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How Can I Get Cheap UF Insurance? The price of UF insurance for the most serious cases can be quite high. For example, if you are looking to insure a vehicle that is considered a 'work vehicle' by your employer, you may find that the insurance premiums are quite high. This is because vehicles with this classification are often subjected to higher risk and are more prone to breakdowns and accidents than other cars. If you do not have sufficient cover, you will find that you are unable to claim on your polic