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only thing about the bonus accelerator is it then commits you to them the following year as the bonus accelerator only counts with norwich union no one else
im insured with barclays,who are actually using norwich union.i live in hinckley and mines a band c for crime rating on the old post code thingy.thats with no mods but norwich union in the past havent put mine up for much.
a bmc wont increase the performance so i would say you replaced it with...