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Car Insurance How long have you held this licence?
Hi All, So this is an obscure one, but how does the whole "How long have you held this licence?" work on car insurance quotes for when I've had to surrender my licence? I was diagnosed with epilepsy and had to surrender my licence, its taken about 14 months but i should be getting him back soon. So the question, is the…
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Insurance claim advice
Hi, Really confused and looking for advice. We had an 'incident' where our car and another drivers car touched. The other driver cut suddenly from the left trying to get to the right lane at a roundabout. No indicators etc. She's basically realised she missed her exit and was trying to go back. My husband didn't change…
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Travel insurance payout time frame
Hi I had my phone stolen on holiday which is covered by my travel insurance, what is a reasonable time frame to payout? It has been around 3 months since I provided all the information they requested.
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Help me prevent loss of NCB please
Hi, I have not had car insurance for approx 18 months and its my understanding that if I do not take out a new policy within 2 years I will lose all my NCB (12 years).Is this correct? I drive a work vehicle so have not needed my own insurance but I do not want to lose my NCB. I was considering getting a fully comp policy…
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Engagement ring insurance
Hi, I am looking to get my wifes engagement ring insured. Can anyone recommend any good suppliers? I find that I have to pay a fee to have the ring valued each year in addition to an annual premium. If I don't have it re-valued each year it makes the insurance null and void. Any help really appreciated. Thanks
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Car Insurance and Registered Keeper
I'm hoping someone knows the answer to this: Does the registered keeper of a vehicle need to hold insurance for that vehicle if they never drive it? The scenario is this: My mum owns her car, is the registered keeper of it, and has it insured. She would like to gift me the car. In advance of me collecting the car from her,…
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Medex Private Health Insurance
Medex Protect, is an insurer that insures uninsured excesses on health insurance policies. So in exchange for a premium of say £200, you can insure an uninsured excess of £500. This means that if you do make a claim of £500 or more, you bear the first £500 of the claim and you then turn to Medex and ask them to pay out the…
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Contractor exclusion on home insurance
First time poster and would be keen to get the forum's thoughts on the following situation. We are closing in on the end of a renovation of our house and at the end of last week we had a leak from our main bathroom in to our 95% finished kitchen. Damage-wise it looks like half the Ikea units will need to be replaced due to…
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Change of Car - Insurance Goes Up
Background I have been with the same Insurance Company for my car for the past 4 years and have had no claims or endorsements in over 15 years - I am 61. I have however just changed vehicle, I thought I had done my homework and picked a Mazda 3 with a Parkers Insurance Group of 17 when my old car a Saab 9-3 Convertible was…
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Car insurance cancellation
Hi I have received a letter saying that my car insurance has been cancelled because I failed to submit my 'no claims discount' evidence within 7 days. I recently switched insurers. Wish I hadn't bothered. OK it is my mistake but this is a bit harsh and I could submit it today if they let me. They are going to charge me as…
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Car Insurance Quote after multiple accidents
I am a new driver. 2 years this month. cut to the chase. I've had 3 accidents. 1. A write off - £1400 punto. No ther party involved. At fault. 2. Minor collision with parked car. £500 damage. At fault. 3. Write off - £7500 Honda Insight. Rear ended on motorway. Not at fault, but this is ridiculously being disputed by other…
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Car Insurance Quote after multiple accidents
I am a new driver. 2 years this month. cut to the chase. I've had 3 accidents. 1. A write off - £1400 punto. No ther party involved. At fault. 2. Minor collision with parked car. £500 damage. At fault. 3. Write off - £7500 Honda Insight. Rear ended on motorway. Not at fault, but this is ridiculously being disputed by other…
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Life insurance with no medical
Hi, I bought a flat 4 years ago with my now wife, and we took out a joint life insurance policy for 25 years. This is level term and covers our initial mortgage amount. We've recently moved into a house and now have an outstanding mortgage twice the size of what we took out 4 years ago. I spoke with our insurer L&G to…
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Car insurance drop in NCD
Hi all, I've just claimed for the first time on car insurance. I've been told that it will drop my NCD by 2 years. I did have 4 years NCD when I renewed in December last year. So does this mean that my NCD will reduce by 2 years,then increase by 1 year in December. Or will it reduce by 2 years and then remain the same in…
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First/Second applicant
My mother and I live in the same house and have held home insurance jointly for 2 years now. I put myself as the first applicant and my mother as the second applicant just because it was easier and cheaper due to me having products with every bank. However the house is in my mothers name, not mine. Does it make a…
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Cheaper Insurance Run on or new policy?
Hi! I moved house from rented accommodation to a mortgaged property last year and took my contents insurance with me. I have separate contents and buildings insurers at the moment. My current buildings insurer suggested a run-on last year to cover the 5 week difference between the buildings and contents insurance then…
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Looking for cheap mobile insurance
Good Afternoon I am looking for a cheap mobile insurance provider who can help cover my iPhone 7 Plus against theft, loss or damage. I am with EE, and they charge £14 a month. I bank with Santander and they don't offer insurance, either. Any recommendations would be grateful, along with how you rate your experience with…
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Refused life insurance
I am 51 and as m in the process of securing a new mortgage. Decided to do the sensible thing and get some life Insurance to protect my wife from in the event of my death. I was refused insurance by the under writers. I am type 2 diabetic and had a Tia (minor Stroke) 4 years ago. I want to provide for my wife in the event I…
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Car Insurance claim problem-please help
Hi I hope I can get some help as I've lost the will to live dealing with this stressful matter. My husband got into an accident in Feb 2014. He was driving down a junction when a car that was trying pass a green light as it turned red hit him on the drivers side. The other driver refused to accept fault even though it was…
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Car accident - insurance - injuries - claims?
So, in short, I was in a car accident last April (2016). The other driver was a drunk driver who failed to give way. He was arrested and appeared in court (paid a fine, had a driving ban). When I came to renewing my insurance last August, I was told that I would be unable to cancel my insurance with Hastings as I still had…
