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Life/critical illness cover help?
So,October last year I took out my 1st mortgage and at the same we also took out life insurance/critical illness cover.This was done through the same broker used to sort our mortgage Me and my girlfriend have seperate policies,each one to cover the amount we borrowed on our house (108k) The policies are with…
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Cost of motor claim for comparison sites
In the last 12 months I had a fault claim (my own vehicle only) and two windscreen claims (one repair, one replacement - Ford electrically heated with wiper/lights sensors). I have protected NCD but as expected my renewal premium has increased, so I've started to shop around, but have hit a snag. Following the MSE guide I…
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Underwriter question
Just out if curiosity, when taking out IP or LI cover, is a consent form issued by the underwriter, obligatory for signing, in order they can access my medical record Nothing to hide, however, I prefer to keep my personal information, just that, personal ;)
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Buildings Insurance Excess
Hi, We own the top floor flat i.e. 6th floor The property below mine on 5th floor had a water leak which caused damage to the flat immediately below on 4th floor. The property management company arranged redecoration of the 4th floor property via block insurance policy. First we new of the incident was when we were charged…
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car insurance claim problem
I had an accident in my car at the end of December 2014 where someone attempted to do a u turn in the road from a parked stationary position as I was driving past causing a collision and damage to both cars. I informed my insurance company of the accident that night and the next day I sent them my statement and diagrams as…
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A Car Insurance Write-off. VS. A Repaired and Returned Vehicle.
Having been the victim of a total loss appropriation I have the following common sense questions: A “write-off” (total loss) is defined by the cost of repairing the damage exceeding 100% of market value of the vehicle. In this event, the insurer pays out 100% of the market value and takes possession of 100% of the vehicle.…
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Add cruising option to Family annual world wide policy later?
Hi, I am planning to buy a Holidaysafe Lite Family annual world wide policy later now. I may want to go on a cruise later in the year. I would like to know if I can add the cruising option to the existing Holidaysafe policy and pay for that option then. I tried to call Holidaysafe a few times but was put on hold on all…
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Repercussions of insurance cancellation?
Hi, am in a bit of a fix hoping for some advice. We were having building work start so I contacted my insurance company. After a while they told me they couldn't cover that so cancelled my insurance! is this a bad thing? I'd've thought being honest with them was a good thing but never expected this. Now we have tried to…
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Question about Information for Car Insurance quotes
Hi I'm looking for car renewal quotes for privately owned car shared with my partner. I regularly drive hire cars for work purposes - booked for me by my employer - probably average about 8 days a month. Where I'm asked about 'Driving other vehicles' should i say i drive a 'company car for work purposes' or 'no other cars'…
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Do I still need it
We took out life assurance 15years ago , we are now mortgage free and life assurance has another 10years to run , it costs £33 per month, is it worth keeping on or not
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Home Insurance including Home emergency
I'm currently comparing prices for home (Building and Contents) Insurance. The current one we have is with Tesco Finest. I know it is rather expensive but it does include Homeserve and credit report. The credit report part doesn't really bother me. I can check the credit report every other month for about £6 plus our bank…
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Children's Travel Insurance
We are going to France and our covered by our bank insurance and have EHICs. However, my two daughters, 3 and 4 are not covered by the bank travel insurance. Should I get new cover to include them?
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Insurance quotes rocketed by £140 in 3 days - why?
This has probably been mentioned or discussed before, but it's absolutely made me sick. Some provisions: I'm 27, have a Full UK license since 2009 with 6 years NCB. I had one accident that a claim was made on in September 2011 where the driver hit me from the side, I wasn't at fault. I also live in deepest darkest…
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BISL Cancellation charges
I recently cancelled my van insurance BISL (Budget Insurance) because my van had broken down irreparably. BISL were unable to transfer the policy to my new vehicle, but quoted me a premium for a new full 12-month contract, which I declined because it was £50 more than a similar policy with another reputable insurer. They…
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County Court Claim for accident
Hope somebody can help. I had an accident a couple of years ago. Very minor but my fault. Told the insurance company and they said they would deal with the claimants solicitor and leave it to them. Didn't hear much about it, the most recent thing was the insurance company was still trying to come to an agreement with the…
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Motorcycle theft
Long story - I'll be brief and try not to rant. Bought a new motorcycle (new rider), and bike and licence registered to my address at the time (which is a property owned by a family member). At the same time, I started a new job and moved into rented accommodation. The insurance for the bike policy was made out to my work…
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Call from company advising me to claim a cat c payout ?
Hi all first post so be gentle! I had a call regarding an accident last year In my car, lorry reversed into me smashing bumoer and headlight etc, had all this repaired last year via his insurance company. Now a year later this company rings up saying that saying that there is approx £2000 available as the insurance company…
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Loss of use compensation - from accident to date car scrapped or accident to date?
In April 2013 I had an accident on council property which was their fault. My car was seriously damaged, declared unroadworthy and repairs estimated at over £1000 which I could not fund. Although I contacted the council straight away they did not finally admit liability until 18 months after the accident. During this…
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Key Insurance
I've been looking at a policy from KeyCare and have found that adrianflux.co.uk seem to offer the same policy for a lot cheaper. Has anyone ever used these companies or a similar policy? It doesn't seem to be a very popular type of insurance. My keys are covered under my home and car insurance policies but I'd rather not…
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Eviction proceedings due to Merlin loss adjusters non payment to contractor
Hi , Our bungalow burnt to the ground in sept 2009, it was a very difficult period as you can probably appreciate,our insurance company appointed Merlin a loss adjusters firm which we know find have gone into receivership, Merlin really dragged their heels once they got the go ahead via legal and general, building work did…
