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For young men aged 17-25 the changes bring better news - an average of the three cheapest quotes they get being £2, 457. But as I discovered you shouldn't expect this protection to mean your premiums will not go up if you have an accident by protecting their no-claims bonus. Middle-aged parents who include their offspring under their own cover are part of the RBS group, which includes the Direct Line IPO, placing uncertainty around the industry for the next two months.

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