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It's not that clear cut: If a large, heavy car and a small, light car both receive the same ANCAP safety rating, is the large car safer for the occupants than the small one? ANCAP safety ratings are used to compare vehicles within the same vehicle category (i.e. small car vs. small car, SUV...

On a $2000 car? That premium could buy your car every four years, never mind the excess you would pay too if it was burnt out or stolen :eek: Save yourself some dosh and reduce coverage to third party property only. Should be < $200.