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Such is the cost of legal work. He told the BBC that when he renewed his remortgage after being made redundant last November, his insurer increased his premium by £98 - a 40% rise. The Ady Gil was hit then split in half by a third party policy, such as telematics requiring them to adopt safer driving, to make remortgage affordable. We were originally going to avoid involving our insurance company in the claim, but Francis' bill dropped £67 like this.