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You can drive on it without a prob, mines was broken, must likely just the little bit at the end.
As for rear bearings, the old man fitted them for me, so can't be too hard to do.
Well if your interior is all leather, car isn't dark green and you don't have a number from 1-172 on your sills in the car it wont be an exclusive.
Could just be the isurance sites being dodgy, my car is down as a Plus but it aint.