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"Multi Car" Policies & NCDs...???
The wife & i used to have a multi car policy, but we found that as i was the main policy holder, i was racking up NCDs, whereas she was racking up only Admiral NCDs - only to be used within Admiral. We figured if Admiral went bust or if we wanted to move for whatever reason, then that'd be a bad move for her - she'd be…
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Insurance Not Paying Out Full Amount...
At the beginning of September a driver managed to drive her car up our 20 metre long drive straight into our garage wall damaging the door (which will no longer open) the garden wall next to it and the side wall of the garage. The lady admitted full responsibility for the damage (as she should) and gave us her insurance…
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How to word complaint letter to bank CI insurance?
I tried claiming on our joint CI insurance when my husband was diagnosed with cancer. The claim was turned down, and to be honest I was too much in a tizz with everything at the time to really question it much. Today (a year later) we had a meeting with an IFA about some pension and annuity questions, and as part of this I…
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making more than one complaint to the FOS
Could someone tell me please if you can make more than one complaint to the FOS about the same company? I had a long running complaint with Aviva about matching items cover on my insurance claim. Two years after the initial claim was put in I was still only at the stage of the case being prepared for an adjudicator. As…
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Motorbike insurance for self employed
Hi all Newbie here, first post. I've checked out the forum with a search, read the 'sticky' for this area. I'm getting a first bike for work, and the quotes look like they might not be too friendly to the self employed! As a fairly 'mature' rider and unlikely racer, I'm hoping for a decent quote, but self employment might…
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How to find out car insurance quotes without actually owning the vehicle
My son who is 24 has had a full licence for 4 years but has not got a car yet. He uses mine to travel too and from work but he feels he now wants to get his own car. How can he find out which vehicles he can afford to insure. Will the fact that he has been on my insurance for 4 years get him any discount?
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Inheritance Tax planning
Hi all I need to do some inheritance tax planning, but because my estate is tied up in the property I live in, insurance payable on our death, to remove the IT liability to the family seems the best way. As am 63 NB, have found the Scottish Provident Pegasus Wealth Preservation Plan, whole life. This give 400K on death of…
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insurance when hiring a car
We don't need a car that much so just rent one when we need to. That saves us quite a bit but we're keen to see if we can save even more. We always take the car hire insurance to bring the excess down as much as possible, to zero if we can. This is because years ago someone hit the car when it was parked and we had a large…
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Household contents insurance
Is it possible to make a household insurance claim on items damaged by flood but which do not belong to the policy holder or anyone living in the property (items being stored for a third party)? Many thanks
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Buildings Insurance
Is Insure4retirement.co.uk a satisfactory company to Insure with?
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What is average increase in home and contents insurance?
My home and contents insurance with Barclays for my two-bedroomed Victorian terrace house in Cambridge has inceased from £196 last year to £259 this year. Is this increase above the average for this year? Many thanks, Laurence
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car insurance-car value
ok i dive a 98 nissan almera and have 4yr no claims but am getting high quotes when i try and insure this with a value less than £600, i know that if the car was to be written of i would only get market value(100-200 if im lucky) where do you stand on valuing your car? (i have done alot of work on it/ this year prob about…
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Giving your info to comparison sites
Might this result in junk mail, unwelcome phone calls? Thanks. Laurence
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home insurance mishap
hi, i was puzzled when i received a letter stating that my insurance was incorrect and would therefore be cancelled. i thought that i had done well doing it online and saving myself about £67 on my policy. i of course rand them up and found out the reason for it, now its costing me more. apparently because i rang up last…
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Home Insurance grrr!!
Good Morning I have had my buildings and contents insurance with, what is now Santander, ever since we took out our mortgage 26 years ago! As my engagement ring exceeded £1,000 I specified it for £2,000 (price paid then), for which I pay extra each month. Unfortunately, whilst on our summer holiday this year I had my ring…
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Time limit on Buildings Insurance?
We had water damage to our kitchen ceiling (top floor flat) as a result of rain water penetrating the roof. This happened several times over a number of years, each time the factor would patch up the roof, but sooner or later more water would come dripping through the ceiling Last year, a new roof was installed, and no…
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Car Insurance no Claims
Hi, I passed my driving test last year, and bought a car in December 2011 and insured it. I would like to change my car, which will entail me getting new insurance. Can I use any no claims bonus with it being less than a year? Or should I try to alter my current insurance?
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Car Insurance claims
Keep either a camera or have your camera phone with you and use it always. (Unless your afraid it will get taken). I have just spent the last five years fighting my incompetent Insurance Company and had my complaint upheld by the f.o.s. Although I could not have avoided this with a camera, it would have halved my paperwork…
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Diamond car insurance...
My car insurance reached renewal so I did my usual shopping around, I was previously with admiral but the cheapest I found was diamond. After quoting my reference to diamond and being transferred a few times I finally reached someone to set up the policy for me, I was completely shocked that all she went through was my…
