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Hi, lost a UK400 torch at the weekend there, if I claim on my contents insurance what torch would I get as equivalent replacement and is it worth claiming? My contents excess is £50!!
 

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Its worth using one of the online price search things for your insurance (confused.com springs to mind, but there's probably others), just try some numbers to see what difference a claim makes on your premium. A UK400 is not particularly expensive, not entirely sure but you can get one for about £80-£100? You might find your premium goes up more than you save from claiming.

David
 
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