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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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Incorrect data held on insurance database
HiIn August 2023 my husband had an accident on the A20 in France. A deer crossed the carriageway at 6.00am and he swerved to miss it, causing him to lose control of his van and write it off in the verge at the edge of the hard shoulder. There was no other vehicle involved. My husband arranged and paid for transport off the…
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Water Leak - Insurance claim when Freeholder has died
I noticed the water pressure on my boiler kept dropping in April, my usual plumber couldn't find a reason and suggested it was a water leak within the walls or under the floor.I live in a one bed-roomed ground floor flat that is leasehold so I contacted the Freeholder and asked if I could claim on the insurance, he sent me…
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Anyone with experience of the Virgin Money Club M account travel insurance with existing conditions?
I've recently needed to have a stent fitted for stable Angina and the cheapest worldwide travel insurance I've found so far has been to pay the additional on our Nationwide FlexPlus account (via Aviva). I'd been considering moving the account to the Virgin Club M account as it's cheaper than Nationwide and provides similar…
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HOUSE & CONTENTS - QUOTE ME HAPPY
I'm in the process of renewing my H&C insurance. Quote Me Happy appear to offer favourable rates but its not a company name I am familiar with. I have seen suggestion that it might be part of Aviva. Just wondered if anyone can offer any info/thoughts/experiences on how reliable they are? I have searched the forum but…
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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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AmEx MyEssentials - Documents
Does anyone here happen to have a link to, or the documents for the AmEx MyEssentials policy? Cannot seem to locate it absolutely anywhere, likely because they stopped selling it a long time ago! (Also aware it is shortly being discontinued for good!)
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Car Insurance for a hybrid car
I have a nearly 4 year old BMW 330e hybrid car. Insurance seems higher for this type of car.. Are there any insurance companies that are worth trying for quotes? Have tried all the comparison sites already.
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Home insurance and bike theft
My home insurance is due for renewal next month. In February this year I bought an e-bike, and because it cost a lot more than the maximum bike cover in my home policy (£1400 compared to £500) I took out a stand alone policy with Cycleplan.The bike was stolen from my garage in June, and today Cycleplan have finally…
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Pet Insurance - Out of hours
Hi Everyone, Last Friday evening at 4.30pm, I had to rush my pet dog, Winnie to the vets. Upset and unsettled to hear she needed urgent medical attention and would need an overnight stay with a potential ultrasound. Luckily, I had lifetime cover for Winnie up to the value of £10k with no previous claims. The estimate came…
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Home Insurance price increase
I have just renewed my home insurance (buildings + contents).Last year the premium was £242. Now they want £327 for the same cover. An increase of around 35%! Naturally I looked on price comparison sites.On average, it seems that prices have increased by around 25%How can insurance companies justify this when inflation is…
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Travel insurance refusal
I’ve had insurance through my bank for years. I’ve had a heart attack 2 weeks ago so called to tell them. Were ment to travel in 3 weeks. They won’t cover. hol company said they will refund if they have a letter from insurance saying they won’t cover. it was hard going but managed to get a letter but it stared pre existing…
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Paying twice to RAC
I discovered for the last three years I have being paying twice for breakdown cover. Once through my RAC car insurance where it is included with my policy, and I have also had a separate breakdown insurance not realising it was included with my car insurance. So for last three years Ive paid out £120 for nothing. Surely…
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Very protect insurance expiry date today. Am i insured today?
My sons iPad screen got smashed this Evening and so I go onto my very protect and repair policy and it says the policy expires today 4/08/2025. When I click the link to make a claim, it says it expired and I can’t go any further. The policy says it’s insured 05/08/23-04/08/23. Should I still be insured today? This all…
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Saga home insurance leaping from £300 to £719.84 & due in 3 days - no emails about renewal
Hi, I oversee finances/bills for my 85 year old mum with dementia. She's had buildings only insurance for her property (a small house) which has been just over £300 for the last few years. I've asked them not to send her any post as that will only make her anxiety worse. I see this morning from receiving an email that they…
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Increased premium despite blame free accident.
Last September a man changed lanes on a local roundabout and hit my car on the drivers door handle. Initially he held his hands up but his wife was unhappy that despite me being in the correct lane, that her husband had owned up. After a few months backwards and forwards, I instructed my insurance company to take the third…
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Living in Airbnb between house moves - any insurance tips?
Hi! We've sold our house and will be moving into a new build. The timings do not work out, so to make sure we do not lose the sale we will be living in an Airbnb for approx 6 weeks... Most of our goods will be in storage. At the Airbnb we will take clothes, the cats, laptops and jewellery... which we want to insure (very…
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Medical travel insurance claim refused
Hi, really appreciate any advise here. My wife and I were recently due to go to Portugal for a few days when my wife did something to her back and was advised by our GP not to travel. We had taken out travel insurance and declared a number of pre-existing medical conditions. Back pain was not on my wife's record. Our claim…
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International Private Health Insurance (China)
My daughter and her boyfriend are soon moving to teaching jobs in China but international health insurance seems to be extremely expensive ( this might be the case but since it’s all new to them they are unsure) . They got a quote from AXA for over £100 each per month - please does anyone have any tips/ recommendations for…
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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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Mortgage Protection Insurance for an over-50 year old
Hello everyone - I need some advice. its been a long time coming but ive re-entered the property world and have just got myself a new pad after years of renting. thing is I am now over 50 and there is that cloud over me - as mortgage protection insurance. Do I need it? I tried a broker recently who shal remain nameless but…
