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If you know you're going to change cars within a year and you've brought the car brand new, bear in mind that most decent car Insurers will arrange a brand new replacement vehicle if you write it off in the first year of ownership.
NFU offer two years and last time I looked so do Saga.
Admiral group offer no replacement vehicle.
It should be noted that they arrange a replacement of the same make and model where possible but they will not settle your finance just give you a new car.
I would avoid Hastings as they offer the cover but have a dodgy wording on it
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