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CI cover! shall i cancel?
i have a mortgage life assurance with CI cover costing me £70/month. Iam 37 yeas old, non smoker. after watching watchdog on BBC few weeks ago about CI policies not paying for people diagnosed with cancer because of some rubbish excuses not declaring an irrelevant illness in child hood) i started to wonder will i be better…
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Insurer and repairer don't talk to each other!!
Just when I thought it was all sorted. Car is being repaired, I have a car while this is being done and the insurer writes to confirm third party has contacted them saying it was all their fault and will pay for all danage, letter confirms that my excess is waived and my no claims intact. Straight forward I thought!! How…
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Home worker insurance
My wife teaches languages at home - always one person at a time and for only 6 hours each week. As people are visiting the home and paying for their lessons most household insurance policies exclude liability connected with this. Anyone know a company which will cover such work? As the scale is so limited - 6 hours a week…
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Car Insurance Cancellation fee
My father decided he is too old to drive anymore, sold his car and today tried to cancel his insurance. He was told he would have to pay a £55 cancellation fee. He has had the insurance since October and paid for it in full. He thought he would be entitled to some money back for the unused months but was told that they…
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Norwich Union Claim - Any thoughts
Some thoughts on this one please! On Friday night one of the little darlings around here threw something at my front door and smashed one of the panes. I have a 1930s house and the ‘front door’ (which encloses the porch – I have another front door inside it) is actually double doors, with four large panes in each one, and…
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Car Insurance "Protected No Claims" Help
I have always had protected no claims and never made a claim in 20 years of driving until this year. Does anyone know how the protected no claims works? i.e when I go to renew my car insurance in September I am going to get asked if I have made any claims in the last 5 years. Well I have so I have to say yes. So what is…
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Life assurance in trust question
Looks like L&G are the cheapest insurer for our joint policy which we want to write in trust so that it doesn't form part of our estate. I've downloaded the application form and all I can find on the form is a question asking if it is the intention to put the policy under trust. So I tick that box... and then what? Will…
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Disputing blame in an accident claim?
Hi Folks, my girlfriend was involved in a car accident while I was a passenger. It seemed straightforward enough, road was bending, car coming the other way too fast and too wide, clipped the side of her car. Insurance companies are now ruling it a 50/50 blame accident which it definitely was not. Other driver admitted…
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First Alternative Insurance Issue
Ok then in August last year a car driver opened his door at a filling station and damaged my vehicle. Last Friday I get a letter from FA saying they don't want to insure me anymore and being helpful they provided me with a competitive quote of £950.00, I was paying £420. The other party has 9 months after the accident…
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Help with car insurance ombudsman complaint please
Someone drove into the back of my car back in March and the car was consequently written off as being uneconomical to repair. The insurance company subsequently offered me £400 for the car (it was an old car) which I accepted in the interim while lodging a dispute about it. To cut a long story short, the insurance company…
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Guidance on Life, critical illness & employment insurance for mortgage
We're in the process of sorting a mortgage and need to look at the appropriate insurances. Broker has suggested Scottish Provident for around £22 a month for all three. However, partner has 2 jobs and the insurance only covers one. Firstly as he has 2 jobs if he loses one of them will the other job invalidate the claim? I…
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Loss adjusters dragging heels
Hi I had a fire in an out house last year. The loss adjusters were sent round and they were spot on for the first few months (loads of goods replaced and the whole thing rebuilt). Then the person assigned to the job changed and it has become hellish since. We've had to badger them to get stuff done and the last few…
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Prudential car insurance and quidco cashback
My car insurance is up for renewal and have decided to go down the quidco cashback route. I have worked out that Prudential will be the best but have a few questions I need to ask. We have 2 cars and both up at the same time so will be going through Prudential for both - can I get cashback for both? Should I wait a few…
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Legal Insurance
Hi I was wondering if anybofy knows of any insurance company which would cover any legal costs for solicitors. I was checking a law firm website where it states that they did not do any legal aid, but clients could use their legal expenses insurance. Apparently, many home insurance policies also include the the above. I…
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Will Lloyds TSB pay me £15 for having free house insurance with them?
Well, just got a quote from them - £105 for building and content (small two-bedroom, 5 years NCD). Cashback from Quidco is £120. Will Lloyds TSB honour the cashback? What do you think?
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14 day 'cooling off' period and travel
Hi, I was wondering about this today and thought I'd ask. I'm not trying to 'scam' anyone, I just wondered if this is a legal thing to do. I was looking at Direct Line's site, and they say you can cancel the travel insurance up to 14 days after buying it to get a full refund (for whatever reason). So, for my week on…
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Car insurance for new driver
Hi my partner is looking for insurance for our car which is a 1.4 astra, tried moneysupermarket and confused but they still seem really expensive. I know with it being his first year we're bound to pay more, do you know of any companies who specialise in new drivers? I tried adrian flux which was quite reasonable as well…
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Help! Hubby Mis-sold PP, GAP ect on car loan
Hi Wondering if anyone can help Hubby took a £2200 car loan out with Welcome Finance thru a car dealer. He took the loan out for 2 years (after being told that he could not take the loan out for 12 months) - or so he thought!!!!! (repayments were £160 per month) At the end of the 2 years (March) we applied for a mortgage…
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Car insurance for 4 months
Hi, does anyone know how I can insure my car for just 4 months without penalties? Norwich union who I am with now would charge me £52 administration. Cheers
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Ncb
Question, I insured my car for 5 years, then got a company car for 4 years. Now im giving up my company car, do i have 9 years no claims if i get a letter from my work stating the 4 years
