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Flagship Insurance
I've just moved into a new flat run by flagship housing. They recommend a insurance run by, Royal & sun Alliance Insurance. They do simple and simple +. Does anyone have any knowledge of this insurance and if it's any good. Also can someone clarify this line of the insurance. "Tenants liability -Up to 20% of the sum…
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House extension - insurance cover
We are planning on getting a single story extension built on the back of our house. Currently we are waiting for building regs approval. As part of the plans for the extension we were told by the architect that if the foundations for the extension are deeper than the house foundations (which most likely they will need to…
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AIG Direct Home insurance - Read if you have/had this
Hi All, I've had a rather nasty experience with AIG home insurance. The policy didn't autorenew like it was supposed to. I received absolutely no contact from them about it and was blissfully unaware that my house was no longer insured. It's only because of a burst pipe in January that I gave them a call to discover this.…
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Declaring past claims?
Hi there, I am looking to take out contents insurance, which I have never done before. I have however had my camera insured separately for several years, and have claimed on this in the last 2. Should I declare this when applying for contents insurance? They typically specify something like "Have you or anyone living with…
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MPPI Questions
Just looking to buy our first home and have some questions The recommended companies to look at on this site seem to only ask for single person details, does that mean myself and my wife have to do separate policies or is there anywhere that does joint? Also, if I have to do a single policy, should the mortgage repayment…
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Home insurance with non-standard roof
I wonder if anyone has any suggestions for decent insurers who will consider non-standard roof construction - in this case cedar shingles? I have been insured with Direct Line for the last two years but on reviewing my renewal notice I found that it had the Yes box ticked for standard roof. I don't know whether this is…
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Claims within last 3 years? Direct Line
Hi, I recently took out a Car policy with direct line. In which they ask for claims within last 3 years. I have made 3 claims since Jan 2010. On taking out this new policy in May i have included 2 claims in last 3 years as one of the claims happened in April 2010. i would like to know if the last 3 years count from date of…
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Proof of ownership - travel insurance
I'm off on Holiday for 3 weeks with the freebie Nationwide Europeaninsurance. I am borrowing my brother's camera, which was worth £300 new, butnow worth about £100, and my old laptop, which is now worth about £100, or youcould buy a new equivalent for £250. Will the £400 valuables Limits be enough?Also proof of ownership…
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cancelling car insurance
Hi there, I cancelled my car insurance with Admiral within the 14 days and paid my cancellation fee of £22.50. Should I receive a refund for the first installment I made on taking up the policy? Cheers
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Engagement ring insurance
Hello I recently received an engagement ring from Blue Nile and want to insure it before I wear it out of the house (as we have home insurance but not personal belongings cover)! My appraisal provides the retail replacement value but then goes on to state on the reverse that, 'No taxes have been incorporated into the…
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Insurers won't pay full indemnity
Wife's car got bashed. Car was a gift from a friend back in 2009. Insurers won't pay full indemnity because they say she should have known car was a CAT C write-off (only we never knew until they told us so. They also want to apply an additional premium charge because of this, and deduct amount before any payment. Should…
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3 months contents insurance cover
My home contents insurance policy is due for renewal soon. I have been offered an additional 12 months cover. I am moving abroad in 3 months so it isn't really worth getting a policy for 12 months. Is anyone aware of a company who will offer a shorted insurance period even if it comes at a small monthly premium over a…
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Van Insurance and points
Hi I wonder if anyone can advise me. My boyfriend has just purchased a van for his self employed business and is struggling to get reasonable insurance as he has 10 points on his licence. A few of these are due to come off this year. Not that it makes a difference to the insurers but he has learned his lesson and drives…
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Car Insurance - company wants full years payment for a car that no longer exists!
Hi, I am posting to get some advice for an 18 year old family member. He got a car in December 12, took out car insurance and signed up to pay it by monthly direct debit. In February 13, he had an accident, slipping on black ice. Car got scrapped and he advised insurance company of this. He did not claim on this insurance…
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Travel insurance company being unreasonable? Please help
Hi there, I recently submitted a claim to my travel insurance company regarding my passport that was damaged in a bar. However, I am still outside the UK so applying for a new passport is almost double the cost than it is applying from the UK. Upon submitting my claim, my travel insurance company demanded that I showed…
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Reopening a settled house insurance claim
A few months back a pipe in my house which is rented out started to leak and brought down the dining room ceiling. The pipe was repaired and the ceiling replaced. The insurance company settled the claim. Six months on there is a problem with the electrics in the house and the electrician that was called out seems to think…
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About time it happened
About time the claim brigade lost http://www.belfasttelegraph.co.uk/news/local-national/northern-ireland/pensioner-who-fell-down-odyssey-steps-at-lionel-ritchie-gig-loses-court-battle-29344842.html Go on flame me for it . But what the judge said is true
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Insurance company reneging on premium quote
Hi, if anyone could advise on this I would greatly appreciate it. I was quoted a premium for pet insurance at £12 per month. I accepted this and all the details were confirmed to me by email. The policy started over 2 weeks ago and the first direct debit has been taken. Today I have been phoned by the insurance company who…
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Non-fault claim increasing my premium
Over 3 years ago I parked my car and while I was away some drove into it.Luckily they left their details and their insurance company settled the claim. I have been shopping around for my insurance online and was asked if I have made a claim( fault or otherwise) in the last 5 years. I adv yes got a quote, then decided to…
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Whiplash for un-insured drivers?
Hi All Scenario: Friends front portion of the car has a collision with the rear end of an un-insured drivers car. Friend is insured. Friends car incurs significant damage and the car in front incurs minimal damage. 1) Can the uni-insured driver and the passengers in his car claim for whiplash from my friends car insurance…
