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Insurance question about cat d write off
I am thinking of purchasing a car which is a cat d write off. I have absolutely no problem with the cars state of repair its has a full engineers report and is in stunning condition. The car is for sale for £20000 but if it wasn't cat d it would be valued at £27000. So my issue is if any thing was to happen to the car…
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building insurance what is historic movement
my building insurance is due for renewal, when I took it out the first time I advised my insurer by phone when they were going through their check list that the survey mentioned "signs of historic movement" . The mortgage company asked for the wall ties to be renewed as also was mentioned on the survey some small cracks…
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Holiday insurance covering costs if we have to cancel holiday
Hi all, Im looking to go on a fairly expensive holiday next year. Is there insurance I can get to protect me should I not be able to go at the last minute? I have a friend who recently had a family emergency and couldnt go on holiday and they lost all the money they spent on planes and accommodation. Thanks
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Home insurance claim help please
Hi OK so due to a fire I am having to have a new kitchen put in which has been agreed by my insurers. My problem is that the builder doing the work is only giving me a choice of one kitchen to have put in and it's horrible. I have questioned this as surely as long as I don't go over budget I should be allowed to choose the…
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Advice regarding claim (Third Party F&T)
Hi all, I'm looking for some advice regarding an incident I've recently been involved in. Around two weeks ago I was travelling down a road when a car from the opposite side of the road came across my lane to make a turning, blocking my path (coming from my right to left) I hit the brakes and hit the side of their car. At…
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Health/Dental Insurance Help
I've just finished uni and been hit with a £300 NHS dental bill. I've always had free treatment etc before, so I hadn't exactly budgeted for it (and I haven't been working long enough to save much - I'm actually still paying back student/moving debit (not just the student loan)). A pre-payment certificate is worth it for…
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RTA - Driver failed to give insurance details
hi guys, my wife had a RTA a few weeks ago, another chap hitting her as he pulled out without looking from the left hitting the from passenger door. Initially the dude tried driving off only stopping when OH stopped her car and got out. First he accused her of hitting his car at the back which makes no sense, and then…
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Fancy a £500 windfall just for checking your insurance at renewal?
'Every week it's the same old, same old. First, a reader expresses shock (and even disgust) at the size of their insurance renewal quote...' Read MSE Tony's full blog: 'Fancy a £500 windfall just for checking your insurance at renewal?' Click reply below to discuss. If you haven’t already, join the forum to reply. If you…
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Whats best new car insuance or short term
I am buying a new car due shortly, I still have my old car and want to keep it for a while as have holiday booked and don't want the hassle before we go. I could just take out a new policy or a short term one for either car. The new on is brand new the old one is 8 years old.
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Ladybird Insurance - Cancellation Charge before Policy start date
Dear daughter found this insurer (which answers the phone as Fresh Insurance) through a comparison site offering a competitive quote. Called up, went through the usual hard sell for extras (all of which she resisted), and then paid the premium quoted. On receipt of the Policy documents we feel some of the Ts&Cs are…
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Car insurance going from provisional to full licence
Hi all, Sorry if this is in the wrong section. I will get straight to the point. My girlfriend passed her driving test on Friday 30th of Sept this year. In July she purchased a little Ford Ka to learn in and got it insured under her name with Hastings Direct on a monthly payment scheme. When she passed she contacted…
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Getting seperate insurance to cover life threating conditions
Hi, I've just claimed on my critical life cover. Although the mortgage has now been paid off, and we have life cover, I'm wondering if I should be looking into whether I/my husband should/can take out other critical cover? If my husband was to become ill, we would struggle to pay the bills on my income. Is it worth looking…
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Working from home + insurance
I work from home, with a laptop provided by my company. This laptop does not travel outside of the home apart from the rare occasion I travel to the office. I have been asked to provide a copy of my cover note for home insurance showing that it is covered. At the time I was asked I was insured by Lloyds so spoke to them to…
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Car insurance confusion
This time last year I had an car accident. No-one was hurt, thankfully, but my insurer said that it was my fault. A container lorry had broken down before a blind corner on double yellows and I swerved to avoid a car coming out of said corner, scraping against the lorry, but I wasn't able to get details of the other car).…
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Charged for services not recieved
I was insuring my family's cars with Admiral. Unfortunately due being self employed and the way my invoices came in I missed a payment, and they tried to debit the payment again a few days later which also was un successful. Admiral took this as 'two missed payments' so they requested I pay the remaining balance on the…
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Auto drive wanting bank statements after car accident
Hi Hope this is the right forum for this. Would appreciate some advice please. My husband, a taxi driver was involved in a minor car accident in July, the other party admitted fault. It's his own car but he is self employed working for a local taxi firm. Anyway, the firm he works for told him to go with their insurance and…
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possible flood risk
Hello, have searched and can't find exactly what I'm looking for, hoping someone on this board knows. A close relative had a 'near flooding experience' with water in the garden but not entering the house. He has not claimed on his insurance, as only clean up of the garden was needed. He has now installed gates at the…
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£169 for less than a months car insurance after cancelling!
Hi I took a car insurance policy out for a car I had which I was going to get reMOTed and give it to my daughter. Anyway she decided as she was going to Uni and wouldn't need a car there it just was not worth the hassle. I had been directed to this insurer via one of the comparison sites linked to on the insurance thread…
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Should I start my own car insurance or stay as a named driver?
Dear All, I am currently the named main driver for my own car as well as a named driver on our other 2 cars on my husband's car insurance policy. My query is should I be starting my own insurance or should I stay as a named driver? What are the benefits of both? Thank you in advance.
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insurance company liquidating, will have to pay double
My hubby is a black cabbie, so has public liability insurance. He took out a policy in June, and opted to make monthly payments. He signed a deal where the first month was £240 then 9x £120 monthly payments are due and then it is paid out for the year. We were informed about a month ago that the insurance firm is…
