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Does an HIV test affect life/sickness ins?
My OH may need to have an HIV test to get a business visa for Russia (standard requirement). Does this affect his future ability to get insurance (for life or sickness) or put up the cost? There is no medical reason for having it. Purely to qualify for the VISA requirements.
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Life Insurance: who, what, where and HOW MUCH? ;)
My GF and I have just bought our first home (or in the process of). We’ve understandably been advised to take out life cover in case one of us gets ill or even dies so that the other will have the mortgage paid off. However, I don’t know what to look for and what represents good value for money. Can anyone suggest the best…
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car insurance claim - just about to change companies - advice please.
Hi, Just about to change companies from one insurer to another (in septmeber) and got out my car last night only to find a massive scratch right down the side of it - so have had to make a claim (my first ever) full protected NClaims. The question is how much is it likely to effect the price of my yet unstarted insurance…
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Joint Life Insurance
hi my partner has just got details and a quote for joint life insurance for us together but Im worried as I have bad credit and he has an excellent record. Is joint life insurance like a joint account - ie, will it link us together financially and cause his credit rating to drop because of association with me? thanks Stella
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How do I claim back my excess?
Some nice gentleman (who has admitted liability) decided to drive into the back of me and cause £800+ damage to my car & £2300 damage to my mountain bike! Anyway I have had to fork out 2 x £300 excess on my car and house insurance (swift.com & The AA respectively) and because I am a tight moneysaver didn't take out the…
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atlas travel insurance - £65 excess x 4 !!!!!
probably going to have to cancel my holiday due to ill health. rang atlas travel insurance to query the excess (i am sure it did not mention excess back in feb when i took out policy ) anyway they say its a £65 excess which i thought sounded ok but because the insurance is for a family of 4 they times it 4 times !!! so…
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Refused Life Assurance
I have been refused Life Assurance cover by Norwich Union, not sure why. They first refused my application due to medical reasons. I queried this with my doctor who checked my records to see if there was any problem. He couldn't find any problem so got in touch with them and found they had misread some of the notes sent by…
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Very Old Life Assurance
My mum found an old Life Assurance policy on her mother given by her aunt (who has since died) this is fully paid up from 26/10/1918 value £9.15s Nine Pounds Fifteen Shillings. From the Liverpool Legal Victoria Friendly Society - she contacted them and they offered her £10 for her trouble - they said they couldn't find the…
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Countrywide Assured Lifetime Protection Plan
Been paying for this for 9 years. Provides 1) death benefit - both also covered by work for a lot more 2) critical illness benefit - lump sum payout if un-able to work again:confused: 3) premium protection benefit - :confused: 4) income replacement benefit - get sick pay for six months at full pay from work:D I don't think…
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life insurance ?
we have life insurance on mortgage , if either of us dies , then mortgage is paid but at the moment mortgage is on interest only and life ins only pays out 70,000 and mortgage+ redeption is 76,000 , should we keep this or cancel it ?
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Life Insurance help - double policy error?
I took out new life insurance last year and was told my previous policy would be over written. However, when I sat down to finally organise my finances, I discovered my original policy was still taking direct debits for last year and a half! I phoned the building society that is "proud to be different" and was finally told…
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Expat holiday insurance - help needed!
I'm a UK citizen, lucky enough to be working in the British Virgin Islands in the Caribbean. Next week i'm going on holiday via the UK to Australia and Hong Kong which is great - my only problem is finding an insurance company to cover the trip with regards to regular baggage and medical travel insurance. Every insurance…
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Buildings Insurance question
I am buying my flat under the RTB scheme and the council has Building Insurance in place but only for an amount of £67,000. My survey states that rebuild cost is estimated at £85,000. Do I just insure for the difference in amount? I have tried a couple of websites and they seem to have minimum amounts for buildings…
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from which date should i start home and building insurance? exchange or completion?
hello again, sorry if this is a silly question. from which date should i start my home and buildings insurance? exchange or completion of the property? the property i am buying is £435k. i have read in the insurance forum not to insure it for what it was bought for. instead, provided i have read this correctly, i should…
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Tesco Insurance cash back offer
If anybody noticed my previous thread on Tesco offers and wondering where they had all gone, it seems some have now been put online. The following is available: Home Insurance:* Premiums £200 or over = £40 cashback * Premiums under £200 = £15 cashback Car Insurance* Premiums £800 or over = £80 * Premiums £600 - £799 = £60…
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Anyone know about buildings insurance - which is sort of "block insurance"?
Hello I just wondered if there was someone who could advise me on my situation. I live in a house which has been converted into two flats. I live in the upstairs flat. I have bought the freehold of the property with my neighbours in the downstairs flat. We need to get buildings insurance for the whole building which must…
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Contents Insurance / Plasma TV
What is the benefit of having a seperate warranty for a Plasma TV (costing hundreds) when contents insurance will cover it? Or am I missing a point here, is there a limitation the contents insurance in general? For example, Plasma TV's come with one years warranty normally (are they supposed to be covered longer if they…
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Require advice on policies to cover current security situation
With the current situation I find that the policy I have (currently the recommended one for family multi trips) no longer cuts the mustard. The policy excludes any claims related to terrorism "directly or indirectly by, happening through or in consequence of: • war or invasion; or • terrorism; or • acts of foreign…
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Travel insurance for Ryan Air cancellations
Can anyone help with suggestions for a travel insurance policy which will pay out if Ryan Air continue to cancel flights as they have been in the present security situation? I have discovered that our present annual policy gives no cover for alternative travel arrangements to get you home if Ryan Air's flight doesn't turn…
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Query - Barclays insurance & Greasy Palm & Quidco
Hi I've just joined Greasy Palm and looking to renew my home insurance. I notice on Greasy Palm that Barclays are offering £47.50 cashback - it I take out a separate buildings and contents policy, will I get 2 x £47.50? Thanks ......I've now noticed that Quidco are offering £95. If possible - I'd still like an answer to…
