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David,
Yes I agree regarding Brokers but some of the insurance companies - Direct Line - for instance only deal with you direct via phone or internet. They are often the cheapest.
My best buy recently is our travel insurance. Being ex BT and paying a modest fee monthly to the pensioners NFOP - this year we have an agreement with the Civil Service insurance for multi travel worldwide for £255 per year. No age limit and no medical loading.
Neville
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