Best Car/Auto Insurance Companies of United Kingdom (UK)

In the UK, choosing the finest auto insurance can be an important step in assuring your mental and financial security when driving. The best auto insurance company differs from person to person depending on specific requirements, driving history, and financial limits. It’s important to evaluate policies from several providers, taking into account elements like coverage options, customer service, cost, and any additional benefits or discounts offered, in order to get the best auto insurance for your unique needs. In the competitive insurance market of the UK, this thorough analysis will assist you in locating the auto insurance that best meets your needs.

However, there are a number of reputable auto insurance companies in the UK, including Aviva, Direct Line, LV=, and Admiral. These businesses give a variety of coverage options, from comprehensive to third-party, fire, and theft insurance, and frequently provide affordable rates, excellent customer service, and a number of discounts.

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1. Car/Auto Insurance

A contract between you and the insurance provider known as auto insurance safeguards you from financial loss in the event of an accident or theft. The insurance provider promises to cover your losses in accordance with your policy’s terms in return for a premium payment from you.

Auto insurance offers protection for:

• Property – such as your car being stolen or damaged
• Liability is your legal obligation to others in the event of their physical harm or property damage.
• Medical costs include those associated with injury treatment, rehabilitation, occasionally lost wages, and burial costs.

1.1 Need for Car/Auto Insurance

If you drive your car or someone else’s automobile (with their consent), your auto insurance will cover you and any other family members listed on your policy. If you provide permission to someone who isn’t covered by your insurance to drive your automobile, your policy also covers that person.

No matter if you’re traveling or commuting to work, running errands, or commuting, your personal auto policy only covers personal driving. If you use your automobile for business, such as if you deliver pizzas, it won’t offer coverage.

If you use your vehicle to carry others through a ride-sharing service like Uber or Lyft, your personal auto insurance will not offer coverage. However, several motor insurers now provide extra insurance packages that expand coverage for additional fees.

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2. Best Car/Auto Insurance – United Kingdom (UK)

Do you want to know which auto insurance providers dominate the UK market? We have the solutions. While over a hundred companies sell automobile insurance in the UK, the top ten auto insurers account for roughly three-quarters of the market. If you’re thinking about buying from one of the top 10 firms, check out our list to discover who made the cut and learn about what makes each one unique.

 

2.1  The Top Car/Life Insurance Companies in United Kingdom According to Our Research

Here are top 10 auto insurances in United Kingdom

1. Aviva
2. Admiral Group
3. Hastings
4. NFU Mutual
5. Direct Line Group
6. LV=
7. Royal & Sun Alliance (RSA)
8. Ageas
9. Esure Sheila’s Wheels
10. AXA

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3. Aviva – United Kingdom (UK)

3.1  Why it’s Highly Recommended – Aviva United kingdom (UK)

Aviva received the Customer Care Award at the 2023 British Insurance Awards, and the Money Pages commended them in the Best Motor Insurance category this year. Aviva has one of the highest Trustpilot customer scores among the top 10 companies

. Aviva has increased their personal lines automobile insurance to include new coverage for electric vehicles, such as roadside breakdown, electrical surges, and accessories. Aviva is a full-service financial services provider, not just a car insurance company.

3.2  Pros & Cons – Aviva United kingdom (UK)

Pros	Cons
No administrative costs for mid-term modifications	A higher rate of formal customer complaints
There is no cancellation fee during the 14-day refund period.	Lower coverage on car keys
If you make a claim for being hit while parked, pothole damage, etc.	Minimum coverage follow-ups

3.3  Company Overview – Aviva United kingdom (UK)

Aviva is a British multinational insurance company headquartered in London, England. It has about 18 million customers across its core markets of the United Kingdom, Ireland and Canada. In the United Kingdom, Aviva is the largest general insurer and a leading life and pension’s provider. Aviva is also the second largest general insurer in Canada.

Aviva also has a focus on the growth markets of China and South East Asia through investments and joint ventures with other firms. Aviva has a primary listing on the London Stock Exchange, and is a constituent of the FTSE 100 Index.

Type	Mutual
Industry	Insurance and finance
Founded	1696 as Hand in Hand Fire & Life Insurance Society. 2000 as Aviva plc (by merger).
Headquarters	London, England, UK

3.4  Products & Services – Aviva United kingdom  (UK)

Company provide the following insurances,

1. Car
2. Motorcycle
3. RV & Camper
4. Boat
5. Snowmobile      

3.5  Contact Details – Aviva United kingdom (UK)

You can contact the company through,

Phone Number	0800 051 1750
Address	NCD Validation Team PO Box 3445 Norwich NR1 3GS
Email	[email protected]
Official Website	https://www.aviva.com/

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4. Admiral Group – United Kingdom (UK)

4.1 Why Its Highly Recommended – Admiral Group United Kingdom (UK)

Admiral continued to release new car-related products, including Admiral Essential, a less expensive, lower-tier (i.e., feature-limited) policy offered through the comparison channel, and carriage of goods for hire and reward, which offers the proper class of coverage for customers who work as delivery drivers or couriers. Admiral also introduced the Admiral virtual assistant (AVA) for auto insurance, which enables consumers to self-serve by responding to inquiries or making changes.

4.2  Pros & Cons – Admiral Group United Kingdom (UK)

Pros	Cons
Specialized programs	Only quotes from agents
Dependable high financial ratings	Small service area
Multiple reductions	No chat online

4.3  Company Overview – Admiral Group United Kingdom (UK)

The Admiral Group, which writes policies under the brands Admiral, Bell, Diamond, elephant.co.uk, and Gladiator, is the largest auto insurance provider in the UK, accounting for about 11% of the automobile insurance market. Admiral is technically a commercial name for EUI Ltd.

In order to maintain margins in 2022, Admiral kept the volume of its vehicle business unchanged. This decision led to a 5% increase in profit above pre-pandemic 2019 levels, but the company is still the most well-known provider of auto insurance in the UK. In 2022, Admiral will have insured about 5 million vehicles.

Type	Insurance
Industry	Finance and Insurance
Founded	1993
Founder	Henry Engelhardt
Headquarters	Cardiff, United Kingdom

4.4  Products & Services – Admiral Group United Kingdom (UK)

Services offered by the company are,

1. Auto
2. Motorcycle
3. Vans
4. Multi car insurance
5. Car sharing insurance
6. Long Vehicles

4.5  Contact Details – Admiral Group United Kingdom (UK)

You can contact company through,

Phone Number	0333 220 2000
Address	David Street, Cardiff CF10 2EH, United Kingdom
Email	[email protected]
Official Website	https://www.admiralgroup.co.uk/

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5. Hastings – United Kingdom (UK)

5.1  Why Its Highly Recommended – Hastings United Kingdom (UK)

Hastings The lowest of their plans, essential auto insurance, offers much fewer features. For instance, windscreen coverage is not included and cannot be added, although legal and breakdown coverage can be bought for an additional fee (approximately £20 and £35). Consider their Direct and Premier policies, which are not nearly as inexpensive but have smaller excesses and better coverage, if you have a slightly larger budget and want additional features. We also appreciate that Hastings Direct prides itself on offering clear-cut insurance. Their policy materials reflect this, as they are simpler to understand than some of the competition.

5.2  Pros & Cons – Hastings United Kingdom (UK)

Pros	Cons
Available agents over a large network	Extra fees apply for things like vanishing deductible advantages, roadside assistance, and accident forgiveness.
Cost-effective average premiums	Customer satisfaction scores that are disappointing
Useful mobile app and website

5.3 Company Overview – Hastings United Kingdom (UK)

We believe that Hastings Direct can be a reliable option for affordable car, home, bike, or van insurance. We appreciate the clear policies, reasonable rates, and excellent customer feedback. Their Essential plan is the least expensive, but Direct and Premier insurance offer better coverage, depending on your budget. With over 3 million active vehicle insurance policies and an overall gross written premium growth of 15% year over year, Hastings Direct is a highly well-known auto insurance provider.

Trade name	Hastings Insurance Services Ltd
Type	UK personal lines insurance broker
Industry	Insurance and financial services
Founded	1997
Headquarters	Bexhill, United Kingdom

5.4  Products & Services – Hastings United Kingdom (UK)

Vehicle products offered by Hastings are,

Auto	Two Wheelers & Others
Young drivers insurance	Classic car
ATV	RV
Boat	Personal watercraft
Scooter	Golf cart
Business auto	Trucking & specialty auto
Auto & home

5.5 Contact Details – Hastings United Kingdom (UK)

You can contact the company through,

Phone Number	0333 999 8904
Address	Hastings Direct Conquest House Collington Avenue Bexhill-On-Sea East Sussex TN39 3LW UK
Email	[email protected]
Official Website	https://www.hastingsdirect.com/

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6. NFU Mutual – United Kingdom (UK)

6.1 Why Its Highly Recommended – NFU Mutual United Kingdom (UK)

NFU Mutual, which serves drivers in rural areas of the nation, is quite different from the other companies on the list of the biggest UK car insurance providers in that it doesn’t offer online quotes and is instead owned by policyholders rather than shareholders. It also has more than 300 offices nationwide, a network of more than 650 agents, and a UK-based call center to handle quotes, inquiries, and claims.

Low Financial Ombudsman Service complaint rates attest to NFU Mutual’s reputation for excellent customer service. The Trustpilot rating for NFU Mutual has just risen, and their impressive 4.7 star rating is not surprising. Several manufacturers offer discounts to NFU members when purchasing new vehicles (e.g. Audi, Fiat, Ford, and more).

6.2 Pros & Cons – NFU Mutual United Kingdom (UK)

Pros	Cons
Best client service	Only households
There are various financial options.	Membership compulsory
Improved armed funds in multiple procedures	Many objections

6.3 Company Overview – NFU Mutual United Kingdom (UK)

Unlike the other companies on the list of the biggest UK car insurance providers, NFU Mutual doesn’t offer online quotes and is instead owned by policyholders rather than shareholders. It also has more than 300 offices nationwide, a network of more than 650 agents, and a UK-based call center to handle quotes, inquiries, and claims.

Low Financial Ombudsman Service complaint rates attest to NFU Mutual’s reputation for excellent customer service. The Trustpilot rating for NFU Mutual has just risen, and their impressive 4.7 star rating is not surprising. Several manufacturers offer discounts to NFU members when purchasing new vehicles (e.g. Audi, Fiat, Ford, and more).

Type	Insurance Company
Industry	Financial services
Founded	1910
Headquarters	Tiddington, Stratford-upon-Avon, England

6.4 Products & Services – NFU Mutual United Kingdom (UK)

Services offered by the company are,

1. Auto Insurance
2. No Claims 2. Discount protected if an uninsured driver strikes you, with no excess to pay As You Go Parking Motorcycle Insurance
3. If you buy a UK model brand-new and it is less than two years old when it is stolen or written off, you are covered for a brand-new replacement vehicle.
4. Vehicle Legal Insurance provides you with access to legal counsel and up to £100,000 in defense costs.
5. Replacement of the windscreen without reducing the no claims bonus.
6. Assurance on repairs made by authorized repairers.
7. Child car seat theft or damage.
8. Collector Car Insurance

6.5 Contact Details – NFU Mutual United Kingdom (UK)

You can contact company through,

Phone Number	01992 877570
Address	37/39 Turners Hill, Cheshunt, Waltham Cross, EN8 8NP, London
Email	[email protected]
Official Website	https://www.nfumutual.co.uk/

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7. Direct Line Group – United Kingdom (UK)

7.1  Why Its Highly Recommended – Direct Line Group United Kingdom (UK)

With its Churchill, Darwin, and Privilege motor insurance brands, the Direct Line Group is a strong player in the PCW market in addition to selling Direct Line auto insurance directly to customers. In reality, only about a third of their premiums are sold through the PCW channel, despite the fact that almost two thirds of their sales were made directly to clients under the Direct Line name. With the launch of the Darwin brand in 2019 and Churchill Essentials last year—a brand that routinely ranks as the most affordable offering among the major motor insurance providers—the business strengthened its visibility on price comparison websites.

7.2 Pros & Cons – Direct Line Group United Kingdom(UK)

Pros	Cons
No claims bonus protected for a range of no-fault claims (comprehensive cover only)	Not a 24-hour claims line (out of hours emergency line available)
Mid-term modifications are free.	It could be tough to locate a local agent.
Exclusive discounts for current clients	You must contact the company directly if you want a quote because price comparison websites do not offer it.

7.3 Company Overview – Direct Line Group United Kingdom (UK)

Since its inception in 1985, Direct Line has offered auto insurance. Since then, it has expanded to include house, landlord, van, travel, and pet insurance. One of the top auto insurers in the UK is this honoree. Nevertheless, this does mean you’ll need to put in a little extra work and go direct if you want to receive a quote. Direct Line has made a selling point out of the fact that it’s not among the riff raff on price comparison sites.

If you do, you’ll discover that the brand offers third-party, fire and theft coverage, as well as a choice of two comprehensive policies (Comprehensive and Comprehensive Plus). You must go elsewhere if you want third-party insurance.

Type	Financial Services
Industry	Insurance
Founded	1985
Founders	Peter Wood Martin Long
Headquarters	Bromley, England, UK

7.4 Products & Services – Direct Line Group United Kingdom (UK)

Services offered by the company are,

1. Damage to your car.
2. Medical expenses
3. Taking a vehicle abroad
4. Protection from discount claims
5. Third-party liabilities
6. Theft and fire

7.5 Contact Details – Direct Line Group United Kingdom (UK)

You can contact the company through,

Phone Number	0345 246 8471
Address	Bromley, England, UK
Email	[email protected]
Official Website	https://www.directlinegroup.co.uk

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8. LV= – United Kingdom (UK)

8.1  Why Its Highly Recommended – LV= United Kingdom (UK)

Another well-known auto insurer is Liverpool Victoria, which goes by the name LV=. LV= insurance is accessible directly, via comparison websites, or through brokers. High rates of renewal from current customers and new sales following the introduction of their multi-car service have contributed to the LV= brand’s recent development. Their outstanding customer review rating on Trustpilot can be attributed to the fact that client happiness is a company goal.

 

8.2 Pros & Cons – LV= United Kingdom (UK)

Pros	Cons
Lengthy history	Poor scores for customer service
Mobile claim filing	Small-scale ridesharing service
Multiple reductions	Not all over the place

8.3   Company Overview – LV= United Kingdom (UK)

When LV, or Liverpool Victoria, was first established in 1843, it only offered the “penny policy,” a straightforward form of life insurance. The insurer had substantial growth during the following two centuries, adding house, travel, pet, and auto insurance to its line of services.

In addition, the service provides equity release, pensions, and annuities.

Liverpool Victoria Insurance Company, which is governed by the Financial Conduct Authority, underwrites LV’s auto insurance coverage (FCA).

Type	Private
Traded as	Financial services
Industry	Insurance Financial services
Products	Insurance, savings, equity release
Founded	1843
Headquarters	Westbourne area of Bournemouth, United Kingdom

8.4 Products & Services – LV= United Kingdom (UK)

Travelers Company offers following products & services,               

1. Accident damage insurance
2. Misfuelling cover
3. Vandalism assurance
4. Loan/Lease Gap Insurance

8.5 Contact Details – LV= United Kingdom (UK)

You can contact the company through,

Phone Number	0800 202 8464
Address	Westbourne area of Bournemouth, United Kingdom
Email	[email protected]
Official Website	https://www.lv.com

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9. Royal & Sun Alliance (RSA) – United Kingdom (UK)

9.1 Why Its Highly Recommended – Royal & Sun Alliance (RSA) United Kingdom (UK)

Another business that insures policies for numerous other brands in addition to its own is RSA. For instance, RSA provides insurance coverage for companies like ingenie and Clydesdale Bank.

9.2 Pros & Cons – Royal & Sun Alliance (RSA) United Kingdom (UK)

Many forms of support	Narrow scope of services
Many added facilities	There are no online claims
Easy to use website

9.3 Company Overview – Royal & Sun Alliance (RSA) United Kingdom (UK)

They are carrying on the legacy of founder Charles Povey. He founded The Sun Fire Office, their forerunner insurance company, in 1710. His mission was to safeguard people’s livelihoods by improving conditions when the worst scenario occurred. And it’s still accurate today. For more than 300 years, they have served as the foundation of the insurance sector. They currently provide services to more than 9 million customers worldwide. Determined to provide their customers with even greater support now they are part of Intact Financial Corporation as of 2021.

Type	Private limited company
Industry	Insurance
Founded	1996; 27 years ago (London)
Key People	Ken Norgrove (CEO, RSA UK & International) Mark Hodges (Chairman)
Headquarters	London, England, UK

9.4 Products & Services – Royal & Sun Alliance (RSA) United Kingdom (UK)

Royal & Sun Alliance provide the following services,

1. Auto Insurance
2. Motorcycle Insurance
3. Boat Insurance
4. Collector and Classic Car Insurance
5. Insurance for ATVs, Snowmobiles, Golf Carts and More  

9.5 Contact Details – Royal & Sun Alliance (RSA) United Kingdom (UK)

You can contact the company through,

Phone Number	0300 037 3737
Address	New Hall Place Liverpool
Email	[email protected]
Official Website	https://www.motability.rsagroup.co.uk/

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10. Ageas – United Kingdom (UK)

10.1 Why Its Highly Recommended – Ageas United Kingdom (UK)

Another well-known auto insurer that you’ll notice listed on comparison websites is Ageas. As they are concentrating on integrating AI into the claims process, they report that requests for motor policy approval have decreased from 2-3 hours to 2-3 minutes and are now available 24/7, which has a favorable effect on client satisfaction levels. Ageas covers 3.9 million personal motor clients in the UK, which may be why it has one of the highest Trustpilot ratings in the group.

10.2 Pros & Cons – Ageas United Kingdom (UK)

Pros	Cons
Many amenities, such as courtesy cars and further transportation fees, are included as usual.	There is no accessible third party only or third party, fire and theft coverage.
lifetime warranty for authorized repairs	Policies can come with a large price tag.
There is a 24-hour claim line and a hotline for motor vehicle law.

10.3 Company Overview – Ageas United Kingdom (UK)

AGEAS, one of the largest insurers in the UK with more than 5 million clients, with roots dating back to 1824. It also belongs to a global organization. A 24/7 internal claims team is available if you want a human contact. In the meantime, any repairs made by one of its authorized garages come with a lifetime warranty.

Type	Public company
Traded as	Euronext Brussels: AGS BEL 20 component
Industry	Insurance
Founded	1990 (as Fortis); 2010 (as Ageas)
Headquarters	Brussels, Belgium

10.4  Products & Services – Ageas United Kingdom (UK)

Coverages offered in auto insurance are

ATV/UTV	Mexico Auto
Auto	Motorcycle
Boat	PWC
Classic Car	RV/Trailer
Golf Cart	Segway
Mechanical Breakdown	Snowmobile

10.5 Contact Details – Ageas United Kingdom (UK)

You can contact the company through,

Phone Number	0345 165 0581
Address	Deansleigh House Deansleigh Road Bournemouth Dorset
Email	[email protected]
Official Website	www.ageas.co.uk

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11. Esure Shelia’s Wheels  – United Kingdom (UK)

11.1 Why Its Highly Recommended – Esure Shelia’s Wheels Farm United Kingdom (UK)

Leading personal auto and home insurer. The esure Group offers coverage under the Sheilas’ Wheels and esure brands. Esure has a network of motor repairers that handle more than 90% of their unintentional damage claims in addition to employing over 700 specialists at its UK-based claim centers to oversee claims.

11.2 Pros & Cons – Esure Shelia’s Wheels Farm United Kingdom (UK)

Pros	Cons
Open seven days a week, customer service	greater cancellation penalties
favorable customer reviews	Key loss or damage is not included.

11.3 Company Overview – Esure Shelia’s Wheels Farm United Kingdom (UK)

One of the oldest insurance firms in the United States, State Farm was established in 1922. Some coverage include access to 24/7 roadside assistance.

Different vehicle kinds, such as sports automobiles, classic and antique cars, and commercial vehicles, are covered.

Type	Private
Industry	Insurance
Founded	June 7, 1922; 101 years ago
Founder	George J. Mecherle
Successor	Desjardins Insurance (Canada)
Headquarters	Bloomington, Illinois, U.S

11.4 Products & Services – Shelia’s Wheels Farm United Kingdom

State Farm offers following auto insurances,

1. Car Insurance
2. Motorcycle
3. Boat
4. Off-road Vehicles
5. Motorhome
6. Travel Trailers
7. Roadside Assistance

11.5 Contact Details – Shelia’s Wheels Farm United Kingdom (UK)

You can contact company through,

Phone Number	800 732-5246
Address	State Farm Insurance Companies Insurance Support Center – East P.O. Box 588002 North Metro, GA 30029
Email	[email protected]
Official Website	www.statefarm.com/customer-care/

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12. AXA – United Kingdom (UK)

12.1 Why Its Highly Recommended –AXA United Kingdom (UK)

According to our calculations, AXA is now the seventh-largest provider of auto insurance in the UK, down from the previous year. AXA is a sizable global corporation that offers insurance plans under its own name and also underwrites policies for a number of other brands, including mypolicy.co.uk and By Miles (pay-per-mile cover). Hence, if you purchased auto insurance from a company that doesn’t write its own policies, you might discover that AXA is ultimately responsible for providing your coverage.

12.2  Pros & Cons –AXA United Kingdom (UK)

Pros .	Cons
AXA is a reputable and well-known insurer.	In comparison to other rival insurance companies, AXA’s plans could cost more.
Third-party, fire and theft, and comprehensive insurance are just a few of the coverage choices provided by AXA.	Compared to other insurers, the business might provide fewer discounts.
Consumers can purchase optional add-ons to their plans to customize them, such as breakdown coverage and legal defense.	AXA’s policy options and add-ons can be bewildering to certain consumers.

12.3 Company Overview –AXA United Kingdom (UK)

 Axa S.A. is a French global insurance firm with headquarters in Paris’s 8th arrondissement (styled as AXA or GIG in the Middle East). It also offers other financial services, like investment management.

The Axa Group principally conducts business in Western Europe, North America, the Indo-Pacific area, the Middle East, and Africa. Axa is a collection of separately owned companies that operate under numerous national legal frameworks. It is a part of the stock market index known as the Euro Stoxx 50.

12.4 Products & Services –AXA United Kingdom (UK)

  Following set of vehicle insurance they provide.

1. Car Insurance
2. Motorcycle
3. EV Cars
4. Travel Trailers
5. Roadside Assistance

12.4

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12.4 Contact Details – AXA United Kingdom (UK)

You can contact company through,

Phone Number	+44 20 7920 5900
Address	20 Gracechurch St, London EC3V 0BG, UK
Email	[email protected].
Official Website	https://www.axa.co.uk/contact-us/

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13.  FAQs – Car/Auto Insurance United Kingdom (UK)

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14. Conclusion – Car/Auto Insurance United Kingdom (UK)

In conclusion, there are many alternatives available in the fiercely competitive UK vehicle insurance industry, ranging from established insurers to internet providers and specialized businesses. With the introduction of technologies like as usage-based insurance and telematics, the sector has fully embraced technology. Customers should evaluate estimates, comprehend policy terms, and take into account customer feedback in order to make well-informed judgments.

The dynamic environment emphasizes how important it is for policyholders and insurers to be flexible. The success of auto insurance firms is still largely dependent on aspects like prompt customer care, effective claims processing, and transparent communication. Future technological developments are probably going to further change the sector and highlight the necessity for constant awareness and adaptability.

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