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Life insurance company..How to choose?
Hey everyone, Yeah how to choose the good life insurance company? I mean how to find that they are not scam? Thanks Kawinsi
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Mortgage PPI
Hi, My circumstances are that myself and my partner are about to start paying a mortgage, we are both in full time employment and the mortgage is in both of our names and we will both be contributing to it. Firstly, if I for example were to lose my job do PPI policies this take account of the fact my partner would still be…
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Building Insurance Renewal
I took out and paid for six months building insurance cover. The renewal has arrived and when I checked the actual policy, they have incorrectly listed it as a 12 month policy. They say it was an admin error and the 12 months does not stand. It is their error , but do I have any case to insist they abide by the 12 months.?
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House value v rebuilding cost
Getting quotes for renewal and according to bcis calculator my rebuilding cost is £225k but my little bog standard mid terrace only has a value of £102k. I don't want to under insure but isn't this difference odd?
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RTA - Need some advice
Hi All, Just need some honest and unprejudiced advice on how to deal with a situation I find myself in. New situation for me and I sincerely hope no one finds themselves in the same position. I'm not sure if this is something that will be frowned upon in this forum or if it even the right place - So forgive me if the above…
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Is there any legal or financial benefit in getting a decreasing life insurance policy
Any advice about this would be greatly appreciated as I'm very suspiscious of insurance companies!! Me and my partner both own one property each. We live in his and I rent mine out. We both pay our mortgages separately. He already has mortgage life insurance set up (of which I'm the trustee) and I want to set up life…
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Saga: If you don't renew we won't insure you!
Every year without fail I tell Saga not to renew both my car and buildings and contents insurance for the usual reasons. However, 75% of the time a new quotation from Saga best suits my pocket and needs. However, they have now introduced a policy of not permitting those who choose not to renew obtaining a new quote within…
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Marmalade Car + Insurance
I'm not sure what to think of this because although I'm not the most worldly experience I like to think I'm not gullible! Marmalade car insurance offers this deal of a new (ish) car and insurance, fitted with a black box. It's 36 - 48 month contract I'm interested in and it would be monthly payments of £190 - £210…
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Dissatisfied with Friends Life.
In October 1977 I was persuaded to take out a Life Assurance policy with Colonial Mutual Life, at a very low monthly payment that was easy to maintain over the many years until the present. This policy was to mature the day before my 65th birthday, which happened recently. I have had other policies with other companies…
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Buildings Insurance with Tyneside Agreement
Hi, I bought a flat back in March which is under a tyneside / criss-cross agreement (a terraced house converted into 2 flats). Essentially I own the freehold for one flat and the leasehold of the other flat and the other flat owner has the same but vice versa. So between us we own the freehold of the whole building. We…
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How to make personal injury claim without solicitor
Hi, I recently had a motorcycle accident which although not serious, has left me with a painful lower back and now pain in my right shoulder. As the collision was at 10mph I don't think this will be a difficult issue to resolve, but it isn't going away naturally and my Dr has suggested that I get some Physiotherapy to fix…
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Home insurance - KEY OPERATED WINDOWS
Hello, All of the Home Insurance providers I have been talking to require 'Key operated window locks'. My windows are double glazed PVC multi bolt locking, but they are not operated with a key. Just a handle is used to either open or lock. When locked there is a bolt at the top and bottom securing the windows. I know a lot…
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How much home insurance should i pay?
never really looked into home insurance much (live in a flat currently, and buildings is covered by my ground rent/service charge) and lived a very minimal life for a while, and am currently paying £12 a month contents with LloydsTSB. am soon to be moving in with my partner, 4 bed semi 1930's build, with drive and 3 sheds…
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Octagon Car Insurance problem
Hello I recently took out a car insurance policy with Octagon, after paying for the full years cover and sending proof of the NCB they contacted us again asking for proof of age. After sending this to them they wrote a letter back saying that they do not insure anyone under 21 years of age and that they would be cancelling…
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Subsidence - should I be frank?
Hello, I'm new here. I wonder if any of you kind people can help me with a tricky question. About to take out home insurance on our new house, and the forms ask for a YES/NO answer to a question about subsidence, such as: "Has the property ever been affected by subsidence, landslip or heave?" or "To the best of your…
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Changing Car on Insurance Policy
Hi all, My wife currently has a 2013 reg Seat Mii (1.0 Litre) and has insurance with Privilege. She is changing her car for a 2010 reg C4 Picasso (1.6 Litre) as she needs a bigger car and has contacted Privilege for a quote for changing the car and they have quoted an additional £320 on top of what she originally paid…
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Subsidence claim refused - any help please?
Well, just as the title suggests, we've had a subsidence claim refused by our insurance company. Quick back story 1. Small extension (approx 4m x 7m) completed December 13 2. Extension is now subsiding & pulling away from the main house 3. Insurance company have said that the ground is not suitable for building on (we have…
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RAC breakdown cover question
Considering taking out breakdown cover from the RAC ...so two quick questions.. They are currently offering £30 of free fuel with the roadside, home _recovery option...if I go through topcashback they say £47.50 cashback...so if I go through TCB would I get both the fuel and cashback?..... here's hoping Also if my power…
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Increase in premiums after marriage
Everything I have read, including articles on this website says that car insurance should go down after marriage. My wife & I were married in August this year. My wife's car insurance renewal is tomorrow. Her renewal quote was for £250. A search on the popular engines brought the same price and company as the best result…
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Vehicle insurance change of detail charge
I have just informed all of my insurance brokers for house, contents, vehicles etc that I have just changed my job. The very last one was for the policy under my wife's name. I am the named rider for her motorbike. We already have a 6 wheel policy with the same company which I had to make a different phone call for. This…
