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Penalty for "claim"
I wonder if anyone here with any knowledge of the insurance industry can offer an insight... Last August, my car was hit by a police van. The claim was eventually settled with the police accepting 100% liability, and all costs were recovered. However, in the interim my insurance was up for renewal and I took out a policy…
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injury during carpet fitiing - claim?
Would appreciate objective views on the above. Carpet fitters come round to fit carpet in small flat. They know residents are elderly and immobile as they are asked in advance to move furniture. My mother-in-law cut herself badly on the edge of a toolbox whilst walking into it. Possibly an opened toolbox where the opened…
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Loss of use claim - help!
First of all, we greatly appreciate of any advice and suggest for my case! We had a collision in last Dec. We were waiting at a zebra crossing for somebody to cross and were hit from behind. The third party admitted full liability, and we got a "cash in lieu" settlement after 3 months. However, our car was not drivable for…
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Tesco car insurance 'mystery' ...
I very rarely come on to this particular part of mse but just wanted to tell others about my dealings with Tesco insurance this morning. With a pack of muddy, hairy pet dogs to deal with on a day-to-day basis, I run a small van as my general vehicle. I was looking for fully comp, myself the only driver. The Tesco quote for…
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Climbing and Life Insurance
Here's a question for you. I took out life insurance for myself and my wife a few years back and one of the questions asked "did I do any dangerous sports, such as rock climbing" to which I answered no. Since then I've started climbing indoors so I called the company to inform them. I was told that since I answered the…
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Advice on no claims discount
The scenario - I have built up a full no claims discount on car insurance, in my name with my wife as a named drivver. She has now become the main driver, and as a result we have had to now inssure the car in her name. meanwhile I no longer have need of a car, and as such won't be obtaining insurance in my name for about…
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Insurance Claim for carpet Help Please
Hello all. I want to claim on my contents insurance for a lounge carpet which was damaged when my toddler tipped a bottle of lucozade on it :eek: :eek: I mopped it up a.s.a.p & then Tried to remove the stain using Carpet Power spray (usually brilliant) but to no avail. I am left with a large orange stain in the middle of…
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meeting with IFA - things to consider/ask him?
We have a meeting with our IFA on Thursday to discuss his recommendations regarding our protection arrangements. We have no cover in place just now, I am age 37, wife 36, one son aged 10 weeks. My income is £40k pa, hers is £15k. His suggestions are: 1. Life Insurance with Critical Illness Generating a lump sum to clear…
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Car Insurance Problems
On 3rd November last year my husband had his first accident in 30 years. We were all in the car at the time he accidentally hit the rear of the car in front. Both parties pulled over and we exchanged details. There did not appear to be any damage to her car but seeing it was nearly new my husband suggested she got it…
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Home insurance problems.
Hi I am having trouble getting home insurance, last year had an under floor water leak, cost insurer £23000, new kitchen etc. Now insurance companies don't want to know. Does anyone know where I can get reasonable priced insurance. I am getting desperate.
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PI Insurance
Can anyone help me find affordable Proffessional Indemnity Insurance? I work for myself and want to be covered. Thanks for any advice:confused:
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cracked roof tile covered by insurance ?
I had a leaking roof over the weekend , subsequently leaked onto my bathroom ceiling which has collapsed :rolleyes: someone has looked today and tell me I have a cracked tile which is the cause of the problerm , but a cracked tile wont be classed as storm damage and therefore not covered by the insurance , :angry: how does…
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IPI wording
Hi all, Can anyone help me with this? I'm reading the small print on a Income protection policy before taking it out. I'm unsure of what the following paragraph means: "Payment in Lieu of Notice - means either of the following: -Any payment You receive relating to the notice period Your employer gives You under the terms…
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Will I have to cliam on insurance?
I had my car written off a few weeks ago and now sorted and I got my new car today. Solicitor arranged a hire care for us that the third parties insurance agreed to pay for. We had to get our car insurance changed over to it and teh hire company have just collected the hire car and after inspecting it pointed out a small…
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No insurance payout for pre-existing medical condition (cancer)
Hope someone can advise. My mum has secondary breast cancer (since September 2005) In April this year they booked a holiday for two weeks in Ibiza for 13 May. Shortly afterwards, Mum's doctor's decided to change her treatment and as a result they had to cancel the holiday. They wrote to the insurance company (Insurance is…
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Advise on Income protection and Critical illness cover
Right I am just about to move house and my husband and I are adjusting our insurance policies as the situation has changed. I'd like some advise on what may be best for us if possible. My husband is self employed and I stay at home with the children. We both have life cover and both of us currently have CI cover too, I…
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Swift Car Insurance
Has anyone got a telephone number for Swift Insurance. They use the 0870 number and the one on the no to 0870 site will not answer me? Did a comaprisson and decided to go with these as they were the cheaper quote, went through and put my credit card details in, however, it did not come back and say it was paid like it…
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House Alarm Maintenance Cover ?
I had a look but can't see any discussions about House Alarm Maintenance cover. My current deal, with a local company, gets me an annual inspection and test of the system, and the right to call them out 24/7 at a discounted rate (not free!). All that for £88. Is there much competition in this field? tia, Andy
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Car Insurance 'Holiday' coming to an end
3 years ago I sold my own car as I had a company car. At that time I was informed by my Insurance Company that I could have a '3 year holiday', whereby after 3 years I could carry-on my insurance and retain my full protected no claims discount. The 3 years are up in August and I still have a company car. The Insurance…
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deep graze on car against pillar in car park, should I claim?
Hi I have never claimed on car insurance and just need some help and advice. First the insurance particulars: Admiral Car Insurance 6 years Protected no claims renewal due Sept Basically a pillar in a car park had a metal strip sticking out and was in my blind spot. While reversing out I deeply grazed my right driver door.…
