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Increasing excess can also help. If you're willing to pay more than 50 % of the mandatory excess equivalent in voluntary excess, it might bring you a hundred or so down. The risk attached is having that money ready if needed. So one needs to save.
The only time I haven't seen it work is with BMW. When I said £600 they said it increased the premium by £170. When I said £300 it dropped by over £100.
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