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Having named drivers on policy
My younger brother has just passed his driving test. Being only 17 his potential insurance premium for his own car would be huge. He has asked me if he could be put on my policy on my car as a named driver. However I am worried that if he crashes and a claim is made, then it is a black mark against me and I will end up…
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Home insurance claim
Can any give me a bit of advice? I discovered that water had been going behind bath from shower a few weeks ago. Not sure how long this has been happening but the floor, joists and wall all need replacing. A loss adjustor has visited from my insurance company and made a offer to replace floor, wall, bath and tiles. The…
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Query on Premium Income of UK life insurance
Hello I am woring on academic insurance project, for which I require info on premium income for UK life insurance for past 5 to 6 years. I have been trying to google to get this info, The best I could get is on graph shown on page 11 of this pdf link. abi.org.uk/Publications/58167.pdf But even there, ABI accounts for 90 %…
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AVIVA Car Insurance Cancellation Policy
A cancellation should be straightforward enough but in the case of AVIVA this was not a pleasant experience. I challenged a cancellation fee of £123 as the section explaining Cancellation of Policy stated a fee of no more than £40 would apply for insurance premium tax purposes. The main point to understand in all of this…
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Lost Camera - Can I buy another while claim goes through?
Hi all I've lost my trusty Panasonic TZ7 and have just contacted my insurance company (LV) to make a claim. I need my camera over the next few days and had planned on going and getting another later today. Can I do this or do I have to let the insurance company source one for me - which will obviously take time? Thanks for…
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Optional Extras on Endsleigh TPFT Policy?
Dear Martin and Colleagues, I am currently a first-year university student who is short of funds. I am uncertain, as a first-time driver, as to whether it is necessary to include the following optional extras as part of a third party, fire and theft insurance policy with Endsleigh (or whether I am being sold any…
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Insurance for dogs boarded in my home
I take in dogs when their owners go away and feel sure I should have some sort of insurance but do not know what. Can anyone help please?
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Swinton's board sacked
Interesting to see http://www.insurancetimes.co.uk/swintons-executive-board-sacked-over-share-scheme-alarm/1394120.article that the whole executive board of Swinton being sacked. Wonder if it will make any difference at branch level.
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Constant SORNing / unSORNing?
Hia, My current car insurance expires on Friday. Tomorrow I'm travelling to the US for a week. The car is under a plastic cover on private land off-road. When I return next week, I'll be driving around the UK for Christmas. From 1st January - 1st February I won't need to use it, although it's always handy (but I do have an…
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New insurance just after accident
Hi All, In October I had a small accident, just few scratches on my bumper. Because another driver said actually I was guilty, which is not a true, now my case is in the third party company. 2 months after that accident I sold my car and I cancelled my insurance. Now I have a new car and I have to buy insurance. And now I…
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MSE News: OFT launches car insurance probe amid price hikes
This is the discussion thread for the following MSE News Story: "Fair trading chiefs today launched a study following big rises in premiums in recent years ..." Read the full story: OFT launches car insurance probe amid price hikes
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Total Loss settlement. I need help
I need some help and opinions of anyone who has had to deal with a similar situation. Last week in the heavy snow I had a minor accident in the car involving me and a fence, it was low speed and no injuries or anyone else involved. I've not had any claims for 12 years and got a farmer friend to recover the car from the…
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Contents insurance - Letsure or Direct Line
I have to renew my contents insurance for private rented property but the landlord also asks that the insurance has accidental damage cover. Last time I was with Letsure but I am also looking at Direct Line for my renewal. Letsure have quoted a renewal of £180 and Direct Line £120 but I have not accurately compared the…
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How can I find out my exact status re No Claims etc?
I have had a licence for 13 years and I don't think I have ever made a claim. However I wasn't the named driver for all that time so I know some of those years don't count. In short, I really have no idea exactly how many years of No Claims I have, which is particularly relevant with renewal looming. Is there any central…
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Car insurance cancellation - do I have to pay them?
I have scrapped a car and now planning to buy another. I need to use the NCD (full) from the insurance on the old one, but when I called to cancel the policy they told me that as there was only 2 months to run, the refund would be around £20 as as there is a £50 cancellation fee, I would have to pay them £30.............to…
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Life Assurance Term?
Hello, my gf and I recently bought a house together. We would like to get life assurance but curious as to what length of term we should go for. Our mortgage of £165950 is for 25 years, but that seems a long time to commit an assurance policy to when our circumstances could change, children, new jobs, paying off the…
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Home insurance claims and quotes
Hi, Currently applying for quotes for renewal. Have had a claim for theft away from the home this year, but didn't bother to take the payment, as after excess, it wasn't worth it. Also, 2 years ago, tried to claim for some damage to the drains but it wasn't covered. Do I need to declare both as claims/losses even though…
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Car Insurance Cancelled Without Knowledge
Letter received today (13th) dated 7th December informed me my car insurance had been cancelled. Policy was taken out on the 21st November cost £370+ paid for in one annual payment. Funds were removed from my account so no problems there. Made contact with them and they stated they cancelled it because they had been unable…
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Why are British insurance companies so much more expensive than elsewhere?
In the US its not uncommon for young drivers to drive cars like Mustangs, and big 2-3 litre SUVS. Clearly insurance is not a problem over there. Insurance companies really seem to have this country under the thumb. Sometimes I wonder if it's all some global warming conspiracy to get young drivers out of cars and onto…
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Commercial Property Insurance
I have been told that commercial property insurance premiums have dropped to just one quarter of what they were a year ago. Is there any data available to check this information please?
