I sincerely advise every newcomer from HK. Please please please do spend a little bit more time choosing an insurance company for your car. Do read the document thoroughly. Another thing I like to add. Contrary to what 鬆仔 has said about car alteration, the insurance companies in the UK will find every legit reason NOT to pay out the insurance. So, don't "gamble" with your "luck". When the law is involved, don't interprete the law in your favour with your own reasoning.
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