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Named Driver Affects Policy Holder?
I recently bought my own car and bought insurance through Bell. I wanted to add my father as a named driver. My Father is a policy holder on his own car with my brother as a named driver. My brother made a claim on the insurance back in January which was not his fault. However when I try to add my father as a named driver…
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Keeping a write-off?
We had a rear end shunt today - a lorry behind us forgot to stop at a traffic island. The damage is visually quite minor - the bumper and skirt and the hatchback door (which is jammed shut) will need replacing but no bodywork is touching the wheels and the exhaust appears ok. It seems to drive ok (no odd noises yet…
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A Problem Trying to Claim on my Holiday Insurance...
The short story is that while on holiday in France visiting my parents I left my digital camera on top of the car and then we drove away. After several hours of searching, nothing was found. The camera cost £300, so I was a little annoyed to find out that Drakefield Insurance (gotravelinsurance) wouldn't pay out on the…
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flat contents + buildings cheaper than just contents
I have just got a quote for my flat from Direct Line - the quote for contents cover alone was more than that of contents AND buildings. The building in insured by the freeholder, so it would be a duplicate of cover. Has anyone else encountered this with flats? Less cover being more expensive seems counterintuitive. Pete
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2 Life Insurance questions please
my aunt had a life insurance policy, which was in trust, she passed away march 2008, the sum was paid out straight away. it was taken out in 2004. initially i thought the amount paid would be covered under the 7 year rule, ie IHT would be payable on it, on sliding scale. i passed this information on to the solicitors who…
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Car accident advice! Please help =(
Hi all, Just wanted some advice on a car accident I was involved in yesterday. I parked legally on a 2-lane (slightly uphill) 1 way street which was narrower than the norm. I even parked partially on the pavement (as did everyone in the street) to allow more room for the right lane. Anyway, as I stepped out my car, another…
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Insurance for modified car
Hiya I'm looking to get competitive quotes on my car insurance which is currently through Adrian Flux. Despite no claims, my premiums have crept up over the last three years and I really need to get them down to a reasonable, affordable level. I can't use the comparison sites as the car has a fair few modifications; both…
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Accident Abroad....HELP PLEASE
HI I took out some travel insurance with Flexicover for a 2 week hol on Sal Cape Verde http://www.moneysupermarket.com/travelinsurance/policy/AMTprem_KF_071107.pdf On 3rd day had an accident after scuba diving the operators' boat engine started up whilst I was in the water and propeller cut my legs. Im ok now but was 39…
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European Driving - Named Driver
Evening all, I'm taking my car to France for 2 weeks soon and whilst I, as policy holder, am insured fully comp, it doesn't mention anything about other named drivers on the policy. Quote from policy docs: "Cover also includes 60 days comprehensive cover within the EU." Has anyone any knowledge/experience if named drivers…
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Life insurance and Critical illness question
Hi, I have life insurance and critcal illness with the same company. But i wonder if i am doing the right thing? If i were to get a critical illness they would pay out and the policy would end. But say i died a not long after there would be no payout unless i took another policy out!! But i was wondering whther it would be…
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Car Insurance - Direct Debit 1st Payment
Does anyone know of any Car Insurance companies who allow you to pay your first installment/deposit via direct debit? I know of Zurich, any more?
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Travel insurance for more than a year ahead
We always like to book early for the deals like 'Kids go free', but find it difficult to find travel insurance for more than a year ahead, particularly with pre-exisitng conditions (PEC). I've tried Martin's tips, but not all cover for more than a year ahead, or load the PECs considerably. Any ideas of companies willing to…
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help i need to reclaim insurance back
hi there. just had mortage adviser round to remortage our house and check our insureance and found out that i have been paying twice for my contents insureance. we took the advisors policy out when he did the mortage and some how northen rock started one as well for the contents. we phoned them up when we found out before…
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NCD, what is the policy on this??
HI, I currently have a policy with Admiral, but im looking to sell my car soon. I understand that i can place a hold on my insurance policy with them while i find a new car. However, when i restart the insurance, they just give me a refund for the period where i did not have insurance and keep my policy expiry date the…
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NCD - Protection
I've just phone our insurance company to find out how much it would cost to protect our NCD which currently is 5 years and they gve me a quote of an additional £5 a month. If I don't proctect my NCD and I were to claim I would drop to 2 years NCD. My question is it worth protecting a NCD?
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Help - Car insurance NCD
Hi all I've been lurking for a while, but the time has come to introduce myself with a question. In Nov 2005 I received a company car, but continued to insure my personal car until it was sold in Jan 2006 I had 6yrs no claims discount at this time. Now in April 2008 I returned my company car in favour of another personal…
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Car Insurance - charges for changes
Hi Folks apologies if this issue has already been raised but I've just joined the forums and can't find any answers in the posts so far ... I'm planning to change my car later this year and when I phoned my current insurer (Sainsbury (who are esure I think), they told me there was an "admin charge" for them to change the…
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Warning: Tyre Insurance Ripoff
I just bought a used car from our local BMW dealership. They tried to sell us a whole load of protection policies that cover paint, gap insurance etc. We said no to all of them, but the tyre protection policy looked like a really good deal. For just £299 they would replace up to 5 damaged tyres over a period of 3 years.…
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Norwich Union Simple Cover Car Insurance
Just phoned Norwich Union Simple Cover to change my address details and was charged £71.00 to do so. Didn't have a problem with that as I've moved into a higher risk area but on top of that I've been charged a £21.00 administration fee to send out new documents! I've checked my policy and it does say in there that they…
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Travel Insurance....
....with pre-existing conditions is an expensive minefield. So I am wondering if I can insure myself and my 11 year old son, who are both fit with no conditions, separately from my diabetic husband, for our forthcoming 2 weeks in America?
