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Roof claim refused - surveyor blame Maintenance ???
We have insurance with Sheeilas Wheels / Esure. We made a claim few weeks ago after very windy day and by which few bonnet tiles has been blown off from the roof. Never had problem with it before. Basically Esure instructed Imperial Consultants to estimate and asses repair. Today young man came, without waiting for us to…
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Cancel Life Insurance
I have a small life insurance policy - premium of about £8. I wish to cancel it as I have separated from my wife. I have informed Royal London in writing and cancelled my direct debit. They have now sent me an authorisation to sign. It also asks for the trustee to sign. This is my wife and she will certainly refuse to pay.…
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Anyone got any experience of KwikFit car insurance?
KwikFit have shown up as by far the cheapest on Gocompare (incidentally, why doesn't Martin's guide to comparing car insurance mention Gocompare?). They come out at £165. The second company is over £200 and the rest are £200 - £260, with my current company (Swiftcover) asking £293 for renewal. I haggled today with…
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Automatic insurance renewal - legalities?
Unfortunately my mother passed away in August. Upon inspection of her post it would appear that Saga home insurance have automatically collected home insurance renewal at an outrageous price (double what I can get it for elsewhere). As far as I can tell all they have done is sent her a letter saying 'thanks for using us…
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Do I need to be a leaseholder or Freeholder to take out home insurance?
My mother passed away recently. Her property will be passing to me over the next month, freehold and leasehold. It is currently insured by Saga. The cheeky gits auto renewed her home insurance a few days before she died so the house is insured but the insurance costs about twice the quotes I can find on the web. Can I 1.)…
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Contents Insurance - Cancellation charge
Hi everyone, I wondered if somebody could possibly offer me some advice. A few weeks ago I took out a new contents insurance policy online from a company called Budget, and gave them my bank details to pay the full year in one go. The following week I got a letter saying there was a problem processing payment from my bank…
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Car Insurance not paying out for a Fire
I noticed what a thought was a oil leak (car left oilly spots on the road under the engine bay) So I took it to the garage & left it for repair. When the chap in the garage moved the vehicle, it went on fire (a small fire in the engine bay) -"Thankfully" due to his quick reactions he managed to put the fire out so it did…
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What is the best health insurance out there?
Hey Ho. How is everyone? SO I am looking for new health insurance and was wondering if anybody knew which maybe the best or recommended health Insurance out there. I go to gym 5 times a week and am fairly fit. Cheers
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Gadget Insurance Cover
Hi all, I hope you can help. I am looking to insure the following of my gadgets. * DSLR CAMERA * HD Pocket CAMERA * MACBOOK AIR 13 * EBOOK READER * maybe other items but mainly the above 4 My phone is covered through Halifax bank. I am going abroad and i also want to cover these items in th eUK as i carry them with me a…
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Discounted winter sports Insurance for wearing a helmet
Have seen a fair bit on snowboarding/ski forums and in the papers about this over the last few days, was surprised to not see it here, what do people think? Looks like a sensible initiative to me - if they can discount their insurance based on the fact that people are less likely to claim by wearing a helmet, and I wear a…
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Pet Insurance issue - They're refusing to pay
Hi, Hoping someone can help. We've had a cat for over 3 years, and when we bought him, he was insured with Pet Plan. We kept that policy going for the next years. Then this June, we bought a new kitten, also pre-insured from Pet Plan. When they wrote to us to advise the free insurance for the kitten was ending, my wife…
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Classic car insurance and no claims bonus
Hi I have a daily runabout car and an occasional use little sports car. Both have been owned by me for over 10 years. My problem is making sure I don't lose my full no claims bonus on the sports car. Classic insurance is available much more cheaply than standard insurance at around half the price. As well as being cheaper,…
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Insurance for watch and camera (expensive)
Hello guys, Basically I'm looking for an insurance that covers me against lost or theft of my watch (5.7k) and camera equipment(3k in average) when I am out... I was wondering how much would it cost me to insurance about 8k-9k worth of personal belongings and if anyone knows who would be the best option for this. Would I…
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Mini windscreen replacement
I need some advice! My mum has a mini one convertible and the back windscreen broke today (we don't know how), but to fix it the whole roof needs replacing. Her insurance excess is 75 for a replacement windscreen but 250 if not. Should she be expecting to pay just the 75 quid as technically its only the windscreen that is…
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What sort of insurance do we need?
I'm supporting son through his separation and impending divorce. The ex is staying in the house with the 2 children, he is renting. He doesn't earn a huge amount and they have agreed he will pay the equivalent of the CSA calculation maintenance for the children monthly. It's been suggested that he takes out insurance so…
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Detached Bungalow - Help!
Hi folks I've just cancelled my Direct Line home+contents for 70/month. I asked the rep to reduce my £1M cover and he said he couldn't, that was standard for a detached bungalow. I don't even need half of that. Anyone had similar treatment? Who should I switch to? Thanks in advance.
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How to calculate flat roof percentage?
When an insurer asks what percentage of a roof is flat, should the area of the sloping (tiled) part of the roof be measured up the slope or taken as the cross-sectional are of the house covered by sloping roof? The former would of course make the flat roof smaller as a percentage of the total.
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Art Works - insurance
Hi, I have contents insurance through my landlord (a local council) which is good value and covers £30K max with single item max value of £1000. I have been given 2 pieces of art which to buy would cost £15K min. I have no idea how to get these insured or who with, most mainstream insurers will not insure me at all for…
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Reclaiming double-paid home insurance
A few years ago we switched our home insurance policy to a landlord's insurance policy as we has moved out of the house in question and were letting it out. I began paying that policy on a monthly basis but was unaware that the insurer (it was the same one for both policies) has kept taking the premiums for the old policy…
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Home Contents Insurance help
Can someone please explain this to me in English ...... It's regarding home contents I don't get it "where the sum insured represents less than 60% of the value at risk we will obtain a full statement to establish how this has arisen. We may choose to reject the claim and regard your policy as invalid" I have home contents…
