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Card Protection Policy renewal – are they worth it

I’m starting to think if this policy is worth it. I have never ever used it and it has been increasing each and every year currently £16 per year with Barclaycard, covers the whole family though.

Does anyone know of any cheaper policy’s out there? Are they really worth it? The T&C’s probably wouldn’t cover any normal event anyway; they’ll just squeeze out of it as they always do. Then again that applies to all policies.

Comments appreciated.
Val :)

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