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My insurance issue
OK this is controversial My partner committed a crime, before I met him but it will not be unspent ( I won't go into details but no person was physically harmed) He was released from prison 10 years ago I was made aware that I had to let my insurers aware of his conviction, if not my own insurance would be invalid. I was…
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I'm going travelling in Europe for 1 year and need car and health insurance
Hi I'm looking for some advice please. I'm going travelling to France and am struggling to find out if I can, A, insure my car abroad and B, insure my health for more than just 90 days!! It seems very common just to offer up to 90 days on both these products and no more. Surely lots of students go travelling for a year!!…
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Claims arising directly or indirectly
Can you help clarify the standard insurance clause in relation to mild asthma: "cover will not be provided for any claims arising directly or indirectly from any pre-existing medical condition." I have mild asthma. I totally get the "directly" part. I'm I actually get the "indirectly" part as well in general. Specifically…
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Home content insurance
I have home content insurance with AXA insurance company I made a claim recently after my bag was stolen inside the train CCTV showed someone snatched it police are looking for the person I had a laptop inside and adobe after effects cs6 CD program stolen with. Insurance settled all but refused for the adobe CS6 saying it…
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Travel insurance claim
We recently took out insurance for a trip to Costa Rica and unfortunately both suffered quite a serious gastric (etc) episode. On returning we made a claim to our insurers - via Travelclaims Services. Yesterday we got a letter asking for further details as follows. 1. Proof of dates of travel. This was provided on the VJV…
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Bedford insurance cancellation advice
Hello, I have a policy which i paid in full since November last year for my work van, i wanted to add a new driver and change my home address. They quoted me £750 to do this on Saturday morning and said they would cancel the policy as i had now informed them of my new address and it was on their system so i paid up. To add…
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Car insurance renewal - premium credit
Hi, I just wondered if anyone (with bad credit!) had ever had car insurance where premium credit are involved. I am due for renewal, I want to pay monthly and my cheapest quote is from a company who's monthly instalments plan is issued by premium credit. I am asking for advice as I would hate to be accepted, pay deposit…
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Car insurance hike for moving 1 street
My daughter has moved house, just onto the next street. It is the same area, same type of houses, a one way street like the other street was, same on road parking, etc. Her car insurance has increased by £200! :eek: Is there any argument to be made that this rise isn't representative of any real increase in risk? Is there…
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Car insurance admin fees?
Hi, Thanks to this site I managed to find a much cheaper car insurer than my previous one which had automatically renewed (Admiral). I cancelled Admiral and went with Endsleigh (I am currently studying), saving over £200! :j However, when setting up the new insurance, it seems I put an extra year on my no claims discount…
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Car insurance if you've been a named driver?
After years of being a 1 car household, we are now a 2 car household as my husband has a new job where he needs to drive to work. He has been a named driver on our family car. We have 7 years no claims discount. However, obviously now I'm struggling to find insurance for him on his new car as it doesn't seem to count that…
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Insurance & Life Assurance: Important Threads
Hi everyone We've collated sticky threads from the Insurance board into one so you can see the new questions quicker but still be able to see the important threads. Home Insurance Discussion Cheap Car Insurance Discussion Motorbike, scooter, moped insurance discussion Car Insurance Tips & Tricks Forum Healthcare Cashplans…
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Burglary and making a claim
Hi, I was burgled a few days ago while attending my mums memorial sadly so may not be thinking straight at the moment and wondered if I could ask for experiences please. My premium is currently £155 a year for buildings and contents with tesco. Excess in contents £250, buildings £500. The total amount of things taken is…
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GapInsurance 123
Hi, I'm picking up my new car at the weekend, and i'm looking at Gap Insurance. Most prices have been around £150 ish for 3 years return to invoice cover. Much better than the £400 dealer option! However I found a company called GapInsurance 123 who have quoted me £74 for 3 years RTI, or 5 years Vehicle Replacement Cover -…
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1st ever claim. Advice on procedure
Hello last night our dishwasher flooded our entire ground floor which has laminate flooring. It's totally wrecked and the insurance company are sending out an assessor on Thursday but I have no idea what happens then. I know the excess is £350 but who do we pay that to or do they quote a figure and deduct the excess? Do we…
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Car Insurance, Do I Declare Points ?
Quick question, My car insurance is due for renewal on the 26th March and I received a notice of intended prosecution for exceeding the 30mph limit recorded on the 19th march which is as far as I recall correct as I remember the dreaded flash, However upon opening the notice from the police the location stated was…
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Car insurance cancellation fees + box disconnection fee
Hi, I've recently had to sell my car for economic reasons. I called my insurance company today to cancel. They told me that I was due a £140 refund, but that I wouldn't be seeing any of it because I owed £47 cancellation fee and £100 to disconnect the box they fitted in my car to track my driving, although when I asked…
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Self employed - what income protection insurance should I have?
I run a small shop employing one member of staff and feel I ought to have some kind of income protection insurance as if I sufferred a broken limb or a major illness i am basically up !!!! creek without a paddle. I would have to employ someone else to cover my shifts and there then wouldn't enough profit left in the…
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Avoid using Premium Credit to pay for anything.
This was a real shocker. I got a quote of £350 from Home Protect, and was asked if I would like to pay by Direct Debit. I have always seen Direct Debit as a good way to pay for things. The person at the end of the line told me it would be 12 payments of £38. I just assumed this added up to the quote. I stupidly didn't do…
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Lost item returned after insurance claim
If an item is lost and an insurance claim is made, what happens if the item turns up because it had been safeguarded like with jewellery. I know it becomes the property of the insurance company once the claim has been paid, but would the insurance company insist upon the item being repurchased by the policy holder for the…
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Can I claim back duplicate household insurance?
I had bought a leasehold property about 12 months ago but was not told that the landlord would take out the insurance policy and would request payment from myself. I took out my own policy which I have been paying since before I moved in to the property. I have recently had a request from the landlord to pay for the last…
