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Handsfree Phone Kit

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Having a battle with my insurance due to a total loss payout.. I had a Parrot hands free audio phone kit fitted to my previous car.

On my policy it states up to £500 audio cover, which, when I took out the policy I stated I had a hands free kit fitted.

Q, Is this considered audio equipment in light of a payout?.. they are saying, can you guess.. No..bot covered.

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