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Named driver accident
Say someone was a named driver on their partner's car insurance policy but that named driver had an accident in their own car, with a separate policy in their own name. Say that said persons had been in the process of moving house and hadn't yet notified their partner's insurer that the named driver on the policy had had…
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5 month old car written off
I purchased my car brand new on 14th Feb this year. On 17th July, a lorry crashed into me and the car has been written off. The driver has been charged with careless driving. The car was purchased from Peter Vardy on a 5 year interest free promo. Can anyone advise, because the car is less than one year old, if my insurance…
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How can I find out if someone has taken out life ins on me?
How can I find out if someone has taken out life insurance upon my death without my knowledge or consent as I have good reason to believe this may have been done. The person whom I believe may have done this is a family member with whom relations are very challenging and we have not spoken for years but it has come to…
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Life insurance payout amount? Info included
My grandfather got a policy for me when I was 2 years old in 1991 - at this time he was 61. On the "schedule" it says: Whole life plan on insured's death: £1000 with compound bonus. On the 12th of every month: £8.80 from May 91 - April 2001. My grandfather passed away over ne year ago. Does any body have any idea what the…
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Life Assurance Written In Trust - Trustee Duties With Respect To IHT
Hi I've scanned through previous threads and can't really find an answer to my query.... My wife & I are setting up two Aviva life policies each (both to be written in trust) for the purposes of family protection (two young children) in the event of our death or serious illness. One will be life cover only for £500K and…
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Home Emergency Cover
Hi I am a landlord of 2 properties, I want to take out a Home Emergency policy for the benefit of my tenants (and me). Im looking for 24hr/365 day cover. Who would you recommend ? Who to avoid ? Can I buy this separate to my buildings Insurance ? looking forward to helpful responses, thanks
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paying too much for critical illness cover - anything I can do?
I have just been looking at my monthly outgoings. My husband and I have a decreasing critical/terminal illness cover for my mortgage, which we have had for 10 years, and pay £37 a month for. For some reason it just never occurred to me that these policies are now much cheaper than they used to be, and therefore haven't…
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Year 2014 -17 year old male and car insurance !!!
In 2014 -17 YEAR OLD MALE AND CAR INSURANCE !!! Key facts: * Just tuned 17 less than a month * Have Provisional lic and stated lessons –Manual cars. * Some young driver insurance companies are asking for cars to be 5-6 years old, hello with the below costs where do you think I can get the money from> Car : Have found one ,…
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insurance
I am a 49 year old mother with approx. 15 year Mortgage. I have 23 and 21 year old sons with the youngest still living at home. I have recently become single and need some form of insurance. Can anyone advise me the best insurance to get thanks in advance
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Cancel yearly car hire insurance
I've bought a yearly car hire insurance (covering excess) 10 days ago. The policy started the day after buying it. I wanted to cancel by the 14 days cooling off period and get it refunded, so I called the insurance today to do that. They told me that they cannot refund it since my policy already started and the cooling off…
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Insurance for borrowed gadgets
Hi, For an event, I am borrowing 5 iPhone 5C 16gb's, for a week. They're from a reputable phone company, OneCom. I'm wondering how to get the devices insured, as they don't belong to myself, and I want the minimum insurance term possible. Any ideas? Many Thanks
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Life Insurance Paid Out to wrong person/estate.
Hi, I'm not sure if anyone can offer any advice on this. My wifes grandmother died in 2010. The life insurance company wrote to my FIL regarding 2 policies, both policies had the correct first name & surname but incorrect middle name. He queried and was advised that the policies were correct and that he should send in a…
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Claim Fast
Help, dont know if I have done the right thing. Never had an accident in 40 years until last week. A car was half parked on the pavement half on the road and started reversing towards us as we were stationary waiting to turn onto the main road. Had hand on horn for about 3 seconds but it kept coming back and bang ! We…
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Opt in or out of employer's medical ins scheme?
Hi I have received medical insurance as a benefit from my employer (fully paid for by them) for nearly 30 years. Most recently this has been an AXA scheme. I recognise it's a good benefit but, as a higher rate tax payer, and being in my fifties, it actually costs me ~£700 per year in tax. This is for family cover (me, my…
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Builder says leak Insurance company says not?!?
We recently noticed damp on the internal ground floor walls of our house. It came up over night and was about 2 foot up the walls. We had a builder come round who took up some floor boards etc and then found the cause was a leaking pipe from the bathroom. Insurance evaluator has now been round and said it was not a leak…
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Holiday Insurance Claim Rejected
I took out holiday insurance with Holiday Safe having seen it 'advertised' on this website. You asked for feedback if anyone had made a claim. I recently made a very legitimate claim (package holiday delayed by airline, arrived 24 hours late), only to have it rejected because the flight was not delayed by 12+ hours at the…
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Mobile Phone Insurance
I have recently received a new phone, HTC One (M8) and am interested to hear people's opinions on mobile phone insurance providers. Fonesafe want to charge me £8.99 per month for cover, and I've already found cheaper quotes than this - Switched On Insurance offer £5.99 a month and Protect Your Bubble offer £7.49 per month.…
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Renewal anger
The wife received the home insurance renewal from Direct Line today, she has been a loyal customer for 14 years and we have only made one claim in that time for minor roof damage after a storm 7 years ago. The renewal amount was £690 for a semi detached property in North West England. I always told her her loyalty counted…
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Leasehold Building Insurance
I have lived in my current (semi) house since August 2005. In that time the leasehold was sold to another company (Compton group). I pay £10 every 6 month. Today I have had a letter saying that apparently my lease has a lessee convenants that relates to insurance. They are saying I have to do my building insurance with…
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Need help about car insurance- they are withholding important information.
Hi, I am really hoping someone can help me. Towards the end of last year, another driver (also happened to be my new neighbour) drove into the back of my car while I was stationary at a junction, waiting for it to be safe for me to join main road. 3rd party has lied and also changed her story. First she said I reversed off…
