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Statins
I have in the process of buying holiday cover and was asked has my doctor advised taking statins, I said no which is strictly true. My query is with the word advised. I have had a discussion with my doctor regarding statins but he did not ask me to take them and agreed to review it again next year (its 4.9). Could the…
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iPhone - smartphone insurance
Just bought a replacement iPhone 4s for my daughter from Ebay. I have discovered that it is impossible to get it insured. I have tried numerous insurers. Some state quite clearly that they will not cover phones bought from 'auction' sites, or that phones must have a valid proof of purchase from a VAT registered…
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Car insurance question
My eldest has been getting car insurance quotes and they were coming up pretty reasonable but when we have gone back through to check everything is correctly stated we got to the bit where it asks for modifications, the car in question is going to have a new cd player put in (from eldest's old car) so I am assuming this is…
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Not at fault motoring accident, but the claim has been put "on hold"
Hi all, 1. Not at fault, and there is a clearly identifiable 3rd party. 2. The firm that handles claims on behalf of my insurance have cancelled repairs and the hire car on the day the garage was due to collect the vehicle and the hire car was supposed to arrive for reasons they cannot disclose. I have lost time off work.…
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Whats the right thing to do?
So a lady reversed into my car this morning, clipping it to be fair, I got out of my car and asked her did she not see me behind her, she admitted she hadn't. I had a quick look couldnt see anything but then one of the mums (rather aggressively) asked us to get out of the way so they could get in and out (fair enough)…
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Change to insurance 'rule of thumb' re rear ending someone?
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Paying insurance yearly - what happens if you buy a new car??
This might be a silly Q but Im being quote £690 yearly or £980 monthly for my insurance. It seems the most sensible option would be to pay it all on credit card and pay it off monthly from that. But im thinking of buying a new car in about 6/8 months so how does this work for my new car? will the insurance company just…
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does my additional driver have to live at the same address?
I have been an additional driver on my bf's car but now we have split and im moving into my own flat with my own car. I have been getting quotes on gocompare, I have been driving for just over a year but i dont have a no claims bonus - I read that if you add an older driver it can bring your car insurance down so Im…
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Is This Allowed?
I have Redundancy Cover, if I take it out, in 3 months I get made redundant. Claim. Then decide actually I am going to be a student. Do I get the full 12 months cover (approx. £1500 per month) How do the insurance company assess your case and make payments? Whats the minimum amount of time I need to pay for cover it until…
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Level Cover vs Decreasing Cover
I'm looking at getting life insurance and I'm confused about level cover as opposed to decreasing cover. For example I can get a joint level cover for £300k over 20 years for £20 a month. I can also get decreasing cover for an initial £500k over 20 years for £20 a month. Are you obliged to continue paying for the policy…
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Car insurance renewal approx NCB discount?
Hello, It's time for me to renew my car insurance next week. About me: Age: 32 Gender: Male Been driving for one year so will have 1 year NCB. New driver insurance cost: £950 Rough average for this years quotes (through comparison sites etc): £925 I'm happy with the details I've put into comparison websites and have tried…
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Motor Insurance 'declined' by Hastings Direct
Hi there, I received a quote for car insurance through a price comparison website from Hastings Direct. I called them up to purchase the quote, however was told that I had failed a driver check and they were unable to insure me. Does this mean I have been declined insurance or they are just unable to insure me (possibly…
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Claim on my buildings and contents insurance - do I have two lots of excess to pay?
Hi, Our toilet had a nasty leak last week and has caused damage to our lounge ceiling and also our carpet in our bedroom. The carpet, will be a claim against contents, the ceiling against our buildings. The excess on the policy is £350, I'm guessing each policy is separate, so does that mean £700? Any help, appreciated!…
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no claims bonus lost for just reporting it?
my mum has done a very bad scrape/dent on her car and damaged a friends garden fence when she lost control of the car a bit when entering the drive. she reported the damage to the car insurance company, but clearly said that she is just reporting it 'in case' she needs to claim but will be seeing her trusted mechanic, who…
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car accident compensation claim + then future accident related to first?
Long story short I had a car accident, car hit me and wrote off my car within a second. I was lucky to still be alive, back problems and sciatic nerve issues and was just about to finish my final treatment of physiotherapy. the other car driver admitted full liability and I will be claiming injury compensation (say what u…
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increase our level term assurance or new life policy?
Hi, We have a level term policy each which we have had for 3 years as we have children. We have just brought a house. Should we take out a new joint mortgage life assurance policy or just increase our two existing level term policies? Thanks
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Maxmium number of additional drivers?
Hi, I have two additional drivers and was hoping to put my son on my policy as well but Sheila's Wheels say they only allow two additional drivers. My policy is due for renewal end of March. Does anyone know, is two additional drivers an industry standard or are there any companies anyone knows of who insures main driver…
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Cancelling insurance after a 3rd party claim
Hi, I had my car written off a few weeks ago, the other driver's insurance admitted liability & I received the money to buy another. My insurance company handled the claim. I had been insured by them for a little over 2 weeks. I was paying the premiums monthly, with a £50 deposit & £26 paid 14 days into the policy. Went…
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Lanlords Buildings Insurance - Leasehold ???
Hi All I own a property which consists of two self contained flats, both are occupied. It is a leasehold property and i am liable for the buildings Insurance which i have to show the the Freeholder. The freeholder has also had some quotes which are triple what i can get on a comparison site specializing in Landlords…
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Income protection - can we apply elsewhere?
Hi, Ive recently been refused income protection by Aviva. I was told its now virtually impossible to apply elsewhere as you have to declare on application you have been turned down,? Is this correct in all cases? Thanks
