Risk Disclaimer 2025-11-05T22:01:57Z

My knuckles went bone-white gripping the steering wheel when Mia's text flashed: "Can I borrow your Mini for my test tomorrow?" Twenty minutes earlier, I'd been peacefully sipping earl grey while my 18-year-old niece practiced parallel parking outside. Now? Full-blown insurance dread tsunami. Adding her to my annual policy felt like volunteering for dental surgery - expensive, slow, and guaranteed to hurt. That £500 admin fee might as well have been tattooed on my forehead.

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