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Car insurance - Claims/Definitions
Hi All, Could some one please shed some light on this situation for me regarding driveways etc. I looking to renew my insurance and just moved but i am not sure what my overnight parking arrangements are classed as. My house is built in such away that the "driveway" is off the road. Its a row of houses and mine is the…
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Extortiionate cancellation charge for home insurance
I have a policy with Swinton and the cancellation charge is £50 (the remaining term is 3 months and I owe £21 in remaining repayments so it is cheaper to leave it running!). I believe the £50 is an unfair term of the contract and am writing to them asking them to advise how this is a reflection of their true costs. Just…
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Without prejudice payment, but not for passanger
Hello, My partner and I were involved in a road traffic accident. The other party was denying responsibility, but has since changed their approach as the on scene police officer was going to attend court. My partner has been offered compensation for car and injury, without prejudice being applied. The solicitor said they…
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Car Insurance - Cannot claim off 3rd Party
Hello, My partner has recently been involved in a freak accident. He was parked up in a supermarket car park. The car next to him caught fire and subsequently set his car alight also. In fact, 3 cars ended up being right offs including my partner's. Fire engine, police etc were called and all involved got together and…
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Don't over-cover on buildings insurance
Hi all, Martin says, 'For buildings, don't over-insure - a common mistake is to cover the house's market value (the amount it might sell for). You should instead be covering the rebuild value, which is simply the cost of rebuilding the property if it were knocked down.' But who would pay the cost of demolition and removal…
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Post Office house insurance offer
I've just obtained buildings cover for less than a tenner using this Post office offer mentioned on the latest MSE Email. Not bad especially if your quote is already low, in the 50 to 100 quid range. http://www.postoffice.co.uk/home-insurance
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What Life Insurance Trust?
This seems slightly tricky to decide which type of trust is best in our circumstances. Basically, my wife and I have mirror wills, leaving everything to each other. We have no children. In the event of a "tragic" accident, both our wills specify that our individual assets are left to our respective siblings. We have…
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Car insurance - disputed liability problem - any advice gratefully received!
Hi guys We were unfortunate enough to have our car's wing mirror knocked off and our insurance company cannot seem to progress the claim. I was driving with my young family at the back of the car, when the third party refused to give way, and sped through the gap between the two parked cars on his side, and my moving…
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free M&S vouchers
still waiting on free M&S vouchers for taking out Direct Line Insurance last October. Has anyone else received theirs?
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Transfer Car Insurance - Admiral
Hi I currently have a Ford Fiesta Finesse, 3 door, 1.25, 2005 plate. I would like to purchase a similar car but 5 door, one of the following models; Ford Fiesta Fiesta 1.25, 5 door, 2002-08 Ford Fiesta Zetec 1.25, 5 door, 2002-08 Ford Fiesta LX 1.25, 5 door, 2002-08 I was with diamond until last summer, then since October…
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Best building insurance for house converted to 4 flats?
Can anyone recommend an insurance company to provide buildings cover for a house converted to 4 leasehold flats? The Management Company have insurance but it is renewal time and premium has increased considerably, despite no claims having been made. I am charged with researching the best deal at a reasonable price. Do I…
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Insurance Claim and Selling Car
Hope somebody can answer this for me. A while back, somebody reversed into my car when pulling out of a parking space in a car park and did some damage. I lodged a claim with my insurance company but said I didn't want to pay for the repair myself only to find I never get reimbursed or have my insurance company foot the…
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life /morgage/critical illness insurance
Can you please explain when a policy becomes payable from? My brother in-law died at the age of 43 on 14 feb 2014. a final death certificate was only issued on 19 May 2014 due to further tests. Also what is classed has a critical illness in a insurance payout. We have been told to different valuations due to only just…
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Insurance Rip Off Merchants
Hi, I purchased 4x4 and I didn't know at first it was classed under commercial. So the priced were sky high. Secondly I got it right down to £602 with breakdown cover, legal cover and windscreen cover. However I did quite a few quotes before returning to this original quote. It was about an hour since I returned, in that…
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What is usually classed as a High Risk Item for Contents Insurance?
Hi again Sorry first of all for the recent influx in insurance questions! I think this will be my last. Thanks for bearing with me and for all the help. We have now taken out our Home insurance with Halifax. There was no mention of a High Risk Limit until we received the docs in the mail. Turns out that it is around £25k.…
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Car insurance increase after no claims bonus..
Hello there I just got back from a lovely holiday, Just before I left I took out a new insurance policy on a new car i bought with Hastings Direct. When I got home 2 weeks later I had a letter from Hastings asking for my proof of no claims, which had to be given within 7 days or else my policy be adjusted/cancelled etc.…
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Car Insurance for daughter working abroad while on holiday with us
Our 29 year old daughter has been working in Spain as a teacher since January and intends to continue for at least the next year. When she visits us every few months, it would be good if she could drive my wife's car. She has a full UK licence, has had her own car for 11 years with her own insurance on which she currently…
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Question on wills
Hi, My wife and I have various assets/investments in each others name. In the event of our death we want our combined assets to be totaled up and minus any IHT liability we would like the total figure to be split equally between our next of kin should or son not survive us. Is this something that can be written into our…
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Onboard Camera/Recorder
I have just purchased 1 of those Video recorders that you mount on your windscreen, and a very good buy I must add. I was told that if I informed my insurance company I could get extra money of my renewal policy . How true is this ?
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Best Annual Multi Trip Travel Insurance?
Hi, I'm going on a number of short European city breaks over the Summer (lucky me!) but I have no idea which is the best annual multi trip insurance to invest in. I've been trying to research this for quite a while, but I always get so confused by all the terminology, reading all the various reviews on offer and the large…
