Banned for 4 years?!? That's a bit strong!!

I know what you're saying mate and there was a time when i would do that straight away, but like i said i got a decent quote anyway so it's ok, i'm happy to pay it this year and next year they'll all come off and it'll go down. Plus my girlfriend would literally kill me to death if anything happened! Plus i don't think i could bear the following few years of 'i told you so' speeches!