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I have cover with M&S Money, at £16.99 per month
It's M&S Premier cover their life cover, with £7000 per year and a £70 excess per condition claim limit, I don't think you can increase the excess. This is our second year with them it has gone up from the first year but that will happen with all company's. I also got 10% on-line discount on the first years premium.
Never had to claim yet ( touch wood ) but beater to be prepared.
 
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