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One website is encouraging Brits to take out insurance as it is one element "of taxation and numeration which we would do best to comply with".

The Crawley Observer claims that both car and home insurance are two expenses which "can really end up paying dividends", especially as having vehicle cover can also protect against accidents caused by other people.

Likewise, dangerous weather and breakdowns could also be far less costly if covered by a good insurance policy.

"The best you can hope for is a substantial no claims discount if you change insurers or a no claims bonus on your existing policy if you have been with the same provider for several years," the website says.

Research by car insurance company the AA recently discovered that the average cost of third party, fire and theft cover for October 2008 was around £879.

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