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Similarly, a crash in a Vauxhall Corsa is likely to cost less to repair than a crash in a BMW 7 Series, so the BMW driver pays more to offset the increased financial risk.

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You could of course opt for a lower level of cover for the periods when the vehicle is not in use and then upgrade when you do use it.

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Those at the higher end of the scale are the most expensive to insure, whereas those at the lower end are cheapest.

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