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Sly little trap set by insurers? WARNING!
When filling out most car insurance proposal forms, you will find a question to the effect of "Has the proposer ever had any insurance declined, offered on special terms, canceled, etc?" Now most people would assume that question refers to insurances of the type they are applying for. Technically, it doesn't! It says ANY…
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Travel insurance claim rejected
Hi I am a first time poster here and hope that someone can help me. I was on holiday in the States in June of this year with my husband and daughter, when we received a call on the 3rd day that my father had died unexpectedly at home in Scotland. Obviously our priority was to get ASAP. My husband contacted our insurer,…
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Life assurance and critical illness- where do I start?
My partner and I were reviewing our finances and we want to look into getting a different life assurance and critical illness policy. We took out a policy through a financial advisor and I really don't think that we got the best deal. I know that all the charges are unique per case but I really got the impression we got a…
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Flats and home insurance
Hi First time poster with a question - I'm buying a new flat. I know with the monthly factor fees we have communal buildings insurance. However do I have to get separate buildings/home insurance for my flat with my contents insurance? Hope people can help me with this simple question - new to this thing. With Thanks
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*HELP* Huge fee on address change for car
I recently bought a car for £400, and insured it at a very reasonable £409 (paid in one go) using the method from MSE. However it came due for some very expensive repairs (not covered) and I decided it might be best to sell it. I moved house at around the same time, so when I called the insurance company to inquire about…
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life assurance and trust
I fail to understand the point of putting spouse name as the principal beneficiary of the term assurance policy. As even if the money is paid into my estate. According to HMRC rules, ones estate is transferred to spouse without IHT. So, i believe beneficiary should be anybody except your spouse ...i am happy to be corrected
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reg/blind 1992 didn't claim on mortgage life / ins
Hi! took out mortgage in 1991 and moved to Northumberland was reg blind April 1992. Had (retinitus pigmentosa) when i took out mortgage but was still working. When i stopped working i never claimed on my policy, because of state of mind at that time.- still not exactly sure what policy covered. A. could anyone tell me if i…
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life assurance and trust
would be grateful to know if i put my child name in trust (for policy of 500,000) as beneficiary instead of my wife name ( who also has 500,000 policy in her name with my child name as beneficiary) and suppose something happens to both of us when he is only 5 years old . who manages the money 1000000which he gets. do we…
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life assurance and trust
currently i am paying for life and critical illness. the premiums are high. So, I am about to sign for term life assurance and also sign it in trust my query - can i cancel the policy in 2 years from now if needed and take entirely new policy- ie whole of life, pension. does putting in trust prevent me from cancelling the…
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Help! Still unsure what type of insurance to get?
Hi Still unsure what types of insurance we need. My wife and I both work (reasonably secure jobs), have no children and our only debt is a £110k mortgage. Not a great amount of savings, just an emergency fund. Both in our late 30's. Would appreciate some advice on what types of assurance/insurance cover we should have -…
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Great Dentistry Deal!
I'm looking at getting dental work (initally a clean and scale, perhaps a visit to the hygenist too) done. I'm not familiar with NHS. Are there dentists you can visit whereby the consultation and work will cost you nothing? I realise if there are then they may be hard to register with and obtain an appointment. Are the…
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Whole of Life Insurance
Ive been on every comparison website there must be out there and am still none the wiser!! I want whole of life insurance, end of story! So when I pop my clogs my funeral costs are paid for. Not inheritance etc etc. Can anyone suggest the best provider or the best search engine purely for this cover?? Kind Regards Karan
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Minor Car Accident
Not really a problrm just venting a minor bump which happened on Friday, In birmingham at a roundabout waiting to pull onto the roundabout and take the second exit when bang, idiot from behind whacks me. We pull over and the first thing he says is theres no damage so no need for insurance to get involved, i point the dent…
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term assurance vs whole of life
whats the difference between term and whole of life insurance
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life assurance and trust
what is irrevocable life insurance trust is it better than flexible trust are there any more types m
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gap insurance
I am buying a new car and have been quoted £400 by the Toyota dealer for gap insurance. On the net the going rate seems to be £127 upwards Can someone please advise a decent company to use as many of those listed are not "known names"
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life assurance and trust
4 hours now....however time worth spent in reading all the questions and answer posted on this website re - life assurance and trust. However, still not 100 % sure, so thought of asking a query myself. my situation- I am 32 years, non smoker, married, my is 30 yrs, non smoker. I have a son aged 4 months. I have a mortgage…
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cancer and critical illness cover
my daughter and her husband are buying a house, he has just been diagnosed with skin cancer and had a patch removed. will they still get cover, obviously skin cancer would be excluded on his side
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hi need help please for mortgage insurances
Hi, I'm trying to tidy my finances up at the moment and clear my debt and am unsure of what I need insurance wise for my mortgage. I currently have a mortgage £135000 (with partner) with northern rock and have: friends provident life or earlier critical illness (decreasing)=£24.28pm norwich union mortgage linked life…
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Car Hire Excess Insurance
Hi I have recently been charged around £150 for damage to the underside of a rental car abroad. Although I cannot be sure how the damage was caused there are photographs and a report detailing the nature of the damage. As I had previoulsy taken out a car hire excess insurance policy I was hoping that this would cover the…
