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@marie
Just noticed that Butterworth (CycleSure etc.) are saying this now - "From March 2009 we are delighted to be able to confirm that all of our schemes will benefit from full 'New for Old' cover, i.e. depreciation is not applied in the event of a claim, regardless of the age of the cycle." So I'm going to try a quote from them too - before I slack off any more at work though, Butterworth horror stories anyone?