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Registered Users are permitted to access most area's of the site, but have no access to the Members Only areas.
They are also are only able to have 5 private messages in their PM box at any time.
Note, most insurance companies will offer a discount to current members of an Owners Club if proof of membership and membership number) is provided. Registered User does not provide this documentation.
A Paid Membership provides the documentation and allows you to store up to 200 private messages.