Why are you going no coffee?
touch wood
R35 pm is really not that big a difference. (35 x 43 = 1505 = difference in excess between 2 options)
If you plan on claiming every 43 months or more, it might be worth paying the higher premium for the lower excess, otherwise, if you’re going to claim less than once every 43 months, go for the lower premium.
I have a very high excess. All minor damages less than the excess, I fix myself.
P.S. I’m not a financial advisor, I don’t even work in finance.
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hahaha thanks
i see your point but even though i never claim i think the lower excess is nicer from the point of view of paying that amount in one go. ( i have my current excess currently in my savings pocket so that i would not have to go out of pocket in the event of losing my car but having that extra buffer of funds is always nice to have)
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I think it the problem. It is never planned =D
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Makes sense. Paying a lot of money in one go is never easy 
Runs off to invest in insurance companies
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Hey everyone.
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Morning everyone. Hope you have a great day!
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Morning peoples!
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Morning everyone!
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Morning everyone. Yesterday was a loooooong day. Today will be normal I hope.
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I agree. Yesterday was crazy long. Also i was a bit lazy yesterday so will have to work very hard today.
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Morning all
This morning just started pear shaped so I have a feeling this day is gonna go meh
The worst part is I have no work to do
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Still no power 
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I honestly wish I had no work today.
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Most people think its great, it really isnt, I struggle to stay positive and focused because I have nothing to do
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That sucks.
Because I am showing support - you are welcome to come and steal our power
This is support 
hahaha!
BRT in about 3 days! <3