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Lifestyle Services Group - Gadget cover
My Co-op bank account comes with free "Gadget cover" (for loss, accidental damage, etc) provided by LSG, Lifestyle Services Group Ltd. I covered my iPad under this and have accidentally damaged it. Understandably they want proof of purchase. I don't have the receipt anymore but I provided them with the credit card…
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insurer not taken out money. Shall I call them
Hi Folks Just a quick question. I have recently extended my insurance for my car with the same provider as they offered me the best deal after a bit of haggling. There was a bit of a computer issue where the total cost came out different to the individual policies as it was a multicar insurance policy so included 3 cars.…
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Mortgage Protection Insurance - is this a lot?
Hi, I am in the process of purchasing a home and am looking at mortgage protection insurance. Obviously prices vary a lot, but I was just wondering if anyone could give their opinion as to whether the quote I've received sounds a lot. I will be living along with a mortgage of £92,000 and have no dependants, so life…
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Injured in car accident / personal injury claim query
Firstly sorry for the length - thought it best to explain in full for the best response. In July last year I was hit, whilst parked, by another driver - very straight forward - admitted fault straight away & exchanged details. Damage : Just some minor panel damage, bumper needed replacement and painting. The worse part was…
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life insurance plus savings
I'm just researching life insurance policies and it's dawned on me that it would be a shame to pay for a fixed term and then not receive a payout at the end - not that I'm wishing death on my partner!:A We're wanting cover for 40 years to cover the mortgage plus a few extra years. It would be nice to think that if we're…
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Contacting ING Direct INSURANCE dept
Hi Does anyone know where I need to write to or phone in order to discuss an old ING Direct Home Insurance policy? I held cover with them (underwritten by AXA) during 2010 and 2011 but of course they then stopped doing insurance. Now, having transferred their savings and mortgages over to Barclays it seems there is no such…
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1st Central Car insurance and coach drivers....
So we've just phoned up to renew our insurance and tell them that OH is now a coach driver, but they won't insure him because of his occupation! Surely he is now a safer driver as he has passed additional qualifications in driving? and he's only driving the car to work and back, it's not like they are insuring him to drive…
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Home Insurance cancelled before extension works start
Hi all I am about to embark on a kitchen and loft extension to my (very standard) Victorian terrace. As I have done before previous building works, I called my insurer (Post Office) before the builders start next week, to let them know. My surprise result is that my policy has now been cancelled and I am left trying to…
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Combined Insurance
Hi, I wonder if anyone can help? I have lots of separate insurance plans for various things i.e. my mobile phone, partners mobile phone, Ipad, home insurance, extra cover for engagement ring, 2x mountain bikes. Is there anywhere that I can get all of the above combined into one insurance plan with just one payment? Instead…
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Subsoil washed away by neighbours mains
Hello all, I need advice on insurance, cover or claiming for damage caused by neighbours leaking water mains that has/is resulting in subsidence. We bought our victorian terrace a year and a half ago. There was some damp so got this 'sorted' as requested by lender. I have now come to re build an old single story extension…
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Driver for large company hits car and insurance takes forever.
Unfortunately my daughter was involved in a car accident on a roundabout with an employee of a large car manufacturer. Since then her life and mine has been turned upside down The drivers side wing and front bumper had been damaged to the extent that her car unroadworthy. My daughter's insurance company dragged their heels…
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Working part time from home and want buildings and contents insurance
Hi all, my wife is a psychotherapist and in addition to working part time as a therapist for a charitable organisation she works privately from home for maybe 5 or 6 hours per week with adults and children. Our home insurance, buildings and contents, is up for renewal and our previous company M&S will not renew as the work…
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Contents insurer offers 249 to replace 825 TV
I worked as a technical writer in the TV industry in the mid 90s. I feel I know TVs, even now. In 2008 I researched and picked a high spec TV to replace a dated 28 inch model. A few weeks ago, the TV was damaged during a stupid ball game in the lounge. I was surprised to learn that our contents insurance covered the TV and…
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Travel Insurance Query
Hi, I'm looking at Travel Insurance with M&S and they have quoted me £180.00 for a 26 day trip with declared medical conditions. It does not include mountain biking. Their underwriters are Axa, whose website quoted me £70.00 including the declared medical conditions and mountain biking. Why is this difference here? Surely,…
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Claiming after a car accident
I had a bit of a mishap in my van yesterday and to cut a long story short the front of my van became very attached to signpost, in more ways than one. The accident happened because my finger slipped off the joystick that I use to steer the vehicle as I am disabled. I'm fully insured so there's no problem in getting the…
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Backpacker Insurance
I'm going travelling to Australia for a year and I'm getting really confused about what sort of insurance I require and where to purchase it from, would anybody be able to help? I will be potentially working as a fruit picker at some point as well as participating in activities like surfing and paddle boarding.
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Esure Motor Insurance - Be very very careful!
Needed to do a change of vehicle with Esure. Several problems that culminated in my cancelling and trying to find a different provider. First - Modifications. My car (to the best of my knowledge) has no modifications other than factory fitted options from new. Tried to get a quote from Esure, and see they have added…
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Taking broker to small claims court
Hi All, Some of you responded helpfully to my problem a week or two ago. It was about a liability claim and the insurers saying it was contents/buildings. Anyway, I have spoken to a solicitor specialising in insurance law and he is sorting it all out. My question is about his fee. If the broker or insurance company…
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Managing agents block insurance
Hi Does anyone know if the managing agents for a block of flats are obliged to get quotes for insurance? Got an on-going issue at the moment and feel slightly uncomfortable about the fact that the managing agents are approved brokers for the insurance company. It may well be that it is the best cost, but I am naturally…
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Life insurance new illness question
I took out life insurance with critical illness cover in 2007, I have recently been diagnosed with ulcerative colitis. It's not a illness that's on my cover. My question is do I have to tell insurance company I now have a life long illness, despite not claiming or the fact I was diagnosed after cover taken out. I know its…
