Terry Wellard.

Recently, a retired colleague and friend presented me with an April
1985 Ibex Motor Policies underwriting guide. This plastic-covered,
two-sided version was pretty revolutionary in its time, though more often
than not it was used to clear windscreens on a frosty morning. My
attention was drawn to the published rates, which were almost 50% dearer
than today.

While I accept that, over the years, electrical goods and the like have
reduced in price, surely with the attendant increase in servicing costs

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