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Are you actually a trader?

A friend of mine used to have a trader policy because he had several cars and it was the cheapest way to cover himself for them.

This was fine for a few years until one day they decided that they wanted proof of him being a trader, such as receipts and stuff. Of course he couldn't provide it so he had to switch to a private policy. However, because his NCB had been built up on a trader policy he couldn't get any NCD when he switched over.

He, er, wasn't pleased by this.
 
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