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  1. I am a foster carer and when I began fostering over 3 years ago I took out a new home buildings and contents insurance policy with Nationwide. I specifically told the guy who sold it to me over the phone that I was a foster carer and needed suitable insurance to cover me for potential damage by foster children. He said this policy would be fine. I have been paying it for nearly 4 years and not made any claims but yesterday one of the young people that I foster caused considerable damage to my house during an outburst of temper, including a broken window and internal doors. I called the insuran
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