£480? How old are you? If thats what Admiral are offering you after declaring the points I would take that straight away. I had a partial fault claim in 2008 which is still biting me in the arse now, I'm 23, have 3 years no claims, live in a low risk postcode area and still can't get my insurance below a grand.

If the claim wasn't there, it would be £600.

It wasn't even my fault - the insurance company decided it was 50/50 because there were no witnesses as to what had actually happened.
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