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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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Ski Accident in France - Legal Cover - Via Travel Insurance or Home Insurance?
Hi, My daughter broke her leg in a Ski Accident in France. I believe the company that manages the piste is responsible so I would like to start going down the legal route. I was just about to log it with my Travel Insurance as a claim however I have just noticed that my Travel Insurance legal assistance limit is £20,000…
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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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Best insurance on property in probate
Our mum died last year and my daughter is planning to buy the house when hers sells; she and her family are currently living in it while final works are done on hers. Probate on mum's estate is not yet complete but we'd like insurance on the house until it is, to protect all - advice please!
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Car Accident Claim on CUE Database Twice
Hi Apologies for the long read but I'm hoping someone knows if they are correct? I had a claim on my car insurance last year, my named driver was driving at the time and was at fault. Car Insurance renewal came and even declaring the accident I got a much cheaper quote so decided to move to the new insurance company. The…
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Car Insurance Renewal
Hi, When looking for renewal quotes does Windscreen Replacement count as a claim?
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Having 2 insurance policies for the same car
My wife uses her car very little at present but our niece's car is on its last legs. We would like to allow our niece to have the use of the car, but don't want to put our NCD at risk by adding her as a named driver. Is it permissible to have 2 policies for the same vehicle? It would be a case of our niece taking out new…
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Adding non Uk residents as named drivers to my car insurance
Have anyone had problems with this ? My daughter and her partner live in Denmark and are residents there but still uk citizens. I have added them to my car insurance policy as named drivers in the past (was advise by admiral at the time cheaper to add as named driver than a temporary driver as they come to the UK…
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Home Insurance Cancelled After Claim
Last autumn we had a water leak caused by a corroded mains water pipe. The pipe wasn't visible. and we only realised there was a problem when water started seeping through the floorboards (the hole was tiny; the plumber said it had probably been leaking slowly and undetected for months, but it did a lot of damage). (The…
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Home insurance with a couple of high value items
Could standard insurance using comparison sites meet this scenario? The figures are slightly different to the real ones. House value £350,000. Rebuild cost £220,000 Contents value (excluding clocks) £15,000 Two clocks worth £7,500 each, i.e. £15,000 No jewellery. Could the clocks just be itemised, or would specialist…
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Travel Insurance - Awaiting Tests
I am wondering if anyone could give me some guidance? I have had an annual worldwide travel policy (Staysure) that has been in place over the past five years, renewing around the 15th May. Whenever there has been a diagnosis, I have duly done the responsible thing and informed, and updated the policy to reflect. I feel…
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Paying for canceling car insurance? GoSkippy
No something I came across before, but can you end up paying for canceling the car insurance if the cancelation fee is hgher than pro rata refund amount? It kind of doesn't make sense as they already are keeping the full amount whilst no longer having any risk of the claim to them whatsoever. I am with GoSkippy. No…
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Car Insurance Renewal - ALWAYS Challenge!!
So the RAC sent me a renewal quote for my car insurance (£298), claiming in the email that it was competitive, and similar to what a new customer would get - it was a £70 increase on last years, and I have no claims/issues. Logged on to the RAC insurance portal, said I did not want to renew, because of cost, and was…
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Shared land insurance
Hello all, we're looking at home and contents insurance which would be in our names only. However, the front driveway, paving outside two homes, and small alley to the side is jointly owned by us and next door. We own the land our house is on, and all is freehold. Do we need to get a separate type of insurance for the…
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Looking for a specific type of liability insurance
Dear All, not sure this exists in the UK. In Germany, there's an insurance product called 'Privat-Haftpflichtversicherung'. The closest translation might be something like 'private liability insurance'. This insurance basically covers all kinds of damages you may do to others, including outside your home. Just as an…
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Aviva Online
I have a quote for building and contents. Upon reading documents provided with the quote, I came across the following : It appears that you can't access YOUR schedule at all until you actually buy it. This seems akin to buying with one hand tied behind your back. Does anyone know of any other way to access prior to paying?…
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Home Insurance - rebuild costs over a million - finding it hard to get decent quotes
Our home's current market value is £450k, the home report from three years ago estimates the rebuild cost at £1.3 million. The calculator on the ABI (Association of British Insurers) website seems to confirm that figure is about right. The issue I’m facing is that it’s incredibly difficult to get home insurance at a…
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House Insurance during building work
In final stages of negotiations with builder to commence work on a single storey extension at home. Today, I spoke to our home insurers - very helpful - but not having undertaken any building work before, I guess I was bit surprised at the extent/scope of the restrictions/exclusions which will be placed on cover for the…
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Admiral Claim on NCB document showing as 'fault'
Hello, Just thought I'd ask the group if any of you had experience of this issue? A couple of years ago somebody T-boned my car at a junction. I sent the dashcam footage to Admiral (my insurer), who, after a few months, stated that they had reclaimed the money from the third party (including my excess). I kept Admiral as…
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Dental insurance
my nhs dentist took a tooth out last year and said it wasn’t suitable for a bridge to fill the gap but he could refer me for dental implants which I can’t afford I’ve since visited a private dentist for a different emergency and asked his opinion, he said that a bridge was perfectly feasible. Would I be covered under…
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Terrible Experience with LoveitCoverit (Pier Insurance) Worldwide Cover!
Advice would be helpful! Looking for advice on a nightmare situation with LoveIt CoverIt (underwritten by Pier Insurance Managed Services Ltd, FCA FRN 311798). I'll try to keep this concise but there's a lot to cover. The short version: I took out gadget insurance with LoveIt CoverIt for my work laptop I work remotely..…
