurance advice


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Can anyone clarify this for me please.I had someone run into the back of me.I was a named driver on my ex partners policy,wasnt my fault and a personal injuries claim was also made.Im waiting for the payout and when i get it will by a new car,as other was wrote off.Will i have to declare this,even if the policy was in someone elses name?.I have been getting quotes for both not declaring and when i do declare it another £250 is slapped on top.

 

Thanks

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