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Mobile insurance - have I messed up?
Sorry if I've posted this is in the wrong place; I wasn't sure where was more appropriate. I took out a mobile contract in March and bought a years insurance from foneGuard at the same time. Being a lousy drunk I lost my phone on Friday after a night on the tiles. As far as I know I'm covered for accidental loss, but when…
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Family Protection Trust
My parents are thinking of taking our a family protection trust, which will put their 'owned' home and savings into a trust this is then protected from the local authorities should they go into a home or require care. Has anyone else had experience of this or know if it successful? We live in Scotland.
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Travel Insurance for Volunteers
Hi, I'm currently looking for some trabel insurance for my voluntary trip to South Africa but am unsure about where to look. I've had a quick look through the search engines provided by this site but don't know whether any will specifically cover volunteers or not so was wondering if anyone else had a recommendation they…
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Level Term Assurance???
Hi all, I am totally new to all of this, so hope you can help. I am going to get level term assurance for me and my family, I know the basics about it but wanted to know a few things that the websites dont seem to tell you. Once the 40 years is over from paying your premiums and say you have not died what happens? DO you…
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Life Insurance / Divorce
Hi First time posting so forgive my etiquette!! Basically my husbands ex wife after 6 years of divorce has now decided that the life insurance policy they still have together needs to be changed, she has advised him in the event that he passes away that the proceeds will go to her and that if she passes away that the…
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TV Claim
We broke our TV, well it fell onto a can of paint, we've recieved a letter from Crawford Loss Adjusters they would like to come and pay us a visit. Has anyone had any experience of them? Thanks in advance ;)
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What insurance to go for?
Well i got a life insurace policy when i took my mortgage out and tbh it quite expensive but covers everything, i have the policy for well over a yr now and like something cheaper as i cant jsutify the amount im paying every month with my finacially situation, i been looking at few options but really cant decided, as i did…
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Home Ins Claim
Some low lifes smashed a leaded french door last week at our house. They were bespoke doors and less than a year old. The insurers have quoted £212 to repair (plus VAT) but our orignal installers have quoted £320 Plus VAT. Our excess is £100 plus we would lose 5% of our no claims bonus. We would prefer the original people…
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Insecure site insurance application forms
I had a look at the forms you fill in to get a life insurance quote on both cavendishonline.co.uk and moneyworld.org In these forms, you have toenter a number of personal details (name, DOB, address, phone numbers) and yet the data you fill in appears to be sent insecurely (no encryption). I decided not to use these sites…
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Car insurance whilst at university
Hi All, My DD is off to university in September, which is when her car insurance is due for renewal. She wont be taking her car with her but will want to use it or a car when she comes home in the holidays and occasional weekends. Obviously we would like to take the cheapest option possible, does anyone know of any…
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Mortgage Protection - A new con???
My friend was made redundant in November and because she and her husband have a joint mortgage she decided to claim her half on mortgage protection. Nat West who they have their account with, have now demanded that she sends them all her job applications and any interviews that she has had or they will stop paying out. It…
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Pre-existing nightmare
I had a holiday booked to take my two children and i to Egypt costing £2500. I booked holiday Insurance over the telephone . I booked the insurance a week before we were due to go(i always do this).I was asked the usual medical questions about my children and i . The following day my mother dies suddenly and most…
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Insurance for courtesy car
My car is going into the repair shop soon to have it's bumps and scrapes mended (I gently grazed a wall & the car came off worst) The garage has offered me a courtsey car for the day but I have to get fully comprehensive insurance for it for the day (my insurance only gives me 3rd party cover - and the company won't let me…
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MPI versue Income Protection
Hi there, I wonder if anyone can help with some advice. We currently have MPI which I have just increased following an overhaul of our finances and realising our cover doesn't actually cover our mortgage payment! However doing some research I've been wondering if taking out Income Protection would not be better for us - we…
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Indemnity Policy - Help
Hi, We are selling our house and we have been asked by our buyer to pay for an indemnity on the property as there's a potential risk to flood or subsidence. Is this right? - is this something we should pay for them?? Our buyers are being unreasonable about some other stuff and I would like some advice on what we should be…
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A Couple with 3 Cars, What's the best Option ?
My partner has been driving for 2 years, owns her own car and has had her own insurance for 1 year. I also have my own insurance with over 14+ years NCB, I own 2 cars. Can we get a policy to cover 2 drivers with 3 cars ? If so who etc ? Thanks. Stu
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No claims bonus after a theft
Hi, My car got broken into a few months back and the radio was stolen. I got a crime reference number and my insurance company paid for the repair to the window and replace the radio. Now I have got my renewal through and I have lost my 4 years no claims bonus. Is this normal? I thought because the theft was through no…
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car insurance question
my aunt has a focus with her own insurance. my 2 cousins aged 18 and 20 both want to drive and share a car (1.4 golf). can she get a new policy for this new car and add both my cousins as named drivers? they are not worried right now about gaining no claims bonus and want to find the cheapest way of insuring this golf for…
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Insuring US visitors to drive my car in the UK
Hi, having trouble finding a way to insure some friends from the US to drive my car in the UK. Any advice?
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Norwich Union - Free Contents Cover & Cashback!!
My dad asked me to shop around for a cheaper H&C premium. He was quoted £242.50 from his exisiting provider (LV) After a bit of searching I came across Norwich Union - who are offering free contents cover upto £50,000. The quote came out at £131.00 I then went through quidco who are offering £70.00 cashback Result - 12…
