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      11-19-2019, 11:00 AM   #49
The0pportunist
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Drives: F30 335i
Join Date: Sep 2012
Location: London

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In the UK if you put through an insurance claim and it gets denied then that's bad as you will have to declare you had a claim denied going forward and the premium gets loaded.

I'm guessing this is why the op does not want to risk going through insurance?