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Fiancee lost her Ring, waiting for call from Cotswald, who are these?
To cut a long story short my fiancee lost her ring during a outing with the children. After numerous day searching the area we had no luck. Anyhow decided to call Virgin today who were pleasant who transferred the call to our insurer. After a friendly call explaining the circumstances we were told "Coltswald" (?) would…
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Lloyds TSB / Lifestyle Insurance - changes to policy. Where do I stand?
Hi Having trouble with making a claim on my insurance and would really appreciate some advice if possible please. I just tried to make a claim online for a phone that I dropped and smashed. I was told that the excess would be £100. I remember getting a letter off them recently saying it would increase to this after…
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Car insurance - disclosure
Hi all, Recently had a neighbours car roll back into the side of mine. No people involved, the handbrake failed! Their business insurance is meeting the full costs of the body work (replacement rear panel). Got the car back as good as new - great paint job on it. 3 questions: 1. As it has been fully & professionally…
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Home insurance legal cover
Hi all, I have home buildings insurance which came with free legal cover. Both from the pru. I've had a buildings claim dismissed (before even being able to submit the claim form). I'm contesting the working (or lack of it) around "trace and access". The pru insurance have already said their response is final and they will…
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Direct Line not accepting Swiftcover Proof of No Claims discount
Direct Line gave me a very competitive quote which I went for. It was much better than the renewal quote with Swiftcover. (I change insurer every year to get the best deal) I received the policy documents in the post and was asked to send them proof of no claims discount. Swiftcover is an online only company and all their…
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Holiday Insurance
I booked my holiday with Thomson today. And since this is was done over the phone i asked the sales assistant to clearly tell me exactley each item would cost. He said that x amount for flight, x amount for hotel and ax amount for tranfer. But got an e-mail from him and i have noticed that he has added insurance to it…
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Crashed my car but my renewal quote is cheaper than last year
The renewal notice I received from Churchill has a 2 years no claims discount on it. However, I had a crash this summer, which was my fault and I reported it to Churchill. Pretty sure I don't have any no claims discount protection either. Should I keep quiet, or should I fess up and pay up?
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travel insurance claim
Hi - long story short While travelling on an overnight bus in Argentina I had some valuables stolen from my bag which was in the luggage compartment. The bag was LOCKED but there is evidence that the zip was busted open and then closed up again (see you tube for videos on how its done) Now just scanning my insurance policy…
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Life Assurance - Help!
Hello everyone. My mother-in-law recently passed away and we discovered that she had a policy with Phoenix. The policy was taken out in the mid 80s (with a different company, now taken over by Phoenix). The premium was around £12/month and she took it out at around the age of 67. The value of this policy is around £1900. I…
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Ring insurance
Hi I need to buy travel insurance for an engagement ring when I go abroad soon, however of the insurance companies I have looked into, they only cover a single item value up to £500. I am sure there must be policies around which would cover a value greater than this, or is there is a specialist 'ring insurer' (as with…
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Car insurance nightmare
Market value policy vs fixed value policy. Ok so everyone n here has been super helfpful before so I want to ask for some more advice. Long story short - car drove into my parked car, total loss , other driver ran off no insurance and now put as a fault claim under my insurance! the insurance company sent me a initial…
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Insurance help!!!
To cut a long story short I canceled our caravan insurance with caravan guard as we no longer had the caravan. The lady on the phone said it was ok and no money owed EXCELLENT! so i canceled the direct debit. Received a letter stating that we owed a 28 pound admin fee i called to say it was all sorted no money owing and…
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A warning about tesco insurance.
with winter ahead and the season for broken pipes and burst mains. just wanted to give you all a bit of advice if you have to make a claim for water damage. After a recent holiday i returned to a water logged house, a pipe leading to the toilet sistern had come loose. there was about a cm of water all over the ground floor…
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Gadget Insurance - Phone/iPad's ???
Can anyone recommend a good gadget insurance company for phones and stuff. i have been reading that protect my bubble are horrible and i dont know of any other places. i dont want to have to use my house insurance for this as if i had to claim it would push the premium up.. Just looking for a company to insure phone and…
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Admin Fee for Change of Address
Hi, This is my first post and I'm not sure if I'm putting it in the right place but I thought the MSE forums would be the best place to ask. I just got off the phone with my car insurance company (Churchill) to let them know I had moved house and to ask when my renewal was due, and the woman I spoke to was very friendly…
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Car insurance refund - extras deducted?
I took out car insurance, and cancelled it 5 days after it started but was still within my 14 day cooling off period but had paid quite a large deposit. After lots of emails back and forth, I have finally received a reply to the complaint I lodged regarding my refund, but they seem to have added on a huge amount in extra…
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RAC car insurance cancellation rip-off!
16 days ago I insured our second car with the RAC. Last week they sent me a letter asking about my No Claims Discount. Apparently, they won't accept NCD if we have it on an existing policy for another car and say the policy is either cancelled or pay £250 more. Because we are 2 days over the 14 day cooling off period they…
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Livid with car insurance company..
Took out insurance for a car we were buying on saturday. Both myself and my partner have no no claims so expected the policy price to be high but got a fee of £709 for a mini cooper which was fine, we purchased the insurance, bought the car and all was well. We then had an email saying the quote had been revised and they…
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Home Insurance - Loss Definition
Hi, My home insurance is due up during the month of November, and I had a question. My wife lost her mobile phone whilst on holiday. I was going to claim it on the travel insurance, but decided not to bother as it turned out they would claim jointly with my home insurance, and that would count as a claim (I checked with…
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who owns car after write off?
After malicious damage overnight, the insurer's designated garage have said the car is not worth repairing so the insurers are writing it off. The car can be repaired and my normal garage will do so fo far less than the value of the car. 1) is it worth sending the insurers a quote from the garage and disputing the write…
