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As a Tenant, do I need Home Emergency Cover?
Just buying contents insurance for a property that I rent from a private landlord. Do I need Home Emergency cover? Im totally clueless about this.
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Travel insurance
we are going to spain next month for 37 days. We have travel insurance with Nationwide but I notice its only 31 days per trip. Do I just take extra insurance out for the 6 days either at the end or beginning of the trip?
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house insurance
I have got oil central heating and I am looking for house insurance which covers the cost of cleaning up if there was a oil leak from the tank or the oil pipe supply line. I know most insurance policys cover for loss of oil but not all them cover for clean up of oil spill. anyone know of a home insurance which would give…
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Do I need to report a speeding fine picked up abroad?
I'm using various comparison sites and they all ask for the DVLA code of the offence which should be on my licence. I believe the code is SP30, but I have no such endorsement because I was driving a hire car in Ireland and it turns out a camera clocked me at 70kmph in a 50kmph zone. I had to pay a €60 fine and I had to…
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Post-lease-car NCD
Hi, I've just had to hand my lease car back after moving jobs and I am buying a private car, so I was wondering about the situation. Before the lease car I had 9 years no claims. I had the lease car for 18 months and during that time I had one non-fault accident. This claim was resolved in my favour and can evidence this.…
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Partnership insurance refusing direct debit refund
i was wondering if i could get some advice from members regarding a life insurance situation with Partnership insurance. I had an existing life insurance policy arranged through an insurance broker with Partnership insurance for the sum of £85,000 which covered my original mortgage however we are looking to move so i…
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Chargeable event on insurance policy - tax implications
In 2013-4 I cashed in two life insurance policies, thereby creating a chargeable event x 2. Today, I decided to do my SA tax return online, in case I hit any snags. I did. There is only room to submit one chargeable event online. For more than one you have to do the paper version, deadline 31 October. I managed to download…
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RTC insurance injury claim advice please
A few weeks ago my wife and daughter were rammed at speed from behind whilst turning left and forced into a hedge which set off the air bags. The third party, whose car continued on and overturned, has admitted full liability. We have had no contact with her but her insurers have been in touch and confirm full liability.…
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Car Insurance with unspent conviction
Hi I was wondering if one of the insurance experts can help me with a quick question...my bf had a conviction for drink driving 6 years ago and is now in the process of insuring his own vehicle (prev had company car), when he completes the online form for quotes it only asks about motoring related convictions in the last 5…
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water leak in flats/insurance
Hi everyone, I've never had to make an insurance claim before, and just wanted to check I'm doing the right thing! A leak occurred in my block of flats, staining my ceiling and flooding my bathroom floor. The leak has now been traced to a specific flat. I had to pull up all the vinyl in my bathroom to try to get the room…
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Old insurance policies from an old mortgage!
Hi There, I've been sorting through my bank statements and have realised that I am paying for some old insurance policies I took out with my old mortgage. 6 months ago I took out a new mortgage and some new insurance policies. Do I just cancel these old policies? I'm not sure what to do. Any help will be greatly…
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Renewing Annual Car Insurance
I recently renewed my car insurance taken out through a national chain of insurance brokers seen on most high streets. I also visited many comparison websites to confirm the brokers really had offered me the cheapest policy for the cover I sought. However the most irritating part of the comparison process was that the…
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50/50 liability insurance
I recently had a collision with another driver in a supermarket car park. I'll first explain what happened and then ask for advice. So.......basically pulled into the parking area of the supermarket and noticed an empty space. I pulled over to reverse into the space, as I started to reverse I realised I had mis judged my…
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Home insurance claim delay
Claimed for accidental damage back in July, with insurance company who passed it into a management company who in turn passed it onto a loss adjusting company who then chose a contractor. Now October still no start date in sight , they keep offering settlement money to get my own tradesman to do the work, I think it"s…
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How soon should I report accident?
I had an accident today whilst driving my wifes car (I am a named driver on her policy) where I went into the back of someone. We exchanged details and the other partys car just had a couple of light scratches at the bottom whereas my wifes car has a bent bonnet, broken light and damage to the front bumper. I got the…
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No insurance, upstairs neighbour has flooded me again!
Hi can anyone please help, I have a really annoying neighbour who keeps on flooding me. I have had insurance cover every time she has previously flooded me but this time the premium was so high I did not renew and now she has flooded me again. How can I get her insurance details from her if she is not willing to give me…
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home insurance for a non-traditional build (not defective)
Hi All, Does anyone know of a home insurer who will quote for non-traditional build homes, in this case a Wimpey no-fines house? This is not considered a defective house and there are no problems getting a mortgage. I am not sure whether when getting a quote selecting "concrete" as the type of walls is sufficient or…
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Home Insurance and Rebuild Value (Mortgage)
I am a FTB and my mortgage requires home insurance and my bank told me that it should cover the rebuild value of the home. There is supposed to be a valuation/survey done within a week and then I am hoping I will know what the rebuild value is. Am I right to assume that I cannot do anything with regards to home insurance…
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Home insurance which covers leak help!!
Hello I currently have an issue with my boiler.. We top it up and the pressure goes down within 2 days which obviously shows a leak somewhere. We've had a plumber out who has checked everything and thinks the leak must be under the floor boards. This isn't currently a problem as obviously it's not leaking into my home but…