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  • I don't think insurers are interested in depreciation .

    If I wrote off my heavily used 2009 FP2, they'd cover me for a brand new FP2...they wouldn't say they'll only give me £500 for a heavily used second hand one.

    No they wouldn't. That would entail wrangling and hassle. They'll stump up then get it back and more in the massive premium hike you'll have for the next 3-5 years.

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