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  • I can't believe that M&S want to charge you so much Dammit. I've got around £10k of stuff in my flat that I would want to replace, inc. over £4k worth of bikes that I have insured off the premises, a small excess (£100 at the most) and I live in Haringey which isn't exactly low crime, they ask me for £360 ish. Maybe there is something in your application which would be better described another way and is putting your premium up?

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