Public liability insurance

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Last year (or was it the year before ?) James was collecting fivers from people on the day. I think he'd paid the whole premium up front, so everyone whose name and address he'd submitted was covered. By the time he got to me it was quite late in the day and I did try the old "Insurance ? No, it's OK thanks, I didn't need it." line. He did smile. Then he stopped smiling. Then I paid up. Not sure if it's the same this year though.


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