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Car Insurance NCD Query
My car insurance renewal has just come through. It states that I have 9 years NCD. Is that 9 years at the renewal date or 9 years from the start of the policy ?? Reason I ask is that I am looking at changing my insurance & need to know if I declare 9 years NCD or 9 + 1 = 10 years. Sorry if I am being a bit thick…
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Length of licence held question
My question quite simply is with most insurer's when they ask the unction they mean how long have you held your current licence type meaning your provisonal length is not included. Aviva however do include the length of time of your provisional. Is there any other insurance companies people can name like Aviva who will…
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Insurance company ordering a new car to replace stolen car?
My Ford Galaxy Titanium X was stolen earlier this month. I bought this car (new) with extra options in May 2014 through a Ford Dealer on Credit Finance. I managed a get a good discount. My insurance company phoned me today to tell me that they are going to order a new car (like to like) as replacement. I am totally…
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What constitutes carelessness on Home Insurance?
Hi All, As the header says, what constitutes carelessness on Home Insurance policies, with particular regard to losing contents when away from your home? If it were an item that you only used away from home, but lost it, surely unless it is stolen the insurer could use the carelessness clause for anything - In which case…
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Part 36 offer - sums not received
Hi I was wondering if anyone could help with the following query. I have received a Part 36 offer to settle an personal personal with payment due to received within 14 days. The amount was going to be sent via BACS. The terms have been breached as it had nearly been a month since acceptance of the offer. Can the Part 36 be…
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What do you drive, how old are you and how much do you pay?
I am 23 y/o with 2 NCBs and want to own a BMW 325 or something of that sort. I understand I am young and I need to be punished due to the negligence of others in the same age group as me and living in the same high risk area due to the fact that I can't yet afford to live in a low risk posh area but what I don't understand…
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Flooded Property Insurance Problems - Two Stories from Carlisle
I wonder if anyone could help suggest what to do in the following situation. I understand there is an ombudsman, but the situation requires more urgent action, potentially legal in nature. In the recent floods in Carlisle, my wife and I's home was flooded, as was my brother's (he and his wife have two childen, 1 and 3). My…
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First time to possibly have a car insurance claim
Had a wee incident last night, bottom line is I have to get two doors sprayed on someone else's car. I have 10+ year protected ncb, yearly premium is about £200. Damage is about £200-300, a third party claim on my insurance wouldn't incur an excess. Trying to decide whether to tell her to put it through the insurance or…
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Road Tax???
On purchasing a second hand car recently with the new rules I can not believe the con being pulled in front of the already taxed to ceiling motorist. It seems that each time a vehicle changes owners with these new rules the new owner must purchase tax from the day of the month so as before you loose the amount of days into…
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NCD over two years old
A relative is looking to buy a car and holds 3 years NCD which lapsed over 2 years ago (has had two other vehicles insured within the past two years but sold/cancelled policy before renewal date) so is struggling to find insurers that will accept this. Does anyone know of anyone (other than Adrian Flux) that would accept…
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NCD taken away.
Hi there, I recently for family reasons changed my citroen car / derived van for a Ford Focus 5 door hatchback, my insurance company flatly refused to use my 6 years no claims. The latter 2 years earned with them with the same underwriter which I now find actually is a part of there company ie 'owned by themselves'. After…
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Elderly Uncle Ripped Off
Here's a quick summary of a horrible story; my elderly uncle has just gone into hospital, so he asked me to handle his financial affairs. First up was his home insurance. He has a normal 3 bed detached house in Chandlers Ford. His local friendly insurance company branch had sent him renewal instructions which he passed to…
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Car insurance
Hi, I'm getting quotes but one of the questions they ask is if my car has an alarm and if it's Thatcham approved, I have no idea. I was hoping someone could help, my car is a 2005 Vauxhull Corsa life, petrol, manual, 5 door. Thanks Ninko
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Is it usual to ask to see a will?
Hi folks, Having recently had a bereavement and never having had to sort out someone's affairs before I have made some tentative enquiries with the life insurance provider. They have asked for me to send in the death certificate and the will. This was a problem initially as I couldn't locate the will and the solicitors…
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Slightly underhand (Lifesearch)
I recently used compare the market to price up life insurance to cover the mortgage, ticking the contacy by email box only. I received a phone call by a company called lifesearch the following day who said they deal with compare the market to oversee products and services and to expand on the options not available directly…
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Being overcharged for building insurance on leashold flat
Hi, I've recently moved into a 2 bed leasehold flat. My flat and the flat upstairs have just been sent a bill for building insurance for £1800 for 1 year. Our lease states that we are required to 'place the building insurance with a nominated company of the freeholder'. However, this seems super expensive. what are my…
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Buildings Insurance on my Leasehold Flat
When my insurance came up for renewal in March of this year I thought I would try to see if I could get a cheaper policy which I did - much cheaper. The brokers (Coppergate) had telephoned me regarding renewal and I told them I was shopping around. In April I got a letter from Coppergate asking me to renew so I emailed…
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Return of Stolen Items
Hello. We were burgled over the summer and eventually our insurers agreed a settlement with us. For one particular item we have spent some of the insurance money but only a small bit. Subsequently the item in question was found at an auction house and is now in the posession of the police waiting for a case to be put…
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Car Collision/Injury Insurance.
Hi, I'm posting again to see if I can get some advice on a now sensitive matter. I posted a while back about being in a road traffic collision, we were driving along as normal when an elderly gentleman crossed lanes and hit us head on. We were all taken to hospital and dealt with, however we learnt the gentleman…
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Car Insurance Claim Help!!!
Hi everyone, I had taken out a new car insurance policy it has only been 2 months. I am the policy holder and my sister is the second driver. MY sister was in an accident. I called up the insurance company and reported it to them. The problem is they asked me if I was still a student which I am not and currently unemployed…
