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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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Buildings insurance that doesn't cover buildings!
Hello. I'd like your thoughts, please, on whether we just have a rubbish buildings insurance policy or if this is standard stuff. I own a flat in an Edwardian house that was converted into four flats many years ago. Each time something goes wrong with the building (leaking windows, guttering falling down) we're told that…
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Buildings insurance renewal quote up by £4300 p/a...help!
I'll try to give you the quick/edited version here! In-Laws (age 85 and 89) claimed with Saga insurance 4 and a half years ago for subsidence leading to cracking in the extension to their house. Saga have traced this to a nearby oak tree on council land causing dry soil leading to subsidence and Saga are currently…
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Churchill Insurance have lost the plot
On the 4th of May 2026 I had a letter from Churchill (Car Insurance) saying that they could no longer insure me, together with a letter showing proof on no claims, so I got insurance from with the RAC instead. And then a couple of days ago I received a letter dated 30th of May saying "Your car insurance will automatically…
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Taking life insurance for my daughter
We, as a parent, both have life insurance which we took out bit late and obviously with high premiums. Just to avoid that scenario, can we take one for my daughter who just turned adult? Using the sites on MSE, found them much cheaper or just say affordable. Can I use my account to pay for direct debit until she makes her…
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Income protection
Hi - I wonder if you have any advice please. I have always worked for large organisations with many additional benefits - however since moving to a smaller company I no longer receive a atrong redundancy offering or any sick pay other than the standard you can claim. I have started to look online and I am confused (they…
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NO FAULT CAR INSURANCE CLAIM. HELP NEEDED PLEASE
No fault car accident claim in March. Driver admitted liability straight away. My claim was passed to Total Loss at IM Solutions Ltd. I am still waiting………………. All they keep saying is that they have no control over how long this could take? They have just told me if I am not happy they will refer the claim back to my…
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Think it's worth complaining (Hastings Direct) to get car policy reinstated?
I'd like the policy reinstated so if it's highly unlikely that will happen then there's no point in complaining. I fully get that that's probably going to be the case. I'm wondering if there's maybe people reading this that work in insurance or have found themselves in this position & can say what their experience was -…
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Insurance needed - living in a house awaiting probate
My daughter and family are living in my late mother's home with a view to buying it once probate is finalised. Advice needed for best insurance in that instance please! Previous insurer didn't cover property in probate
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Policy Expert - beware!
This story also applies to Insurance in general and responsibilities that you'd never think of ;-) Long story short, reported a claim that ultimately we knew that we wouldn't claim for - small amount and likely wear and tear, which it was. Policy Expert notified us the next day that our policy would be voided as we hadn't…
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Successful story- Medical Travel Insurance whilst pending investigations for undiagnosed conditions.
Was looking everywhere this morning to try and find where I could find medical travel insurance whilst being on a waiting list for referral to a specialist after my usual medical insurance company wouldn't insure. So many threads came up with no definitive answers so after my success this afternoon I thought I would share…
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TT99 insurance declaration
Hello. Received a 6 month ban for sp offences, TT99, November 2025. My question is, as my licence now shows only the TT99, is that and the ban all I need to declare to insurers. I ask this because I don’t know the details of the convictions leading to the TT99. Thanks
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Claiming on car insurance after a ambulance hit parked car (not in an emergency)
Can anyone give some advice please? An ambulance hit our parked car while it was on our private drive and caused damage. It was not in an emergency as no lights, sirens as well as taking 10 minutes to try to park whilst hitting our car over and over again on our driveway. They were driving/parking erratically/inexperienced…
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I panicked and made a subsidence claim, HELP!
Hello, Two days ago I noticed some new cracks in the plaster of my house. I have been worried about a tree in front of my property causing damage with its roots. A quick check of AI suggested contacting my insurer. So I went to the insurers website and raised a claim. The next day they phoned me to discuss the claim. I…
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NEED ADVICE/TIPS - House Insurance Claim [Subsidence]
Hi all, For over a year, approaching 2 years now, been going through a claim via our House Insurance 'Crawford & Co' for subsidence. The house is sinking, cracks are forming everwhere inside and outside and contact has been minimal from them. There first offer was worth 10k and we would have to source the work/builders…
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Certificates of Structural adequacy
Hi When your insurance company employs a loss adjuster/assessor to act for them on a subsidence claim, and the adjuster/assessor issues the certificate of structural adequacy on behalf of your Insurer, what qualifications does the person who issues the certificate have to have please? Are there any FCA or FOC guidelines…
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Solar PV Battery Insurance
Hi, I have a new solar install and the PV battery placement needs to be a on a party wall. I understand my Home insurance will need to be updated to cover my house install, however, outside of the party wall agreement, is there any Insurance issues for the neighbour whose wall the battery will be fixed to? Thanks.
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Water pipes
Hello, please, can I have some advice/Education? Today, we received a phone call from Seven Trent saying there was a leak detected across a few houses including ours from a shared pipe, and we need to speak to our home insurance about leak detection. We have done this and are waiting for them to come round. However, our…
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Admiral Problems
Is anyone else having issues with their Admiral online account? Tried to log on, but it said my details were incorrect. Asked for a password reset and it said an email had been sent but nothing arrived. Email address matches what they have on my policy. Tried online chat but the Digibot said it would transfer me to an…
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Auto renewal for Auto Aid
I was convinced I had changed the auto renew on my Auto Aid breakdown cover, but it renewed today (no renewal notification). Contacted them and asked for them to review but adament only could give a partial refund due to admin fee. Not sure if the 14 days cooling off period applies here. Appreciate £15 admin fee isnt the…
