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Proving liability- non fault accident
Hello everyone! Sorry for the long post in advance but I reckoned I'd include details to paint a clearer picture :) My story started when I was going home from university in March this year. Before joining the M1 motorway in Belfast, the slip road from Boucher Rd roundabout narrows from two lanes to one (right hand lane…
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Prime life assurance
Good Evening All. I am 65,married, no mortgage, no debts, I have a personnel pension of £100,000 which has not been dipped into yet, in good health & finances are ok. I have just retired & was going thro' policy's etc & I have a Prime life policy with Aviva. This was originally a Standard life with my previous IFA who…
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Contents insurance for my workshop
Hi there, im struggling to find contents insurance for my private workshop / garage. I want to cover my tools and equipment against theft & fire. I rent the building and its next to or close to my house. Can anyone recommend or point me in the direct of someone who can help. Thanks
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Do we need life insurance?
Thanks for any advice you can give; Is there a guide anywhere to help establish what cover is advised? We are married, home owner, no mortgage. no debt. Mid 40s. 2 Children (youngest 6). Wifes Salery is approx. twice mine. We both have a death in service payment with our pensions. How do we begin working out what cover we…
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Television broken, can I claim on my contents, if so, any point?
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Car insurance voided, I fraudulently purchased car insurance policies in mums name.
Right, where to start. A few years ago I was broke, I had a car but no money to really run it legitimately. So to get around this I would take out insurance with my mother as the policyholder and with myself as first driver. Now my mother knew nothing about the policy I had taken out as I used my own bank card and account,…
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be prepared if i lose job
I own a house with a fairly large mortgage. At present we have no savings and a CC debt (on interest free). My wifes salary is part time - we could probably survive with that. is there any defences for me incase I lose my job? at the moment we have a unemployement cover for myself. In addition I should beable to apply for…
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Claiming for Lost Jewellery
My OH half managed to lose a ring whilst out & about this weekend, worth about £900. It's within our contents policy's single & total valuable item limit, plus we have a valuation. Retracing our steps and contacting the many various places it could have been lost, we have so far drawn a blank and hope is running out of any…
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Change car for newer - how about insurance?
Hi guys! As I'm going to change car for the newer one (2002 for 2007) in UK for the first time I'd like ask how it works with all insurance stuff. 1. Is it better to cancel old insurance because selling the car or inform insurance company I'm changing it and they will move my insurance to the new car? What is more cost…
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Car insurance NCB issue
Hi all My NCB has been showing as 9+ years for a few years now as I know that’s generally the maximum so I accept that. My problem is that last year I bought a new VW and benefited from 1 year’s free insurance. I provided my 9+ years NCB proof and when VW insurance sent me my NCB proof it only says 6+ years. I spoke to…
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Hasting Direct Poor Service: any advice please?
I took out car insurance recently having accepted a quote from an online comparison website. I made an error because I did not know that no claims bonus is not usable over multiple vehicles simultaneously (in Hastings Direct's world anyway). This is a new situation for me and I was not aware of this, and at no point was it…
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Could an insurance broker get me a cheaper car insurance deal?
Hi Car Insurance has come up for renewal. First cheapest quotes are 320 quid, up from 250 for the same cover a year ago. I'd heard prices had risen, but this seems hefty over 25% up! Could it be because I've just turned 40 and am thus deemed a bigger risk? Or is everyone seeing similar? Then another problem. In a gust of…
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Insurance claim after bump with taxi
Earlier today I had a bump on a roundabout where a Taxi tried overtaking and tried to cut in front of me to take a exit that I was going for. The damage is not too bad the arch above the wheel is dented and the wing mirror is smashed. Naturally he tried to blame me for it saying that I was in the wrong lane, I took him…
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Criminal Damage Claim
In short, a guest caused thousands of pounds damage to our property. It is a police case and is going through 'the process' as we speak, so I'm not sure how much I am allowed to post on here?? I tried to claim on our insurance but wilful damage is not covered. However, as I tried to claim our insurance has now gone up by…
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Driving other car
Hello, Me and my friend have a disagreement over rules regarding driving other cars. I have a comprehensively insured car and so does he with his car. Both insurance policies say you can drive other cars cars but in that case only cover will be third party. My friend insists that when I let him drive my car, and he crashes…
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Funny car insurance agreement
Hi,just a weird letter I received from my new car insurer. I set up my policy paid my deposit (paying monthly)had to contact the insurance as the paper work was sent to the wrong address my number but no alphabet letter next to it. So the first letter was dear mr leedash you will pay for example £999 with a payable deposit…
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Replacement car query
Bare bones: we were stationary in our Ford Kuga (a 4x4) in a queue of traffic, and a lorry travelling towards us decided to turn abruptly. He tore out the side of our car, including the fuel cap. Our car is now with the dealership for repair, and we have a Ka as the courtesy car. It will take at least 4 weeks to repair our…
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Landlord Insurance Claim Con
Sometime ago my letting agent wanted to make a claim for me for some storm damage I had so I agreed. My letting agent went ahead and phoned directline landlord insurance and they said they would need to send someone out to look at the damage. It then turned out that I was not covered for the damage and the claim never went…
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Hospital Plan Insurance Services (HPIS)
Hi all, I would like some advice please. I've been paying a company call Hospital Plan Insurance Services (HPIS.info) a fiver a month for quite a few years now for a Disabling Injuries Plan. I took it out in case I was off work for any length of time of suffered a major injury I've never yet had to claim but I'm wondering…
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Mobile Insurance x2
Hi Everyone, I was looking for some advice really, does anyone know the rules or had similar in the past. Some how I managed to have 2 insurance policies running for my iPhone. One with my packaged bank account and the second taken out with a Gadget insurer. I've had my bank account for a long long time and I've made a…
