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Insurance & life assurance

Archives for December 2009

missing no claims bouns
hi everone can any one help me iv just ask my insurance (ecar) for proof of my no clames which should be 7 years in jan but thay are only going to send me 5 years no clames. so i said to tham when i first start the insurace with ecar in 2008 i sent tham proof from other insurance that i had 5 years. iv been with you (ecar)…
Travel Insurance Ski Cover
I'm looking for some advice... We (my wife and I) currently have an annual trip policy which doesn't include winter sports. The problem is that we're looking to go away for a (European) weekend in January, where we may do some skiing. I figured I could do with cover for the skiing in case I break my (or someone elses!)…
Interest charges on car insurance paid by direct debit
What is an average interest charge to pay if you decide to pay your car insurance by direct debit? I currently pay my car insurance £439.59) by credit card - this is for 10 months, not a year to build up no claims discount quicker.. This was ok as I used to pay off my credit card and there was no interest charges. Now it…
Home Insurance
Afternoon 1st of all don't want to claim or anything (Happy with my TV) just wondering how it works! I have a 36 inch Sony CRT TV which I bought 7 years ago for £900. Obviously these TV's are no longer made now. If this is knocked over and I need to claim what would the loss adjuster do? Just wondering! Thanks
Travel insurance claim - not lived with partner for 6 months
Hi all, hoping you can help. I booked a trip to Norway for my girlfriend's 30th, due to leave 12th December. This cost several thousand pounds. On 7th December she was diagnosed with suspected swine flu and told not to travel. I didn't think I had travel insurance and faced a £400 cost of rebooking, but on 10th December I…
Car insurance: address change charges: are they fair?
'Lo all, this is my first post so greetings everyone. I've been meaning to find out more about how car insurance companies get their postcode data from, as each and every time I have moved address (4 times), my premium has gone up by at least 20% (not including the admin charge). I'd understand if I moved from a low to a…
No Claims-How do they work?
Insurance companys are !!!!ing me off For some reason my insurance has increased by over £100 even though i haven't made a claim. Also they are saying i only have 2 no claims bonuses even though i've been driving for three years without making a claim? Last year my insurance company wanted to check my claims and said i do…
winter sports cover...
Hi, SWMBO is going skiing soon so ive started to look at insurance policys. However none memtion if they cover the cost of mountain rescue if it's needed (lets hope not). Even a few sites who clame that it's covers on the frount page when you look at there policy docs it doent mention anything about it. I can only assume…
Direct Line Car Ins ARGGGGGH!!!
Hi All, In need of some advice off you kind people again. I have a fully comp car insurance policy with protected no claims. In Oct 2009 i was stationary at the traffic lights when another car came into the back of my car. The damage was minimal, just some paint work damaged where his car hit my car. Decided that we'd go…
Pruhealth - Penalising People Splitting Up
Hi, I've been a policy holder with Pruhealth for the last 2-3 years along with my partner. He is the main member on the policy and I'm a family member. Together we got to Platinum status and managed to reduce our premium considerably. Now I wish to split from his policy and take out an individual cover. I contacted…
Life Assurance - Was I mis-sold
Hi guys, I want your opinion about something. Here are the facts: In April I took out a loan through my local RBS. In branch they asked me if I wanted to take life assurance out to cover the loan if the worst happened. I accepted. The advisor was very quiet and I asked what he was doing and he advised that he was filling…
MPPI - Coventry/Payment Shield
Hi folks, I've been spending quite a lot of time on the MSE website today along with sorting out my finances ready for the new year - I'm wondering whether or not my mortgage payment protection plan is possibly refundable. Basically we bought the house 6 years ago, took out a mortgage with the Coventry Building Society and…
PPI Advice and Information needed please.
Hi all. I have a loan with Natwest and the balance is currently at £8506.82 (£9000 originally over 5 years). I haven't got PPI on it as Natwest weren't offering the service at the time, and going through threads on here I'm pretty relieved I haven't got it with them to be honest. I would like some sort of PPI though, just…
Cancelling car insurance
I crashed my car into the back of someone about a week before christmas, and managed to do enough damage to my car (the other car was fine- it was a 4x4 and I hit their bloody tow bar) to call it a write off. The other woman has claimed on my policy, and as I am moving to London in a month and so will not need another car…
home insurance - claim goin on for 3 YEARS...HELP!
need advice on a very long standing matter.... We had a flood in our kitchen on the ground floor and the next room to the kitchen is a bath room. This happened THREE years ago, the insurers (Halifax) delegated the claim to their outsourced teams. The builders have been in and out over this period, semi-completed the…
pmi - national friendly
hi Im thinking of making the switch from BUPA to National Friendly. Does anyone here use National Friendly and do they recommend it? Is it a good level of cover? £30,000 for 10 years? many thanks p.s any advice on how to get a discount or any special offer when taking out a new cover with National Friendly?
Plasma TV Breakdown Insurance
Can someone give me some websites/companies i can contact regarding extending the cover on my Plasma TV which runs out in Jan. I have read a thread about the sale of goods act covering electrical goods for 5/6 years but i really cannot see my local Euronics shop coming out to repair my tv if i quote this to them over the…
Tesco Insurance want proof of Food
My fridge Freezer broke about a week ago, it is only 13 months old so samsung are repairing it under warrenty. I rang Tesco the day after we found out that the freezer was not working, told to say how much was in the fridge in value, i did not know as it was full. I wrote a list out and priced it all up and it came to…
CAT C - D Car insurance
hi, can any1 give me any light on what this means, i am looking to buy a car with cat c damage. What doesn't the insurance cover and do they insure the car? thanks
Life insurance
Hi there Am thinking of looking for some new life insurance. Took out our policy on a level cover basis 5 years ago but I think we are paying quite a lot it is £47 per month with Legal & General and covers terminal illness disability etc Partner has a death in service benefit and pension and is an NHS nurse, he is 33…

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