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Is this reduction of no claims bonus following accidents right?
My partner was insured with Direct Line for many years, and had policy history as follows. At no point did he have no claims bonus protection: 2010 renewal: 7 years ncb 2010 fault accident 2011 renewal: 3 years ncb 2012 renewal: 4 years ncb 2012 one fault accident and one not-at-fault accident (other driver accepted full…
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Critical Illness Advice Needed Desperately :(
Help/ advice needed desperately...... Me and my husband currently have a mortgage with Halifax and on that mortgage we took out Life Insurance & Critical Illness which we have been paying this since we took the mortgage out 5 years ago. In January my husband was diagnosed with skin cancer (Malignant Melanoma) and has so…
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Long term travel insurance
Hi everyone, I need some help! I am flying to Australia in September for a working holiday, my plan is to complete the 3 month harvest work during the 12 month visa I have got to be eligible for a 2nd year visa. This however creates a problem with travel insurance as 2 year policies are hard to find, 18 month are more…
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Car insurance after a claim
I have recently renewed my car insurance (1/5/13) and paid it in full. on the 14/5/13 a van crashed into the back of my car and its almost certainly a write off. My question is if I do not buy another car will I be entitled to the rest of the years premium back? Will there be any implications for doing this? Such as…
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Hit and Run by Horse and Cart. What happens now?
Hi, ok so here is the situation: I was driving down a narrow road (where only one car can pass at a time; there is no give way signs). As I turn the corner, I notice two rag-and-bone men in a horse and cart coming towards me. So I stop. I'm about to reverse up the road but the men keep coming. I watch one of them open his…
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Declined Life Cover
Hi, new to this site so apologies if this is a repeat post or is posted in the wrong place. I'm 43 yr old male who has been declined life cover assurance for medical history reasons. I still have 18 years left to run on my mortgage. I have a wife and two sons that I do not wish to leave saddled with my debts should the…
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Backpacker Travel Insurance
Hi All, Hope everyone is well on this wonderful spring day (raining!)... I've spent most, actually all of today trying to find a suitable 'backpacker' travel insurance policy that covers the following: - Cancellation of £3000pp - Covers Trekking of over 4000m - Covers Skydiving - At least £5m medical cover & repatriation -…
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Age 65 - Life Cover??
Does anyone know of a British company who would quote for life cover for an English male aged 65, who lives in France, and only has a French bank account? It seems that most French companies will only quote up to age 64, and, anyway, it's unlike life cover as we know it. Many thanks for your help.
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USA citizens and nhs
Are American citizens entitled to use our NHs or do they have to be covered by personal insurance on holiday TIA XXXXX
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car insurance problem with named driver
Hello, I am soon to buy my first car. I was planning on putting my girlfriend who I live with as a named driver to reduce the cost by 300 quid. Problem is about a year ago she was in a car crash, it was not her fault as someone drove into her. She claimed off the other persons insurance as they admitted fault. Their…
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car insurance claims..... i need help on 2 counts!!!
firstly, my partners car (which im a named driver on) was hit by a local authority van whilst the car was parked outside. the driver drove off. we have an independent witness, but no reg number or other proofs. the claim was made, car is currently in being repaired, but we have been advised that the insurers will no longer…
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Travel Insurance
Hello All i was wondering if anybody could help? I was online today looking for the best travel insurance for my honeymoon departing on the 6th August 2013. The holiday has ATOL protection so i'm happy with thinking that if anything happened whilst we were there we'd be ok and obviously your travel insurance covers you for…
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Travel Insurance: Avoid Insure & Go
I purchased travel insurance from Insure and Go with a 90 day policy to cover winter sports. I was injured after 3 weeks and had x rays etc., and was prescribed 10 sessions of physio. I paid for 2 and then spent weeks providing copies and jumping through hoops (based in a ski resort with limited access to printers and…
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Car Insurance Counterclaim
Hi, My car was hit by another car on a roundabout the other day as they tried to switch lanes a the last minute...I maintained full lane discipline and she apologised at the time. After reporting it to my insurance, they have come back to me to say that the other party is making a counterclaim that I was the one who…
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Building insurance - roof with asbestos cement sheets
I am trying to obtain a building insurance quote to purchase a property (built 1965) where the roof has asbestos cement sheeting. Majority of all insurance companies ask if the roof is made of slate, tile or concrete. When I select 'No' and complete the rest of the form, the company is unable to provide a quote. Are you…
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Endsleigh Home Insurance. You've been warned.
A little over a month ago our ceiling collapsed in the breakfast room. Long story short, our shower needed replacing and our ceiling, bathroom floor and some tiles also. We asked them, and were reassured, that it could be as soon as possible as my dad was a week away from a hip-replacement. We were told that it would be…
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Car insurance claim MIB
Just received a letter from the Motor Insurance Bureau about an accident my old car was apparently involved in a week after I sold it to a trader. The incident was two years ago. The car was most likely uninsured at the time but my name has been associated with the registration and the MIB have written to me asking to…
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Double glazed seal units
The doubled glazed sealed units on my windows now have moisture between the two panes of glass. They were installed approx 7 years ago but the previous owner has died and a neighbour says the installer has now gone bust. Would this be covered by group insurance for the block of flats ? Apparently, each individual paid for…
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Tried to sort it out the nice way, but maybe now it's time to get messy?
Evening Was involved in a minor scrape last week (see pictures below) - mine is the blue car. Exchanged details with the driver of the white car and asked her to get a quote to get the scrape fixed. She has come back with £275 (and the name of the repair place). This strikes me as a little excessive, especially as she was…
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Confused.Com - Driver Awareness Course - DECLARE
Any monitors on here should please make sure MSE knows about this as this is recommended on MSE website as a route to get Insurance! All confused.com quotes beware, you must declare your DAC see letter below to confused.com to which I eagerly await a reply! Dear Sirs Declaration of Motoring Offences - Driver Awareness…
