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How to stagger annual premiums?
Hi, my car insurance is due 24 June. Our Home insurance used to be April but we moved early July last year and needed insurance in place in order to complete. Old insurer wouldn't cover the new place so we had to cancel and start a new policy elsewhere. So as I have just realised that my house insurance is due 25 June. I…
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Personal injury insurance?
Hello, my son has recently started a job in construction. Last week a member of the team fell from a ladder and broke his leg meaning that he can't work for many weeks. It started me thinking about insurance to cover this type of incident.... is there such a thing? Of so what's it called and is it worth getting? many…
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Question about settling a claim without insurers involved...
Just looking for some quick advice.... My car was stationary on the road the other night, at a friend's house. Someone hit my car and scraped the front bumper quite badly (no other damage, just the bumper). Fortunately, the guy who did it was good enough to tell me he'd done it and gave me his details. I've just been…
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Drivers Legal Protection
I have 2 cars insured with the same company and I have to have 2 drivers protection at £30 each. I have 7 days left to cancel. Can I just get one which covers all vehicles?
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payment claim from 3rd party
Hello, My wife had an accident back in 2013 (hit mirrors with another car) and our insurance eventually concluded that was her fault. Therefore our premium was increased and NCD lost. We have now received a letter from the 3rd party insurance claiming a payment, otherwise they will handle our details to a Solicitor ?! They…
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Young FTB - confused about critical illness / life insurance
Hi MSE - first post but I've been lurking around the site for a while now and could do with some advice. I'm a single 25 year old FTB with no dependants about to complete on a property. I understand that I need some sort of cover for my mortgage at a minimum - should something happen that affects my ability to work and pay…
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Can I insure flights bought for us?
We are about to purchase single trip holiday insurance, but the flights were bought for us by our son, and we will pay him back when we can. We've bought pre-flight train travel & hotel with nominal insurance (a couple of pounds), he's paid for the long-haul flights to Australia, we're staying with him, then flying back to…
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Decreasing term life insurance - renegotiation of monthly payment?
Hi, We have decreasing term life assurance, with an aim to cover our mortgage entirely if one of us dies or obtains a critical illness. Now, we took this out 3 years ago via a broker. The broker got a lump sum at the start and also gets a monthly cut. We've just renegotiated a mortgage deal, and we figure why not…
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EHIC card
Evening All, Not sure if this is in the correct place, if not please move it. I need to apply for an EHIC card for both my children as we are on holiday abroad next month. On the EHIC website it mentions about children being on their parents cards. Does anyone know if I can just add them onto my card? Thanks in advance :)
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Slightly non-standard house insurance query
We're about to buy a house which has a separate flat, with own entrance in an extension at the back. It even has its own council tax. etc. For now we're happy to have the current tenant stay on. However, this seems to complicate the house insurance slightly: When I add the lodger in the 'compare the market' quote engine…
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no blame claim advice needed
Hi, my neighbour opposite has reversed his car off his drive into my parked car stowing my driver side door in, damage to sill and wing mirror etc. He has given me his details in and I have contacted my insurer. What I am worried about now is that my premium will be increased. Does anyone know if it will. My car was…
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Advice about unpaid third party insurance claim
Summary: OH was in a car accident, not his fault, car was written off His insurance company provided a hire car until the claim was settled (around two weeks) Several years later he has received a letter from a law firm saying that the third party insurance company has not settled the claim for car hire and they need his…
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Mortgage life insurage and history of self harm
*edit - I noticed the typo in the subject line after posting, sorry!* Hi everyone, I have recently been looking at life insurance and unfortunately have not been able to get any online quotes at all due to the mental health questions. I am now 24 but during my school years I saw my GP as I was scratching and superficially…
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Drainage insurance cover house with converted flats in?
My property is a house been converted to 2 flats, one I live in, the other is let out. Do you know what insurance company will cover external drainage for my house? I asked HomeServe.com but they say because my house are 2 flats they don't cover external drainage
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Home Insurance - Is no claims discount lost if you break chain when selling?
I've recently sold my house and am temporarily living with relatives until the house purchase goes through. I cancelled my home insurance, does this mean I'll have lost the no claims discount I'd built up (5+ years)? The gap between selling and buying will be around 4 weeks.
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Van Insurance
Hi I had a break-in to my van in January this year and I made two claims. There were two separate insurances. One covered me to drive the van and is fully comprehensive, the other was for the tools. I made the claim to my fully comp insurers for repairs to the door lock which as it transpired I paid for myself. However, no…
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Travel insurance....delays caused by traffic.
Yes, I know its an old chestnut, but are there any insurance companies that cover you for missing a holiday due to traffice hold ups, NOT caused by a breakdown of your own vehicle? I know most dont appear to. Thanks, and how do you prove it.?
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Life insurance - clawback and cancelled contract
Hi, I'm in a position where I've inadvertently cancelled my life insurance policy and wasn't aware that I'd signed a contract. Mortgage Advice Bureau are now attempting to claim a claw back value (six hundred odd pounds) from me as a result. When I read the contract is only states that I need to pay the outstanding…
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Car Warranty insurance
Is it worth is when buying a fairly new second hand car, or is it "Snake Oil"?
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Insurance want money back
Hi, Post deleted, never mind
