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| ...but, if not, in 3 months time (or whatever the period is for the particular insurance cover) you know you can ask for a third party legal opinion. | |
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So the amateur thinks he can beat the professional.... the only way this works is if you can ensure that the other party will not introduce any evidence relating to the period before the insurance came into force. Because once they do you have two problems - they will not be paying and you are at their mercy when it comes to deciding to filling a criminal complaint against you!