Unfortunately due to the idiot factor and the dodgy claims some dealers and skiers are putting through we all are paying via our renewals and yearly premiums. The ski to ski excess is a great idea. I was loyal to spt until now i just saved over $240 on switching to youi, they also have the one pds with the one excess on all legit claims give dave a call 0731563758 i told him he could be unindated with calls. He has already called me thanking for the new business he has now created.

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