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Cancelling Bell

Car  E90 320d M Sport
Hi there,

I'm going to buy a 172 this week and i'm getting quotes of £900 from bell.

I'm 20, 3 years license and 3 years ncb. Flux quoted me £1600.

Will I be ok to go with bell, paying monthly and then when i'm 21 cancel it?

Will I be charged etc it's just it drops to £550 with Directline with a lower excess when i'm 21 (Sept)
 
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