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im not sure. but on that TD site they ask how many KM you drive to and from work...i wonder how much that affects the quote...because driving to and from work is the highest chance for accidents in rush hour?....i put 0KM because i have a company truck to drive to and from work...so maybe thats why mine was lower than i expected....other factors are probably what you put in for the value of the vehicle and yearly KM
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