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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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Car Insurance Question
We have/had a 10yr old Audi A3. My wife had a
prang in it at a busy roundabout. Although the damage wasn’t extensive, the
insurers said that repair would be non-economic and so offered a write-off
value which was accepted. The fault was almost certainly the other driver’s, by
cutting across lanes, but given the busy-ness…
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Indemnity for lost share cert worth over 100k.
Hi, we have had probate granted on my uncles estate and part of that are shares held worth in excess of 140k. We cannot find the share certificate and my solicitor is being asked to obtain an indemnity with a countersignature. Due to the large value of shares we are finding this difficult, has anyone had this issue and if…
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home insurance settlement offer question
Hello Having never claimed on insurance before I am a little confused, so apologies. I am with more than insurance and it is to replace a water damaged floor. I have been offered a settlement offer. That is lower than one quote and more than another quote. I am unable to pay for the deficit on the first quote. But what…
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Lifetime pet insurance is being cancelled at renewal
We have had a letter to say our pet insurance is being cancelled despite taking out lifetime cover. The letter states that the underwriter is no longer providing the cover which is why the policy is being cancelled. Where do we stand with this as now we will be stuck getting a new policy that will cover pre-existing…
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Building Insurance scam
My freeholder has taken out building insurance as per terms of lease. I must contribute to the policy. However he has given misinformation in the policy which is still being disputed but I have paid approx £450 for 7 months of the annual premium. He claims in the policy the building is in good repair and watertight. It…
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Car insurance 17 year old
My son passed his driving test two weeks ago, and we’re looking to buy him a car, as we did when his brother passed three years ago in identical circumstances. Both passed on second attempt, five months after they turned 17. The quotes we are getting for insurance is roughly triple the £1200 we paid for his sibling, three…
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Extra car headrest: Do I have to declare this safety mod?
My Vauxhall Astra J DY15UUP was purchased used in 2018. I realised after
purchase that with the standard cloth upholstery there is a seatbelt
but no headrest provided for the rear centre (5th) passenger, which
seems pretty dangerous but was legal at the time. I was very concerned
about this and research revealed that the…
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Travel insurance via Travel Supermarket
Last July, we bought a couples annual travel insurance policy by getting quotes from Travel Supermarket. We chose a policy with Admiral, went through to the Admiral website and purchased the policy. Yesterday, I called Admiral to let them know that my husband has a (small) newly diagnosed medical condition - our document…
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Renewal success
I am so pleased to say that following your haggling guide, I was able to get £160 off my renewal quote from theAA.
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Any idea how to check if a builder's public liability insurance is real?
It's extremely important to know for my situation, thanks.
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Lease Car Insurance
Just about to take on a leased car for the first time. Struggling to find a company that will insure me because car is in the name of the lease company/registered holder rather than me (no other issues). Does anyone have experience with this and/or know any companies I could try ?
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Car insurance
Yesterday during high winds we went to our local garden centre. I parked next to another car and when my husband opened the passenger door a gust of wind caught the door and it struck the drivers door of the car next to us. We checked both doors to ensure there wasn't any damage to either vehicle and there didn't appear to…
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Liability question
Hello all, I'm seeking advice about a situation I find myself in & I'm not certain this is exactly the right place to look. Recently an individual from my neighbourhood has been walking their dog on a private lane where my house is situated. The lane in question is a no through route with no public byways or rights of way…
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Income protection after job loss
Hi, I wonder what would happen after a claim for income protection and a job loss.Let's assume that I claim to the insurance, but after X years, the company gets tired of it and fires me, or they find some little rule in my contract (highly possible in my situation) and they fire me based on that.Same way if the company…
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Double income protection
Hi, let's say that I have 2 income protection, one covers specific things, the other is more general, but regardless, can I have more than one income protection and then decide where to apply in case of a claim? Or do I need to claim both by the law and then eventually they split the payment??
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Surveyor not covered?
I have an exterior crack in my house. The loss adjuster has stated heat expansion. I want an independent opinion. Our policy covers the cost of surveyors if they are involved in the rectification of the work. I am told they won't pay for a chartered surveyor because that is part of the claim preparation, and not to do with…
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Why is the type of school (state or private) relevant when adding a learner driver to a policy?
Got a quote today (from the insurance arm of a major UK supermarket) for adding my 17 year old daughter on to my car insurance as a provisional driver on a 1 litre Skoda CitiGo. 10+ months to run on the policy and they want an additional £1,150 - as a learner driver! I have paid the £40 cancellation fee and taken out a new…
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Buildings insurance for a terrace house inc let basement flat
Hi there, I own a terrace house with a basement flat which I let out. I currently pay landlord insurance on the flat inc buildings cover and buildings and contents insurance for the whole house on my personal policy. I feel I am paying for buildings cover twice. Any advice on how I should do this eg should I just get…
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Landlords' building and contents insurance
Hello, what are the most affordable providers of landlords' building and contents insurance? Most of the comparison sites don't permit it. And also, does anyone know which permit insurance of properties within 30 ms of a river (no previous flooding)? Thank you!
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Should I claim on my car insurance or theirs?
Hi, I was involved in a small accident. The damage is mostly scratches on the bumper and a minor dent. The other driver accepted responsibility after the accident and informed their insurance company. I have comprehensive insurance, I intend to have the car repaired by a garage that is not in my insurer's approved list,…