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You need to bear in mind that your insurance will pay out, so your claim limit does not need to be so high. For example, if the car cost £18k new and you write it off in year 3, you insurace will pay IRO £9k, so to replace the car under VRI the shortfall will be £12k (Assuming the new price increases to £20k over 3 years.)
Your claim limit therefore can be around £12-14k.
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