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Die-hard cyclists might look at electric bikes as the lazy person's alternative, but that's a rather narrow view. There are many situations when an electric bike comes into its own.

Hiring a car is a great way to get around on holiday but if the car gets damaged, your clients could be faced with a high excess of £1000 or more.

An early termination of a lease agreement following a total loss can result in lenders applying punitive terms to your customer, leaving them with a financial short fall.