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I'm with Liverpool Victoria. They are the only company I know that don't give two poo's about SP30's. I'm 34 (6 points, SP30's), the others 33 (6 points, SP30's). We've got 5+ Years no claims, live in a sort of medium risk area and it cost £460 Fully Comp for a new 182, protected no claims, nill excess. Give um a go, you can always say to them you called Tesco and they could do it for X. Nothing ventured, nothing gained.