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Insurance & Life Assurance sticky
Here are some Forum threads you might find useful: * Home Insurance Discussion * Cheap Car Insurance Discussion * Car Insurance Tips & Tricks * Level Term Assurance Discussion Area * Car Breakdown Discussion Area * Gap Insurance Guide Discussion * Compare Breakdown Cover Discussion * The Great Hunt: Have you used a loss…
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Travel Insurance - undiagnosed condition
My annual travel insurance has ran out and I've been looking around but I'm finding it hard to get cover. I have several health conditions including Crohn's which is an autoimmune disorder. I always list everything. I've also been having other symptoms. The GP said it's probably Sjogrens which is another autoimmune…
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Zurich Retail Protection Stalling on Critical Illness / TPD Claim – Anyone Else Experienced This?
Hi everyone, I am looking for some insight or shared experiences from anyone who has battled Zurich Retail Protection over a Critical Illness / Severe Functional Impairment claim (filed on the 30th April 20206). My situation involves a severe, chronic cardiac condition resulting from a historical heart attack. The medical…
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Son going to US on athletic scholarship - study abroad insurance
My son will be going to the USA next month on a full athletics scholarship which means he will be getting full health and dental (after a small amount paid by us) In terms of "long term stay" and "study abroad" packages - is the only other insurance he requires the cover for medical repatriation and gadgets? Can anyone…
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breakdown and national recovery with missing locking wheel nut key
Hello. I am an aa customer with breakdown and national recovery cover. Could anyone help clarify whether aa is right to decline my policy? Today I had a flat tyre and called aa. A rescuer came and can't put replacement wheel as we can't find locking wheel nut key. He told me aa is going to arrange for recovery. About 1h…
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Halifax Home Insurance
Recently had a renewal notice from Halifax re Home Insurance. I wanted to discuss the renewal ,as I did the usual and got a large number of considerably cheaper quotes. I'm afraid Halifax have gone down the route of making it almost impossible to talk to a human. You can go through a process of Cancelling your policy and…
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Foreign-registered lorry hit my parked car—insurer treating it as a fault claim. What should I do?
My legally parked car was struck by a foreign-registered lorry. My wife confronted the driver at the scene, but he dismissed the damage as minor, refused to provide his name or insurance details, and then drove away. I have provided Hastings Direct with the lorry’s registration number and video footage showing the driver…
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Confused as to next Step??
No fault car accident October 2024….Hit from behind. I had a number of complications which were confirmed in a Medical Inspection shortly after the accident. Months later I got an email from my Insurance saying the guilty partys insurance were offering me £4000 for the damages. I rejected the offer explaining that I didnt…
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What is classed as accidental damage under home insurance?
I have contents insurance from LV which only includes limited accidental damage cover (for tv’s, laptops etc). I can add full accidental damage cover but I’m not sure if it’s worth it. It increases the premium significantly. I had always thought that accidental damage was things like spilling red wine on the carpet or…
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Travel insurance paid out very low for cancelled flight/lost luggage
Hello We were a party of 4 via Easyjet and our flight was cancelled at the gate. I arranged alternative flights the next day but again we were delayed and out lugged lost. Didn't get luggage back until a week after the trip - I had to buy new clothes for everyone. Coverwise insurance that we were with only want to pay 400…
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Haggle with RAC, AA & more
Hi folks, We've just written a new guide - Haggle with RAC, AA & more - please take a look and we would love to hear your feedback and successes. Thanks, MSE Rebecca
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Car insurance 'no fault'
Just before Christmas my car was in a designated parking space and a drunk driver crashed into it. In fact she crashed into several cars and shunted them all together. The police came and hauled her off My insurance paid for a hire car and for my car to be repaired. So far so good The problem is the defendants insurance…
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Personal injury Claim
I have an ongoing personal injury claim being dealt with a solicitors and they have just notified me that they are pulling out of that market and advise me that they can introduce me to another insurance firm. What should I be aware of? Copy of letter read's as follow's Dear [Removed by Forum Team] I am writing to share an…
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Home Insurance - 2 flats under one freehold
Hi all, Hoping someone can give some guidance or advise. I own the ground floor flat of a converted house. There is another flat up stairs under its own leasehold owed by someone else. I also own freehold for whole property. I find it very hard to get buildings insurance (my responsibilty as freeholder). When I approach a…
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Car insurance - accident - over 3 months to repair car ie waiting for parts - my rights
I was flabbergasted to hear from a sibling today re their car repair, but should not have been, as I've heard about people waiting to get cars repaired/fixed and months to get a part/s in. It was a clear-cut, third-party-fault accident 5/6 weeks ago. They were waiting at the roundabout for a gap, as was the little car…
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Advice please- non fault RTA- 3rd party insurance refusing to pay full repair cost
Hi I’m a newbie and this is my first post so apologies if I get anything wrong please be gentle! Also sorry it’s a long one… My 19 yr old son was involved in a non fault RTA on March 20th. All on dashcam and not disputed by other driver. All done through other drivers insurance (Hastings) and initially seemed fine - they…
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Buildings insurance for house split into flats (share of freehold)
Hi, We have a Victorian house split into several flats each with a share of freehold. The buildings insurance covers the whole building and the policy is in the name of the freehold company. Can anyone with a similar set up advise on who they’ve managed to get the cheapest prices for buildings insurance from? And are there…
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Critical illness claim
Hi all newbie here, I am looking for some advise if possible please, I have been diagnosed with severe and profound hearing loss. I have been put on the cochlear implant waiting list and was wondering if I should claim on my critical illness policy. The wording is a little vague and was hoping maybe someone has previous…
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Car Breakdown Discussion
This discussion is specifically for you to feedback on Car Breakdown cover Please first read the Cheap Breakdown Cover Click 'post reply' to have your say and let us know if it's about home or car cover To discuss other issues please use one of the following: Car Insurance * Car Insurance General Feedback * Report Super…
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Contents insurance - Nationwide / Aviva
I've recently taken out a new contents insurance policy with Nationwide / Aviva. I noticed in the policy that any claim requires evidence (receipts, photos etc.) I owned the item being claimed. I won't have receipts for the majority of items I've bought over the years. I can take photos of some items. How picky will the…
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Mains water supply pipe beyond property boundary insurance
Hi, I've read several old threads and can't find one specific to my needs. I live in rural Wales and the majority of my mains water supply pipe runs below a neighbour's field so it's not covered by standard home insurance. Since 1993 I've been insuring it with Homeserve. Initially the premium was very cheap because it…
