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confused about interest
Hi I am trying to sort out renewing my husbands car insurance, he has always paid in one go and this time as we now have a bank account and not enough money we wanted to pay monthly. the monthly option wants us to pay interest - we do not want to pay interest and always try to avoid anything which gives or charges interest…
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Esure reduced my contents cover on renewal
I insured for £30000 contents last year- esure's renewal quote has reduced this to £16670. So I don't qualify for any of the like for like renewal quote offers with new companies. Explains though why all the comparisons were coming out as more than esures renewal quote. This happen to any other esure customers?
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Can't get my excess back
I was involved in a road accident last December. Although I colided with a stationery vehicle (stopped on my side of an A road at night) the Insurace company decided that it was my fault. Since my car was a write-off, I was paid the value minus £200, the excess on my policy. Since then, the Public Prosecutor wrote to me,…
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Life Insurance / Assurance - here and aboard?
hi, we're a couple with three young children - and really need to sort out both of us for life insurance. We plan to take out separate single-life policies, not a joint policy. The problem is that we contacted a few providers and they all decline to reply on a sticky query. Our sticky point = is that we don't want to take…
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Definition of "new customer"
I posted a similar message in someone else's thread a few days ago but didn't get the answer I was looking for so apologies for asking again but I want to be sure before I buy which has to be in the next 5 days. When I get my renewals I always phone up to say "please allow my policy to expire", then I buy again online for…
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Travel insurance for 17 year old, annual
Looking for a good worldwide, annual travel insurance for my 17 year old daughter. Any recommendations pls? Thanks.
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Travel Insurance - Proof of ownership??
I'm looking for travel insurance for our Europe camping trip and want some half decent baggage cover in case anything gets stolen etc. However they all state that you need proof of ownership for all you items...what constitutes proof of ownership? Obviously I don't keep the receipt for my digital camera I bought 5 years…
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Mobile Phone Insurance
I believe I left my phone in a cab last night and now it has been stolen as the taxi driver couldn't find it. I have mobile insurance with Lloyds TSB and there student account, but I'm wondering if I will fall into the clause: • Theft or loss of your phone where it has been left negligently or deliberately in a public…
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Swinton took money when I had cancelled!
I took my policy out last year and the insurance is due for renewal on 7th June. I rang Swinton on 9th May to say I would not be renewing with them. However on 30th of May they took a payment out of my account! I rang them straight away and spoke to a man who said that in my terms and conditions it stated that they would…
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Help - Insurance question
Hi everyone, My parents brought a car from Ireland and got a cover note on the car which expired two weeks ago and unfortuantely due to a family tradegy, they forgot to renew. My dad has fully comprehensive insurance (on another vehicle) and he drove the car (with the expired cover note) to work this morning - this…
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Is it worth tyring to sue a burglar?
Sorry if this sounds silly but I'm not sure what to do. Last October we got burgled and had a number of things stolen from the house including every set of keys we have and one of the cars stolen. It worked out that we were seriously put out of pocket as we had to pay every insurance excess going £150 for buildings (damage…
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Is it worth tyring to sue a burglar?
Sorry if this sounds silly but I'm not sure what to do. Last October we got burgled and had a nuber of things stolen from the house including every set of keys we have and one of the cars stolen. It worked out that we were seriously put out of pocket as we had to pay every insurance excess going £150 for buildings (damage…
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Can't Work...
Hi My dad is a self emplyed plumber and is currently not working as he has torn ligaments in his leg. Is there any sort of insurance he can take out to cover him for this? Thanks
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Travel insurance for cruise ship workers
My wife and I will be working on cruise ships intermittently over the next two years. We will spend between 4 and 6 months away each time with approximately 2 months at home in the UK in between, where we are normally resident. Whilst on the ship we are covered by the company but not whilst travelling to and from.…
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Car Insurance claiming question
If you have an accident and there is doubt over which driver was at fault what happens? I know usually the insurance companies dont bother getting involved in any arguments but what happens? Do you both end up claiming on your own insurance (and paying the excess) ? Or claiming off each others (with no excess to pay)?
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car accident
i wonder if anyone can advise me ...on sunday my hubby was in a car accident the other party ran into the back of him... i contacted the insurance company and they are willing to get the car fixed etc ...but when i asked to get some legal advice for my husband ...who has been badly injured they said that as we dont have…
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Two income protection policies
Hi A fair few years ago, I got an income protection insurance policy with Lloyds. Later, when I got a new job with a higher salary, I asked them to increase the cover. At the time, they said they couldn't alter the existing policy, so they gave me an additional one from Scottish Widows that covered me for the additional…
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Car Insurance with 2 cars
I am just about to purchase a 2nd car, i currently have 5 years no claims. I have this protected with my current car. I am led to beliwve that I do not need to have no claims protection on my 2nd car. Does anyone know if this is correct? I am juyst worried about if i was 2 have an accident in the 2nd car. Does that make…
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Moneysupermarket.com buyer beware
Just a word of warning, if you use moneysupermarket.com looking for the best Insurance deal, when you put in all your relevent details, you then get bombarded with phone calls from Insurance companies that you didn't go with trying to sell you something, so just a word of caution
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Mis sold Buildings Insurance
Hi all, New to posting to the forum but just looking at the website and was just wondering if the same rules apply if you feel you have been mis-sold buildings insurance when a new mortgage is taken out as they do for mis-sold PPI. Had mortgage with Kensington Mortgages and when applying for the mortgage was told that I…
