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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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Home Insurance Large Loss - Betterment Calc Method
I would appreciate some guidance/info re my home insurance claim and how I should plan for the betterment calculation. Bare with me, it's hell of a saga....... The 1963 semi-detached bungalow (and a subsidence insurance claim, instigated 2020 whilst my last parent was still alive ((my darling dad)) that I inherited from my…
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Financial ombudsman - next step to the Ombudsman
I had reluctantly accepted my insurance company settlement amount, as it was not matching the full amount of the quote for the rework. Over 18 months ago, the FO had accepted the case but not much movement. and now they are in a hurry to close the case, the new investigator had made their decisions without seeing either…
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How to prove I wasn't commuting.
2 years ago I had an at-fault RTA. The insurance company paid out appx £8000. Last month I received a letter from the insurance company to tell me they were seeking full reimbursement of the money they paid out, because I was driving outside of the terms of my insurance. I issued them with an SAR, which was partially…
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Home Insurance- How do you choose ?
Hi It's that time of year again where my home insurance is due & so I'm looking at comparisons. Yes, I can see that I could probably get cheaper home insurance cover but it would probably be from a company I've never heard from. In reality I'm not looking for the cheapest quote I can find rather I'm looking for a policy…
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Any house insurance whizzes around? FLAT ROOFS!!
Hi guys. Thinking of making an offer on a property which has a newly-built extension with what appears to be a solid and sturdy flat roof. I gather these are possibly better constructed these days than was once the case... but, even so... Is there any way of purchasing some kind of indemnity or ongoing insurance against…
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Massively out of pocket after no fault claim
A couple of months ago, our beloved 2015 ford focus diesel estate had a head gasket failure. Our options were to spend 8k+ on a newer car (we have around 10k nest-egg but I'm worried about job security so prefer to keep that), or to get it fixed. Garage recommended a replacement engine, so we spent 2500 and put in as low a…
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Legal Line Cover
Does anyone know how the above works? Specifically - is it associated with the person or the address? I had a question about my rental property but they said the line only covered me at my property. That doesn't make sense because I don't work at home but if I had a workplace issue, I would be covered. I do have this line…
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CONTENTS INSURANCE FOR A SECOND HOME
I have bought a very small flat which would be classed as a second home and am currently trying to arrange contents insurance for it. The first broker I've gone to is looking at a policy which doesn't pay out at all for the first 180 days. I can understand the reasoning behind this but I've never heard of such a long…
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Travel insurance dilemma
I have a travel policy in place for an upcoming trip. Two weeks ago I fell, resulting in a few stitches and a rib fracture. I’ve been discharged by the hospital as my recovery is going well, with no follow up appointments booked. Do I need to inform the insurance company of this accident or as I’ve been discharged is this…
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Caravan Insurance for a van stored in France
Hi, we normally insure with Towergate for our caravan that is stored in France on the site we stay at However, the underwriter has changed to Aviva and they say we have to tow it back to the UK for 8 weeks. Loads of UK based people do this in France - any help please.
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Dental imsurance
I am looking to save money on a dental procedure and was wondering what my best option is. My dentist has diagnosed an infected root and says I can either get a free NHS extraction or pay privately, about £700-800, she quoted, for a complicated root canal that the NHS, in theory, should treat but will not [she says]. I…
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Life insurance and inheritance
Hi, My partner and I jointly hold a mortgage and have a separate joint life insurance policy with each other as the policy benefactor. We have 2 children each from previous marriages. If one of us dies, the life insurance amount is to cover paying off the remainder of the mortgage, and to allow the other to "buy out" the…
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No blame accident: £800 premium increase.
In June I was driving down the road next to my children's school when I heard a clunk, a scrape, and saw the windscreen mirror thud onto the winscreen before skidding down the road. It came out of nowhere. I looked behind me and a child had opened the passenger door of their parent's parked car onto my mine. I'd already…
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Admiral Direct vs Auxillis? Which route to take
Hi all, My car was rear-ended a few days ago (bumper/boot damaged). I asked my insurer if they’ll check for hidden mechanical issues (suspension, sensors, etc.) — they said yes, but ABL1Touch (the repairer they use) told me they only do bodywork. Options I’ve been given: * Admiral (via ABL1Touch): Lifetime repair…
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Guide discussion: Bicycle insurance
Bicycle insurance guide. Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.
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Breakdown cover when you have business insurance on your car
I have been told by the RAC that because I have business insurance on my car (I work for the nhs and sometimes visit people’s homes with colleagues) that I cannot have standard personal or vehicle cover, it has to be “business” cover. They said that If I had the personal cover and traveled in someone else’s car who had…
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Can MIB Tell Me Everything?
Hi All, I want to double check my insurance history, can a MIB request tell me everything? I want to check my claims history, motoring convictions and if any policies were ever cancelled. I think everything is fine but I want to double check.
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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…
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Car insurance cancellation pro-rota fee
Hello, I'm having a problem with my previous car insurance company quotemehappy (aviva), regarding cancellation fee. My policy renewed in January, then in March changed the car all fine no problems. Last month I made the Decision to buy a VW transporter shuttle, this would now be my main vehicle so I wanted my no claims…
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Travel insurance question - Can I Still Claim Travel Insurance for a Trip We Can’t T
Hi everyone, I’m hoping someone can offer some advice. I booked a UK break back in February for travel in May 2025. At the time, I didn’t take out the insurance offered by the provider. Just before the trip, my son was unexpectedly admitted to intensive care and we couldn’t travel. I contacted the provider and they were…
