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Insurance for children at school
My son had a nasty accident at school which has resulted in him damaging his teeth. He had emergency treatment immediately after the accident and then over the weekend we saw a private dentist who detailed the possible repairs. It appears that the cost will be in excess of £8,000 and treatment will last over many years. We…
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Life Assurance is owner the beneficiary?
My wife and I are both taking out life assurance so that if one of us dies the other will have some money to pay bills and look after the kids. we have decided on separate policies. Who is the beneficiary of a policy? Is it the applicant or the policy owner. I understand that if I take out a policy and then die the money…
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Swiftcover refusing to deal with third party
Hi all, I have comprehensive insurance + protected NCD with Swiftcover. On Tuesday the back of a van clipped the front right of my parked car. We exchanged details and he appologised for his mistake (his insurer is quotelinedirect). I called up Swiftcover on Thursday to report the accident but customer services refused to…
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Notification to insurers of accident
I was recently involved in a minor accident in a hire van I was driving. I scraped another van's bumper. This did absolutely no damage to the bumper but put a dent in the hire van for which I will have to pay a £500 excess on the CDW (the flimsiness of modern day vans is quite remarkable!) Because there was no damage to…
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Short Term Buildings and Contents Insurance
My B&C Insurance needs to be renewed for 1st November. The problem is I am moving out of my house into my parents on 30th November until my new house completes, so it seems daft to take out the insurance for the year. I have phoned my insurance company to see if they will let me freeze it but they won't. My premium is £155…
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Beware - Dial Direct car insurance renewal quote 'included' Payment Protection
This is the first time I've come across this & can't find an existing thread - apologies if there is one. We received our Car Insurance renewal quote today from Dial Direct quoting a total price of £344.84 if paying monthly. Under the 'What's included in this price' section were the usual Comprehensive cover and Motor…
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Young Drivers Car Insurance
Hi Folks! We are investigating Car Insurance for my 18 year old Step-Son. We're sure we've heard about a company that does Car Credit with Car Insurance included for Young Drivers, but several frustrating hours googling has not produced any results. :mad: Anyone got any clues????? Cheers!!!!! A Very Frustrated Skint Step…
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Claiming Against Travel Insurance Company
Too cut a long story short; taken quite ill in South Africa about 2 months ago and stayed overnight in hospital. Put claim in for cancellation of Safari and for flights unused. Received a letter this morning just paying out the medical fees that I paid and stating that "curtailment is return home early to your country of…
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Ford Cougar in south wales
Hey all, Im looking to buy a ford cougar either 2 litre or 2.5 litre V6 with X pack interior, just wondering if theres anyone on here with one who would be interested in selling it? Must be in south wales area thanks :beer:
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Home/Building insurance + v. large single item insurance
Ok, here it goes.. i've got a mid-terrace house, worth about 230-240k. Our home contents/building insurance last year was £280 from Zurich (-£80 cashback from quidco). However, I've recently got engaged and bought a rather lavish engagement ring, currently valued at about £7800 At the time, it only cost 20 quid to add this…
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Third Party Will Not Report Accident
Hello, I wonder if anyone has any advice, please. My mother was involved in a minor accident where a third party reversed out of a drive into her car damaging my mother's car's wing. The lady at the time said she'd get her husband to repair the car as he was a car mechanic. Unfortunately, my mother didn't get the lady's…
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Arthritis - do I need to advise car insurer/DVLA?
I've recently been diagnosed with Rheumatoid Arthritis. At this moment in time, it does not affect my ability to drive. But do I need to inform my car insurance company and/or the DVLA?
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Help with Life Insurance
I am 59years old and my husband 66 and confused with search engines etc. I would like to take out an insurance policy which only covers the cost of both mine and my husbands funeral costs. Could any one point me in the right direction please? Having scoured the net I believe I need a whole of life policy just to pay for…
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Bit confused about non-claim & loss of NCB
Hi, not sure if I'm being a tad naive here but towards the end of last year (whilst remortgaging) my new lender's surveyor identified some problems with some wood rot to the rear staircase in my rented maisonette. It's an internal staircase and the area (according to the surveyor I then employed to assess the problem) had…
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No claims bonus's
Im a car newbie, thinking of buying my first car. Well my dad has 4 no claims bonus's but he hasnt driven since 2002/3, what does this do to his no claims bonus. He believes that he's no claims bonus's have expired. Is this true, can that even happen? He's insurer was royal sunalliance. thanks
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Car insurance. Money saving advice needed.HELP
HI. I am looking for car insurance. I am 34 but only passed my test 10 months ago. I drive a skoda octavia automatic.(which I think is only group 4) I did have a little shunt in June so have no NCB. But the quotes I have been getting are ridiculous. The cheapest have been over 2 grand fully comp. Endsleigh quoted me…
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Unoccupied property - need insurance
Hi, We currently live in rented accomodation and the landlord covers the building insurance. We have contents insurance with Barclays. We are due to complete on a house on wednesday and solicitor advises me that we need buildings insurance from then. Barclays wont provide insurance as it will be unoccupied until early…
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Terminal illness - insurance setting
Hello I have a problem with a terminal illness claim in that the insurers are deciding that the illness was terminal at the point of diagnosis, when at that time the life expectancy was given as 2 years. My understanding (was and) is that the insurers pay out on life expectancy of 12 months or less. We waited until the…
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LCD Warranty / Insurance
Hi I am about to purchase a large LCD 46" TV (£1400) and considering its a large valuable purchase wish to have it under warranty incase anything goes wroung. I have shopped around and the online company from whome i am buying it from do not offer extended warranty and therefore i would only have a 1 year warranty. Where…
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Joint Life Assurance, trusts and co-habiting
Hi, my girlfriend and I are in the process of taking out a joint life policy to cover the mortgage if one of us dies. We are buying as 'tenants in common' - if that helps. I have read putting the policy in trust is advisable for IHT purposes, but I have also read that for co-habitees it is not advisable - but I don't know…
