Looking at the vehicles, nothing worth over 1k so no real loss to the drivers. I don’t believe anyone declares modifications that includes towbars and hands free phone systems unless factory specification, by the way. Perhaps if insurers did better inspections before paying out claims, those who respect the laws of the land would see our premiums lower and those who don’t would be penalised!Looking at the vehicles, nothing worth over 1k so no real loss to the drivers.
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