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I've only heard British and Irish expats using it! I have convinced a couple of my Canadian friends to use tw@t as an insult though.

These premiums all sound cheap to me. The premiums in Canada are wild. I bought my first car here about 18 months ago and my first year's insurance was CA$310 (about £190) per MONTH on a low mileage without using it to commute. When I renewed it I managed to find a provider who takes my UK...