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Home insurance by rebuild cost
Does any home insurance provider still offer a sum-insured policy where you can enter rebuild costs rather than how many bedrooms, what type of property, what year it was built and them guess the square footage and rebuild cost? I have a figure from the mortgage valuation surveyor for the rebuild cost and would like a…
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Cancellation of Motorcycle insurance
I am selling my motorcycle and not buying anything else. I called up the insurance company and they stated that they can cancel the policy and I would have to pay an additional cancellation charge of around £20. Is that reasonable and right? I can understand that I don't get any refund, but surely cancelling cannot incur…
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Car declared total loss - should I repair it?
Car is a 2008 Mazda worth £3900. A lorry driver ripped my bumper off (with fog lights) and scratched/dented rear wing panel while I was stationary. He has admitted full liability and his insurance company says they consider it a total loss (Category D write off) as it's "uneconomical" to fix. They have estimated salvage…
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Car damaged by school children - who pays?
I have a friend whose car has been damaged (broken window and scratches) by children in their school playground who threw stones at her parked car and broke her window and damaged the car. Cost of repair is over £300. School said children were in an area they shouldnt have been too and know who it was (2 children). They…
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Help, unfair insurance bill
Hi Everyone Last June I have a very low impact (5-10mph) as I left my home. Its was my fault, the car I bumped into was stationary with just a little crack bumper. Problem started when I reported the bum as I was insured for domestic driving and an this instance I had to use my car for work as I was late, The bump happened…
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Cancelled motor insurance but they kept personal accident cover going!
We've just received a letter from RAC Insurance telling us that we took out car insurance in 2012 along with Personal Accident Cover. We cancelled the car insurance a year later when we got a better quote but apparently they kept the Personal Accident Cover going. It's only £4 a month so not a huge amount but we had no…
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House Insurance Claim Advice
Our house was converted from a bungalow to a 2 storey house 6 years ago, by a local builder who has since ceased trading, as his company was dissolved 2 years ago. The previous owner had the works \ conversion done, and then put the property on the market once the build was completed. We bought the property 5 yrs ago. We…
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S2 advice - treatment abroad
hello just wondering, if somebody can help me with this.... I am about to take my daughter for treatment abroad (Germany), as she can't get proper treatment here. On NHS website I have found S2 form - Funding for treatment in Europe application form. Has somebody ever had an experience with this? What is the best thing to…
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selling house, moving to rented - insurance after exchange?
I am selling my house and moving into rented accommodation. It is looking like exchange will be next week, and completion around three weeks later. My house insurance runs out in two weeks time i.e. a week after exchange and a couple of weeks before completion. As long as my buyers have buildings insurance from exchange…
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UK Banks planning to wriggle out of fraud compensation. Q Who is best insurer?
According to this piece on RT. (Can't post it, I'm a first time poster) QUESTION: Who provides the best insurance for this sort of fraud, if as consumers we're going to have to pay for our own insurance? BTW: It's no good writing your MP, nothing is going to happen, yes it's a great case for Bitcoin, but unfortunately much…
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Advice needed - Travel insurance refusing to pay out
Advice needed please, think our Insurance company is hiding behind a technicality. We purchased annual travel insurance in January and they took full payment at the time. Four days before we were due to travel (6th March), my mother unfortunately died, very suddenly. There was no pre-existing condition and we have a…
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Car, bldgs & contents ins-employment status advice
I don't work now due to disability which will be for life. Am I correct in thinking that although I'm not working but not looking for work or expected to work ever again, I don't have to class myself as "Unemployed" for car insurance or other insurance (buildings / home contents)? If so what occupation type do I call…
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Income protection problems getting cover
Hi All, We wanted to get some income protection so have contacted a broker (not sure if that the correct term). They took all the details and then refused cover. This is despite no health problems that effect work. The sticking point was that the OH is on Prozac, she did suffer from an eating disorder. They have stated…
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Leak - Home Insurance
Hi- We've had a leak from the ceiling in our utility room that started in one room 3 weeks ago - at the time I notified the neighbours above (we're 8th floor, they're 9th) - they had reported leaking from their ceiling and had more extensive ceiling/floor damage than ourselves. The 10th floor neighbours were also made…
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New car insurance policy - changing address in one month
Hopefully someone can give me some advice! I'm taking out a new car insurance policy in a week, which I will register at my current address. However, I will be moving at the end of June, though I don't know the postcode yet, only the rough area. I'm planning on paying the insurance in total, but I'm aware that when moving…
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Life Insurance Mis-Selling
When I took out a new mortgage with Halifax, I was told that I had to take out additional life insurance with critical illness cover even though I had existing life cover and also Death in Service which more than covered my mortgage if I were to die. Now that I'm a little wiser, I'm wondering if I needed this extra life…
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Car stolen ..forgot I had 3 points from 2 years ago
Morning My car was stolen this morning and I have phoned my insurance to make a claim and when they checked my licence there is 3 points for speeding in Feb 2014..I had totally forgot I had these and I had been honest with my insurance when taking it as I told them I had had other claims etc it was a genuine mistake . I am…
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Home insurance hike and Flood Re
Hi, I've just received details of my home insurance renewal and it's doubled since last year from around £650 to £1300 and the reason i'm being given is it's the extra needed re the new Flood Re scheme. I'd like to find out if others are experiencing the same increases as I don't believe the price hike is related to what…
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Multi Car insurance
I am hoping to take over a nice car but am a bit intimidated by the insurance premiums for a second car. Does anyone have any tips on multi-car insurance? For my first car, I have 9 years' no claim bonus but I am not sure how and if that will apply to the second car.
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Permanent Health Insurance the right option?
Hello I have read through advice and am just checking that I am on the right track. I think permanent health insurance is the right option and that I need to consult an ifa but just want to check. My circumstances are as follows: 1. £10.000 mortgage covered by Scotttish Widows policy. I have life assurance paying same…
