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Adrian Flux Vs Lloyd Latchford

After my car was crushed by a tree, I've now found a replacement, but the premiums have shot up because even though I have 10 years NCD, the tree falling is technically my fault- according to the insurance companies...

I've had quotes from the two companies above which are significantly below any from the bigger firms. I'm tempted to go with Lloyd latchford, since their underwriter will also be providing my professional indemnity insurance in a few months, but I'm wondering if anyone has any experience of either firm?

Ta.
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