Modified Discovery insurance?

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I just renewed my Modded Disco thro Sure-term, beat Flux by a long shot,
Sureterm 220quid FC with Green Laning and usual crap, and Err in doors on it(Not that shes drives it or owt, but just incase!)
Flux 302quid just for me, and 378quid with Err in-doors! (Rip off!) Always insured my classic minis with them to, always been good in the passed so was surprised when they did come close??
 
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