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Well i did 4k of damage to mine last year in a single car incident in the early hours....... worried like hell about the Forge DV that i have on (006, silver, no engine cvr.... doesnt 'alf stand out!!), but within not even 24hrs the repairs had been approved and on its way to being fixed.

This was with Direct Line. Tempted by a remap, but darent even ask them for a quote, no doubt ill be 'flagged' from that point on, which would screw me over if i ever decided to get one and keep schtum :)