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Just paid $920 to NRMA with new for old replacement for the first two years and the HUD windscreen extra cover (no excess for windscreen) - $20 cheaper than what i paid for the X5 on "Real Insurance" (NRMA was $1800 on the X5).
They use the option list you get from the purchase of your car to replace the new one for the first two years, then it's market value or agreed value (you choose when the time comes)
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