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01484 490095 Toggle navigation * * Home * Contact Us * Work for us * * How To Claim * Reviews * Customer Service Reviews * Claim Experience Reviews * Contract Hire GAP * About Contract Hire GAP insurance * Comparing Contract Hire GAP insurance * * Excluded Vehicles * Policy Terms & Conditions * * How to claim * Claim Statistics * * Compare GAP insurance * A-Rated Insurer * Money Back Guarantee * 5-Star Rated Policies * Total Loss Courtesy Car * Our New-for-old Promise * Cash Payouts * NO Market Value Clauses * UK Based Insurer * * Related info * Deferred Start Dates * Finance Settled * Free Amendments * Free Transfers * Modified Vehicles * Theft With Keys * Lloyd's Syndicate * Claim Limits * Vehicle Accessories & Options * Invoice GAP * About Invoice GAP insurance * Comparing Invoice GAP insurance * * Excluded Vehicles * Policy Terms & Conditions * * How to claim * Claim Statistics * * Compare GAP insurance * A-Rated Insurer * Money Back Guarantee * 5-Star Rated Policies * Total Loss Courtesy Car * Our New-for-old Promise * Cash Payouts * NO Market Value Clauses * UK Based Insurer * * Related info * Deferred Start Dates * Finance Settled * Free Amendments * Free Transfers * Modified Vehicles * Theft With Keys * Lloyd's Syndicate * Claim Limits * Vehicle Accessories & Options * Replacement GAP * About Replacement GAP insurance * Comparing Replacement GAP insurance * * Excluded Vehicles * Policy Terms & Conditions * * How to claim * Claim Statistics * * Compare GAP insurance * A-Rated Insurer * Money Back Guarantee * 5-Star Rated Policies * Total Loss Courtesy Car * Our New-for-old Promise * Cash Payouts * NO Market Value Clauses * UK Based Insurer * * Related info * Deferred Start Dates * Finance Settled * Free Amendments * Free Transfers * Modified Vehicles * Theft With Keys * Lloyd's Syndicate * Claim Limits * Vehicle Accessories & Options * Top-Up GAP * About Top-Up GAP insurance * Comparing Top-Up GAP insurance * * Excluded Vehicles * Policy Terms & Conditions * * How to claim * Claim Statistics * * Compare GAP insurance * A-Rated Insurer * Money Back Guarantee * 5-Star Rated Policies * Total Loss Courtesy Car * Our New-for-old Promise * Cash Payouts * UK Based Insurer * * Related info * Deferred Start Dates * Finance Settled * Free Amendments * Free Transfers * Modified Vehicles * Theft With Keys * Lloyd's Syndicate * Claim Limits * Vehicle Accessories & Options * Excess Protection * Your policies THE UK'S ORIGINAL ONLINE GAP INSURANCE PROVIDER Providing GAP insurance online since early 2004. Cover available for new and used cars. Get a quote today. A-Rated Insurer UK-Based Insurer NO Market Value Clause Cash Payouts 30-Day Cooling Off Period 5-Star Rated Policies New-for-old Promise Total Loss Courtesy car Get a GAP insurance quote 5* CUSTOMER SERVICE Winners of Feefo's coveted "Platinum Trusted Service" award you'll find our customer service beyond compare. OUR CUSTOMERS SAVED On average £243 At most £1,647 When buying GAP insurance from us instead of from a motor dealer, our customers have saved an average of £243 each. In some cases they've saved up to £1,647. LARGEST CLAIM PAID £49,475 Our largest GAP insurance claim paid to date is £49,475 AVERAGE CLAIM PAID £6,623 On average our GAP insurance claims have paid out £6,623 WHAT IS GAP INSURANCE? GAP insurance is an entirely optional form of insurance and some people will have a greater need for it than others. Without GAP insurance in force, if your car is written off, you'd only have your motor insurer's valuation of the vehicle coming your way. If you have finance outstanding on your written-off vehicle, your motor insurer's valuation of the vehicle may not be sufficient to clear the outstanding balance, in which case, you'd have to use your own funds to both clear the remaining finance on the written off vehicle and fund a replacement vehicle. Of course if you had no finance outstanding at the time of write-off, then in theory you could use your motor insurer's valuation of the vehicle to buy a vehicle of a similar age, condition and mileage as your vehicle at the time it was written off but, if you wanted anything newer or better etc, you'd have to use some of your own funds to cover the difference. There are different types of GAP cover but, Invoice GAP insurance for example, would aim to top-up your motor insurer's valuation of the vehicle at the time of claim to the original invoice price that you paid for your now written-off vehicle when you first bought it. If you have finance outstanding you would use this original invoice amount to clear some or all of that outstanding finance and any remaining funds would be yours to use against the cost of your next car. Of course, if you had no finance outstanding then you'd have this original invoice amount entirely at your disposal to buy another car with. Do you need it? Ultimately, if you have sufficient funds at your disposal to comfortably afford to stand the combined cost of clearing any finance outstanding (where applicable) and replacing your vehicle in the event it's written off, you probably don't need GAP insurance. However if you could not comfortably afford to replace your vehicle or, you'd prefer that your own savings were not 'hit' substantially by the cost of replacing your vehicle if it was written off, therein lies the need for GAP insurance. ADD A LITTLE TLCC TO YOUR GAP INSURANCE: TOTAL LOSS COURTESY CAR If your vehicle is damaged in an accident, your motor insurance policy will normally provide you with a courtesy/hire car whilst the damage to your vehicle is being assessed. If they determine that your vehicle is repairable, you would normally have the use of that courtesy car for the duration of the repairs. However... If they decide that the damage to your vehicle is beyond repair and subsequently declare it a Total Loss (they write it off), you would then not normally be entitled to their courtesy car any longer (unless you've paid them an additional premium for such entitlement) and, it would be withdrawn: leaving you without the use of a vehicle. Depending on how much longer they take to settle your claim, you might be without a vehicle for a number of days - or even weeks! Building in Total Loss Courtesy Car cover (TLCc) to your GAP insurance policy with us, means that in the event your car is declared a Total Loss, we will provide you with a courtesy car for you to use for up to 28-days. TLCC COVER FEATURES: The car provided: * Will be of a similar sized engine to Your vehicle that was deemed a Total Loss (limited to a maximum of a 2.0 litre manual car or equivalent) * Will be insured. Please note that an excess (normally £250) will apply to accidents/claims occuring during your use of the courtesy car. Exact terms will confirmed prior to you accepting delivery of it. * Will be able to be delivered to and collected from your home or place of work. For more information please review the Ts & Cs of our GAP insurance policies here, or generate a quote. IF YOUR CAR'S WRITTEN OFF, WE'LL KEEP YOU MOVING! WHAT ARE THE DIFFERENT TYPES OF GAP INSURANCE? There are a number of different types of GAP insurance. Taking the time to understand the difference between them and which type is better for your needs is important. REPLACEMENT GAP INSURANCE GAP insurance policies don't come much better than this. Replacement GAP insurance is the highest level of GAP insurance cover available today. It's a combination of the three main types of GAP insurance: Finance GAP, Invoice GAP and Replacement GAP insurance - which means it provides the best of all cover levels. In the event of your vehicle being declared a Total Loss (written off) through accident, fire, theft, or flood, Replacement GAP insurance aims to pay the difference between your motor insurer's valuation of the vehicle and THE HIGHER OF either: * The amount (if any) outstanding on finance at the time of claim EXCLUDING any Negative Equity brought forward from a previous vehicle (unless the optional "Negative Equity Cover" was purchased), OR * The ORIGINAL INVOICE PRICE that you paid for your vehicle first time around, OR * The cost of REPLACING YOUR VEHICLE with a brand new version of the same (or nearest equivalent) as your original vehicle - even if the replacement vehicle cost is MORE than you bought the vehicle for first time around. For most people who go on to make a claim, having their motor insurer's valuation of the vehicle topped up to the cost of replacing their vehicle with a brand new equivalent at the time of claim by way of a Replacement GAP insurance claim pay-out, would leave them in the position of being able to both clear any outstanding finance and have money left over - more money than they would have had left over than with any other type of GAP insurance - to put towards the cost of their next car. In order to determine whether this type of cover is suitable for your needs, either call us on 01484 490095 or contact us here. REPLACEMENT GAP CLAIM EXAMPLE Read more about Replacement GAP Insurance INVOICE GAP INSURANCE Invoice GAP insurance is the most commonly purchased type of GAP insurance in the UK today (primarily because it's usually the highest level of cover offered by Motor Dealers). It's a combination of both Finance GAP and Invoice GAP insurance, thereby providing the best of both cover types. In the event of your vehicle being declared a Total Loss (written off) through accident, fire, theft or flood, Invoice GAP insurance aims to pay the difference between your motor insurer's valuation of the vehicle and THE GREATER OF either: * The amount (if any) outstanding on finance at the time of claim EXCLUDING any Negative Equity brought forward from a previous vehicle (unless the optional "Negative Equity Cover" was purchased), OR * The ORIGINAL INVOICE PRICE that you paid for your vehicle when you first bought it. For most people who go on to make a claim, having their motor insurer's valuation of the vehicle topped up to the original invoice price of the vehicle by way of an Invoice GAP insurance pay-out, would leave them in the position of being able to both clear any outstanding finance and have money left over to put towards the cost of their next car. In order to determine whether this type of cover is suitable for your needs, either call us on 01484 490095 or contact us here. INVOICE GAP CLAIM EXAMPLE Read more about Invoice GAP Insurance CONTRACT HIRE GAP INSURANCE If your vehicle is the subject of a Contract Hire / Lease agreement and is declared a Total Loss (written off) through accident, fire, theft or flood your Motor Insurer will pay out only what they think your vehicle is worth at the time of claim. In the meantime your finance company will have calculated their settlement figure which, would normally be a combination of some or all of the following: * The amount that the finance company think your vehicle was worth at the time of loss * The sum of anything up to 100% of the as yet unpaid rentals under your Contract Hire agreement at the time of loss. * Administration & or penalty fees for wrapping up the agreement early. Your motor insurance pay-out might well fall short of this figure. If it does your finance company might hold you liable for anything up to 100% of the shortfall and this where Contract Hire GAP insurance steps in... to pay the difference between your motor insurer's valuation of the vehicle and the amount required to settle the remaining balance of your Contract Hire agreement. In addition, for a small additional premium, you can also choose to cover up to £3,000 of the initial rental you paid as part of your Contract Hire agreement, meaning that you'd be reimbursed some or all of your initial rental for you to use against the cost of setting up a new Contract Hire agreement on a replacement vehicle. In order to determine whether this type of cover is suitable for your needs, either call us on 01484 490095 or contact us here. CONTRACT HIRE GAP CLAIM EXAMPLE Read more about Contract Hire GAP Insurance TOP-UP GAP INSURANCE Top-Up GAP insurance is a 1-year long annually renewable GAP insurance policy available for a vehicle up to 10-years old, worth up to £80,000. It could be a vehicle you bought cash outright, via finance or a vehicle you leased. It could be a vehicle you bought from a motor dealer or a private seller. It could be a vehicle for which your existing GAP insurance policy is about to expire or, a vehicle that you were expecting to dispose of at the end of your original finance agreement but, you're now keeping for a longer period and you need GAP insurance for that extended period. If your vehicle is written off, Top-Up GAP insurance aims to top-up your motor insurance pay-out by up to 25%, It will even cover up to £250 of any excess payable to your motor insurance company as part of the Total Loss (write off) claim too! Read more about Top-Up GAP Insurance × A-RATED INSURER POLICIES UNDERWRITTEN BY AN A-RATED INSURER Our GAP insurance policies are underwritten at Lloyd's by Arch Managing Agency Limited. Lloyd's being a UK entity rated A, AA- and A+ by three of the world's leading insurance rating agencies. With FIVE unrated, offshore underwriters of GAP insurance having gone bust in the last few years, it's now more important than ever to ensure you choose a policy backed by financial resources sufficient enough to ensure that the policy will be there when you need it most. AREN'T UNRATED INSURERS COVERED BY THE FSCS? Yes and companies that offer policies from unrated insurers will make a song and dance about this. However whilst the Financial Services Compensation Scheme (FSCS) will cover you for up to 90% of any claim amount if your car is written off and you need to make a claim before the affairs of the original insurer are wrapped up, what they usually fail to tell you is that if the unrated insurer behind your policy goes bust and no other insurer steps in to "buy" your policy from the liquidators (thereby permitting your cover to continue), steps will be taken to cancel your policy and in such circumstances the FSCS is then only good for refunding you up to 90% of what you originally paid for your policy. This of course then leaves you without GAP insurance cover and, probably too late to buy GAP insurance cover from any other provider. Whilst a UK-based A-Rated insurer can attract a little higher premium for the policy, the risks of buying a policy from an unrated, offshore insurer are, in our opinion, simply too great. If you'd like to discuss this in more detail with us, please contact us on 01484 490095 or email support@gapinsurance.co.uk for assistance. Close × UK BASED INSURER POLICIES UNDERWRITTEN BY A UK BASED INSURER Our GAP insurance policies are underwritten at Lloyd's by Arch Managing Agency Limited. Lloyd's being a UK entity rated A, AA- and A+ by three of the world's leading insurance rating agencies. FIVE, offshore underwriters of GAP insurance (two in Gibraltar and two in Denmark) have gone bust since 2016 alone! BUT OFFSHORE INSURERS ARE COVERED BY THE FSCS AREN'T THEY? Yes, though not as comprehensively as some companies would have you believe. If the offshore underwriter of your GAP insurance policy goes bust and you need to make a claim before their affairs are wrapped up, if needed the Financial Services Compensation Scheme (FSCS) will step in to pay up to 90% of your claim value. However if you're not making a claim at the time the insurer's affairs are being wrapped up, the remaining term of your policy will be subject to whether or not another insurer steps in to buy it. If your policy is not sold on to another insurer, the liquidators will seek to cancel the remaining term of your policy in which case, the FSCS would then only be good for refunding you up to 90% of what you originally paid for your policy. This of course would leave you without GAP insurance cover and, probably too late to buy GAP insurance cover from any other provider. Whilst a policy from an offshore, unrated insurer might well be slightly cheaper upfront, we believe that the risks are simply too high and as a result, we only ever deal with large, A-rated, UK-based insurers. If you'd like to discuss this in more detail with us, please contact us on 01484 490095 or email support@gapinsurance.co.uk for assistance. Close × NO MARKET VALUE CLAUSES NO MARKET VALUE CLAUSES IN OUR POLICIES Buy a Contract Hire, Invoice or Replacement GAP insurance policy incorporating one or more Market Value clause and you're highly likely to receive a reduced payout at the time of claim. The sole purpose of a Market Value clause is to ensure that the GAP insurance policy payout is reduced. The most common Market Value clause amongst inferior GAP insurance policies is in relation to the motor insurance pay-out at the time of claim. In simple terms, if the motor insurer's payout is less than what the GAP insurer's preferred valuation "guide" says that your car is worth, the GAP insurer will not cover what they will perceive to be an underpayment by your motor insurer. To add insult to injury though, if you bought a used car, a Market Value clause within an Invoice or Replacement GAP insurance policy may well be called upon to allow the GAP insurer to revalue your vehicle at the time you first bought it. If they find that their guide said your vehicle was worth less than the price you actually paid for the vehicle, the GAP insurer will not cover what they will perceive to have been an overpayment on your part. One Market Value clause is bad enough. To suffer the application of both could very well result in a substantially lower GAP insurance payout than what you would have received from a policy that had no Market Value clause at all - A policy like the Contract Hire, Invoice and Replacement GAP insurance policies that have available. We dropped Market Value clauses from our Contract Hire, Invoice and Replacement GAP insurance policies back in early 2013. Sadly there are other providers that haven't followed suit. The long and short of it is, a Contract Hire, Invoice or Replacement GAP insurance policy which incorporates a Market Value clause should be avoided - at all costs. TOP-UP GAP INSURANCE: Top-Up GAP insurance policies DO incorporate a form of Market Value clause - to the best of our knowledge a Top-Up GAP insurance policy with no Market Value clause does not yet exist in the market. A Market Value clause exists with such a policy in order to prevent somebody 'profiting' from their vehicle being written off. To clarify, in the event that your vehicle is written off (through accident, fire or theft etc) Top-Up GAP insurance will aim to top-up your motor insurance pay-out by a further 25% (limited to a maximum payout of £10,000). If however your motor insurance pay-out is more than the "Market Value" of your vehicle at the time of claim (defined as the "Retail Transacted" value published by Glass's Guide), the Top-Up GAP insurance policy will aim to pay out 25% of the Market Value of your vehicle (rather than 25% of the higher amount paid out by the motor insurer). If you have any questions about any of the above. Please don't hesitate to contact us. If you'd like to discuss this in more detail with us, please contact us on 01484 490095 or email support@gapinsurance.co.uk for assistance. Close × CASH PAYOUTS OUR GAP INSURANCE POLICIES PAY OUT IN CASH If you make a claim on one of our GAP insurance policies, once any finance company with an interest in the vehicle (if applicable) has been paid the amount due to them, the remaining funds are paid directly to the policyholder. If you didn't finance the vehicle (or the finance had already been cleared by the time of the claim), the whole sum is paid directly to you. This payment is made with no strings. You can use it against the cost of buying any car from any dealership of your choice. Or not... it's your money - do with it as you please! This is different to some other GAP insurance providers who will either insist that they have to source your next vehicle or, will pay out in the form of a credit to either a motor dealer of their choice or the dealer you bought the original vehicle from. Some GAP insurance providers even have Replacement GAP insurance policies, which they'll charge you more for, which state that if you're not replacing the vehicle at the time of claim, they'll only pay out on an Invoice GAP insurance basis. Our view is that a policy that does not pay out in cash to the policyholder is considerably more restrictive in terms of the choices available to you at the time of claim - depending on the circumstances that led to your vehicle being written off you might not want the same vehicle again, you may not want a vehicle from the same dealership/manufacturer again... you may event not want a vehicle at all. A cash payout is the least restrictive payout and, leaves you with the freedom of choice. Don't settle for anything less! If you'd like to discuss this in more detail with us, please contact us on 01484 490095 or email support@gapinsurance.co.uk for assistance. Close × 5-STAR RATED POLICIES INDEPENDENTLY RATED 5-STAR POLICIES Our GAP insurance policies are consistently and independently rated 5-stars. Check us out on various customer review websites such as Feefo, TrustPilot and there's reviews on social media via Facebook too. If you'd like to discuss this in more detail with us, please contact us on 01484 490095 or email support@gapinsurance.co.uk for assistance. Close × 30-DAY MONEY BACK GUARANTEE / COOLING OFF PERIOD 30-DAY COOLING OFF PERIOD If you buy a policy from us and for any reason whatsoever you change your mind, you can cancel the policy within the first 30-days and so long as you've not made a claim we'll give you a 100% refund. If you cancel your policy more than 30-days after purchasing it and then either change your mind or, sell your vehicle, you can cancel the policy and so long as you've not made a claim we'll give you a pro-rata rebate of unused premium. You can then use that rebate towards the cost of a new policy on a new vehicle and no cancellation fee will apply. Alternatively you can ask for the rebate to be refunded but, a £30 fee will apply in the case of a refund (£15 for Top-Up GAP insurance). If you'd like to discuss this in more detail with us, please contact us on 01484 490095 or email support@gapinsurance.co.uk for assistance. Close × TOTAL LOSS COURTESY CAR COVER (TLCC) TOTAL LOSS COURTESY CAR If your vehicle is damaged in an accident, your motor insurance policy will normally provide you with a courtesy/hire car whilst the damage to your vehicle is being assessed. If they determine that your vehicle is repairable, you would normally have the use of that courtesy car for the duration of the repairs. However... If they decide that the damage to your vehicle is beyond repair and subsequently declare it a Total Loss (they write it off), you would then not normally be entitled to their courtesy car any longer (unless you've paid them an additional premium for such entitlement) and, it would be withdrawn: leaving you without the use of a vehicle. Depending on how much longer they take to settle your claim, you might be without a vehicle for a number of days - or even weeks! Building in Total Loss Courtesy Car cover (TLCc) to your GAP insurance policy with us, means that in the event your car is declared a Total Loss, we will provide you with a courtesy car for you to use for up to 28-days. TLCC COVER FEATURES: The car provided: * Will be of a similar sized engine to Your vehicle that was deemed a Total Loss (limited to a maximum of a 2.0 litre manual car or equivalent) * Will be insured. Please note that an excess (normally £250) will apply to accidents/claims occuring during your use of the courtesy car. Exact terms will confirmed prior to you accepting delivery of it. * Will be able to be delivered to and collected from your home or place of work. For more information please review the Ts & Cs of our GAP insurance policies here, or generate a quote. If you'd like to discuss this in more detail with us, please contact us on 01484 490095 or email support@gapinsurance.co.uk for assistance. Close × NEW FOR OLD PROMISE NEW-FOR-OLD COVER WITH YOUR MOTOR INSURANCE? Despite wide-spread assurances to the contrary, which are negligently propogated by apparent consumer "experts": relying on new-for-old cover from your motor insurer and NOT having GAP insurance covering your brand new vehicle during your first year of ownership is a risky business and, something we caution against: * If you've financed your vehicle (particularly by way of a PCP agreement), there's a good chance you've entirely voided the new-for-old benefit under your motor insurance policy. * If you've leased your vehicle (e.g. personal contract hire), your vehicle wouldn't usually qualify for new-for-old cover from your motor insurer courtesy of the fact that your name doesn't appear on the V5 Registration document. * Your motor insurer may refuse to replace the vehicle new-for-old within the first year (in some cases for the most tedious of reasons) and revert to a Market Value settlement instead. * You can only buy GAP insurance from us within 3-months of taking delivery of the vehicle. Chances are you won't be eligible for Invoice or Replacement GAP insurance if you try to buy cover after a year of owning the vehicle. Ultimately, going without GAP insurance in the first year could well involve you forfeiting having GAP insurance cover in later years and, given the potential benefit of GAP insurance usually increases with the passing of time, those later years could be when you need GAP insurance most! Why take the risk? Which is why we have our: "New-for-old Promise": If your motor insurer replaces your vehicle on a new-for-old basis during the term of your GAP insurance policy, we'll re-issue a whole new GAP insurance policy for your new vehicle, matching the full original duration of cover that you purchased, at no additional cost to you. E.g. if you buy 3-year cover and your motor insurer replaces the vehicle new-for-old when it's 11-months old, we'll re-issue a whole new 3-year GAP insurance policy for your new vehicle. Note: This "New-for-old Promise" applies to all GAP insurance policies purchased on or since April 25th 2023. For more information please review the Ts & Cs of our GAP insurance policies here, or generate a quote. If you'd like to discuss this in more detail with us, please contact us on 01484 490095 or email support@gapinsurance.co.uk for assistance. Close HOW TO CONTACT US * 01484 490095 * support@gapinsurance.co.uk * facebook.com/gapinsurance * twitter.com/gap_insurance USEFUL LINKS * Blog * How To Claim * About GAPinsurance.co.uk * Contact Us * Site Usage * Cookie Policy * Privacy Policy * Refund & Cancellation Policy * Customer Complaints Procedure * Site Map OUR PRODUCTS * Contract Hire GAP insurance * Invoice GAP insurance * Replacement GAP insurance * Top-Up GAP insurance * Total Loss Courtesy Car (GAP add on) * Excess Protection insurance GAP INSURANCE STATISTICS BY MAKE OF VEHICLE Alfa Romeo | Audi | BMW | Chevrolet | Citroen | FIAT | Ford | Honda | Hyundai | Jaguar | KIA | Land Rover | Lexus | Maserati | Mazda | Mercedes-Benz | Mini | Nissan | Peugeot | Porsche | Renault | SAAB | SEAT | Skoda | Smart-Car | Suzuki | Tesla | Toyota | Vauxhall | Volkswagen | Volvo GAPinsurance.co.uk is a trading style of Pickles & Burns Ltd, an Appointed Representative of Frank Pickles (Insurance Brokers) Ltd which is Authorised and Regulated by the Financial Conduct Authority (FCA No. 305297). You can check this on the FCA Register The Registered Office and contact address for Pickles & Burns Ltd trading as GAPinsurance.co.uk is: 132 Huddersfield Road, Holmfirth, West Yorkshire, HD9 3AS. The Registered Office for Frank Pickles (Insurance Brokers) Ltd is: 23 Hornbeam Square South, Harrogate, North Yorkshire, United Kingdom, HG2 8NB. © GAPinsurance.co.uk 2024 cookie bar close This website makes use of cookies to enhance the browsing experience and provide additional functionality. None of this data can or will be used to identify or contact you. This website makes use of third party cookies, see the details in the privacy policy. This website makes use of tracking cookies, see the details in the privacy policy. If you prefer, you can select which types of cookies you feel acceptable: Technical cookies (mandatory) Third party cookies Tracking cookies Save my preferences To learn more about how this website uses cookies or localStorage, please read our PRIVACY POLICY. 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