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Worth protecting 14 years NCB?
Hi there, I took out a new car insurance policy yesterday with Direct Line. I have 14 years NCB which I have always protected despite not making any claims in years. I've noticed that when comparing insurance many companies cap NCB at 5 or 9 years. I asked the guy on the phone why this was and he replied 'some people have…
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Insurance for wooden makeup studio
Hi there. My partner is looking to insure her new wooden studio which is on her parents land and she is having a lot of trouble finding insurance to cover it. Its a SIPS panel construction with UPVC double glazing with electric heating and is enclosed by a large perimeter fence. She uses the studio on average once per week…
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Council killed my entire bonsai plant collection..
Nothing to see here..
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Tricky insurance for house extension
Hi all, We started a refurb of our house a year ago - we've planning permission for a side extension, attic conversion and addition of an en-suite to an existing room. The construction work for the extension and attic is complete and the builders are long gone - we are doing all the internals ourselves with a little help…
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Premium Increase During Policy
Hi, I got burgled in February and settlement has only just occurred due to a very protracted valuation period. I have now received a letter from my home insurance provider saying that I need to pay a whopping premium increase. At this point I would like to cancel as this premium increase is extremely noncompetitive.…
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Car insurance threatening legal action incorrectly
Looking for some advice or to see if anyone has had a similar experience 😔 Back in may of this year a car reversed out of a parking space in the gym car park into the side of me as I was passing. We exchanged details and later that day I had a call from his insurer saying that he had admitted liability and that they (LV)…
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Outbuildings Insurance
Can anyone advise on a suitable insurance company that has a higher than normal outbuildings limit. West London Suburbs The one time in my life I made a claim (6 years ago) was returning after a weekend away someone had broken into my large detatched garage and emptied it completely of years of collecting, tools, fishing…
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Can I cancel my car insurance?
Thanks in advance for your suggestions and sorry for being naive with my question. I took an comprehensive insurance or my car with 1st direct in August and got a quotation for 330 for the year and am paying in installments about 30 quid a month. Just this month, I moved house and when I tried to update my address, they…
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When To Extend Holiday Insurance
As a couple we have an annual european holiday insurance policy, expiry April 2018. Our son is planning a family (including us) holiday to the USA next summer. If the holiday is booked now, with a deposit, and the balance due some time next spring, can we wait until next April to extend our cover, or will the fact that the…
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Travel Insurance Claim
I recently returned from holiday during which we needed emergency medical treatment. The insurance company told me to contact Travel Claims Services to register a claim, but when I try calling them, I get put on hold with music playing for over half an hour. I have tried at differnet times during the day over several days…
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Lost property covered by two policies
Item appears to be covered on our home and holoday insurance (seperate policies) Arriving home from holiday earlier in the week, my wife discovered she has lost a gold watch (value aprox. £1,000) She remembers replacing it on her wrist after passing through security at the departure airport She believes the most probable…
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Insuring inherited house with subsidence
Hi all, Looking for some urgent advice for a rank novice. I was gifted a property in Nov last year from my father. Since he’d already renewed his building/home insurance a month or two prior I just took over the policy. The property was bought by my parents at auction in 2004, having had previous subsidence claims (as far…
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Car insurance cancelled?
So, I have 3 points on my licence. Unfortunately got another 3. My insurance company now say I can't have the same policy. They have offered me another one which is 250% increase £££. I have looked elsewhere but my question is.... The section that says 'have you previously had a policy declined or cancelled...?' I have to…
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Car insurance after Fleet car and no claims bonus
Hi, I have had fleet cars with the NHS for the past 5 years. A fleet car is a salary sacrifice scheme, so the money for car hire is taken straight out your wages before tax is calculated. the car goes back to the company after the 3 year lease. For the period of the lease you are trapped in your job with that trust. Even…
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Car insurance - car in UK, owner abroad.
I'm looking for some ideas here..... My daughter is currently living/working/driving in Australia and will be for another 6-12 months. Her car is currently uninsured and sitting on my drive. I'd like to take it out for a short run every couple of weeks in order to keep it in good condition. I've checked my policy and I am…
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Car Insurance - No Vehicle Car
After some advice as having a bit of a problem with my insurance company. I went with Go Skippy and have been directed to Watford and Eldon. I used confused.com car insurance and Go skippy was one of the cheapest, as part of my search I chose how much excess I wanted to pay, that I wanted courtesy car and no to the other…
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Bag stolen on holiday
Hi all, My bag was stolen whilst on holiday in Milan. Everything I had in the bag I have listed and given the proof of receipt on the expensive goods which I kept in my emails such as my key wallet, sunglasses, etc. However they are asking me to give them receipt or proof of purchase for clothes. While I do not have…
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Holiday Insurance
I have just received a bog standard letter from my Doctors surgery, saying they use a tool, which based on information medical records, estimates my Q risk. Risk score of having a stroke or heart attack in the next ten years. Range of 0 - 10 acceptable, 10 or over means an increased risk. Where the tool estimates a higher…
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Cancelling car insurance inside 14 days
Hi All I took out car insurance with Aviva on the 31st of September and paid in full. Since then I've had an offer to sell the car and thought "actually go on then" so rang up to this morning cancel the policy as of Wednesday - 10 days after the policy start date. The bloke I spoke to at Aviva said that I would be charged…
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Public liability for a gardener
I'm starting a gardening business, grasscuts, weeding, hedge cutting. I'm unsure how much cover i should get...1 million, 2 or 5? Anyone advise? The price difference is a fair bit.
