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Claiming for uncancelled life assurance
During a review at our high-street bank/building society, it emerged we had 2 life assurance policies for our mortgage. One should have been cancelled after a previous visit when they set up a new one due to a change in mortgage type. The financial adviser admitted his colleague should have done this and asked us to come…
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Craft Maker/Seller Product and Public Liability Insurance
Hi, My partner has started an arts and crafts business, making and selling handmade goods through third party shops and markets as well as by email order. She has been advised to take out both product and public liability insurance but is finding the process of sourcing this very laborious. Either a website will only seem…
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Travel Insurance - Family or Individual Cover
Hi, I am looking at getting family (2 + 2) annual Worldwide travel insurance for an upcoming family trip to Dubai. I am also having a few days in Prague this month with friends (without the family). Would my family travel insurance cover me if I am away without the family? Or would I need to get individual cover insurance…
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Car insurance - negligent 3rd party
A motorbike parked on the pavement next to my car in work's car park. The bike was covered with a protector and the wind blew the bike over into my car causing serous damage. The security at the car park have CCTV footage of the incident which I offered to my insurer so they could pursue a claim against the owner of the…
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Tesco car insurance "con"
I have just done an on line car insurance quote with Tesco having heard you get a £50 tesco gift card upon taking out insurance with them. Having done the 1st quote through Tesco compare i then came upon the small print that the £50 gift card offer does not apply via the tescocompare.com site,its only avaiable through its…
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Car insurance - trustworthy companies?
Hi there, apologies if this has been asked many times before. Insurance renews 4th October and looking for quotes now. Never had fully comp before but looks to be a similar price to my usual TPF&T. Been though the steps as directed in MSE article and have some prices as follows- Swift Insurance (cheapest but really bad…
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HSBC mortgage with LifeChoice
We recently took out an HSBC mortgage for a property and along with it the LifeChoice/TraumaChoice insurance. our property contract has exchanged and waiting for the completion day (early next month). My question is , can I cancel the LifeChoice/TraumaChoice insurance, (as I read the T&C and find out it is very limited and…
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Close Premium Finance - RENEW
Has anybody else had any dealings with this company? I have never heard of them nor had any dealings with them and suddenly in August and September I have a direct debit set up on my accounts and £45.71 removed! I rang my bank and they immediately cancelled the d/d and arranged for repayment and are investigating but would…
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Seeking best travel insurance, that will cover costs of medical and dental expenses
Hi all, I spend a lot of time (50%) abroad working and, as I'm getting older (34) the likelihood that something could go wrong is dawning on me. Could someone please recommend a policy/provider who will offer good annual travel insurance, especially covering medical and dental expenses. Things like loss of baggage and…
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Home building insurance Freehold flat?
I have lived in this flat for 14 years It is for the over 55's and there are 42 apartments We have a part time manager and Goldsborough are our managing Agent. The Freehold for the properties is another Company. During the years I have lived here there has been a continous problem with water coming from the roof. I have 5…
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New driver claim on insurance
A 30 year old driver who has been driving for less than a year is at fault in a minor collision, and a claim is made against them. How much, roughly, would you expect this to affect the 30 year old driver's premium upon renewal? (Their premium was previously £1000 per year).
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returning from travelling - car insurance
Me and my partner are returning to the UK after 5 months of travelling. When we return and come to insure the car, we are a little unsure as what to do, we will both be unemployed (we gave up our jobs to go travelling) but expect to be back in work within 2 - 4 weeks. When applying for insurance do we have to say…
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Dentists costs nhs and denplan
I have been reading about Denplan and wondered if was worth me joining this or not? Currently I have treatment under NHS bands and wondered if would be more cost effective for me if I joined Denplan, I take it Denplan only covers private costs treatment and not NHS costs of treatment? Maybe some one can give me more…
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Can I or not claim on House Ins.
I have a Steel lintel over a window on the weather side of the house which is badly rusting and the rust is exploding lifting 5 courses of brickwork and may well be letting water into the cavity. The lintel is either a hot rolled channel or a hot rolled angle which has no drip lip etc.. I've noticed one or two other houses…
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First Car Insurance
Hi, I've been looking for a my first car for a few months now for when I turn 17 (next June). My preference is a classic car, maybe a hatchback or SUV but I'm not sure about cars which are cheap to buy but are reliable and also cheap to insure... Cars I have in mind: Original mini or original mini clubman, Peugeot 205,…
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buildings insurance
could anyone explain to me what 'escape of water' means on my buildings insurance? please excuse my ignorance
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Missed trip insurance
I was delayed due to a signal failure on the train a couple of weeks ago resulting in me arriving at the airport too late to catch a flight from Southampton to Manchester. The cost of changing the flight to the following morning plus overnight accommodation would not be covered on my flight insurance as there was no issue…
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Someone drove through our Privet hegde...
Hi guys, was looking for a little advice if anyone has been through anything similar. On Saturday a car drove through our 7/8 ft high, 2 foot wide privet and we now have a huge fiesta shared hole and our gate has been knocked down and broken, and its concrete pillars knocked down. One of the reasons we bought the house was…
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Saga Car Insurance Price Guarantee
I have received my car insurance renewal from Saga. I like some of their extras so I want to stay with them. For the last 3 years they have sent a "price guarantee" leaflet with their renewal form and I have used this with success. This year they have not sent one and neither can I find a copy of same if I google it. Does…
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Broken collar bone travel insurance
Hey guys, I've been planning a holiday to USA/Canada, 17 days of spending a few nights in the big east coast cities. But a few days ago I came off my bike and broke my collar bone. I still haven't got travel insurance but I go away tomorrow, so need to arrange it today! I guess I can't just do it online now due to having…
