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Dual home insurance with two different companies!
Hi, I've found myself in the position of having two home insurances (which I have luckily not needed to claim from)in place as my British gas insurance automatically renewed whilst I had insurance with another company. The information regarding the renewal was sent to a defunct email address and old mobile which was no…
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Life insurance broker - London and Country?
Hi, We've recently taken out a mortgage through London and Country and found their service to be very helpful. At the time we didn't take their offer of looking at life insurance, but we're now in a position to start looking. I think we will need a bit of advice as we've never taken a policy out before. London and Country…
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When to start single trip travel insurance
Hi, Reading Martin's instructions, he advises starting your travel insurance from the day you booked. So I booked today for a holiday in August, but when I put in the Insurance search to start from today, the quotes I get are around £300!! Martin's article states that you can get cover for as little as £7! Could someone…
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Contents only insurance or building and contents?
I'm a bit confused over which type of house insurance I need. I've bought a flat where there is a communal buildings insurance, so it would seem that I need to buy contents only insurance. I understand the concept of contents insurance ie covers everything that would fall out if held upside down, but what would happen with…
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Admiral Group Car Insurance Quotes Not Showing On Comparison Sites At Renewal Time
Hi, has anyone come across this before? a bit of background, i ran a single quote around a month ago for my car insurance as i knew it was going be renewal time soon to which came back at £387.52 (quote is now out of date). I thought that was great as we were currently paying around £550. Fast forward to now and i had an…
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Accident at work insurance claim
Evening everyone, I have recently had an accident at work which has left me off work for almost 5 months by the time I go back. My boss is self employed and I am the only employee. He can no longer afford to keep paying me and has said to claim off his insurance. The insurance company are being zero help with making a…
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Should we Index our Life insurance?
Hi all, We will shortly be concluding missives (Scotland) on our first home. As such, we're looking to take out life insurance for the first time. We have decided to take out a joint policy of level term cover for 41 years until we retire. We want to it not only cover the mortgage, but also have an extra amount on top of…
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Whos claim is it anyway?
Last month someone ran into my car - I wasn't in the car, my other half was driving (he's a named driver on my policy). My renewal is now due at the end of this month and because the claim is open/ongoing its shot up to nearly double what it was. I'm therefore shopping around for a cheaper quote which is a shame as Esure…
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Income protection - won't protect for spinal injury
Hi, I have life insurance and income protection to cover my mortgage repayments if I couldn't work due to illness or injury. I had spinal surgery in 1995 to correct a curvature of the spine (scoliosis) and was since discharged with no further problems to date. But the provider of the insurance which I took out in 2013 put…
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Car accident - write off process with insurer and DVLA
I was involved in an accident recently and due to the age of the car it has not been deemed economical to repair it by my insurer. It is driveable but has bodywork damage. I have explained therefore to my insurer I wish to receive a settlement offer from them – and we have gone through details of the car, service history,…
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Overpaid life assurance premiums
On a life assurance policy taken out many years ago , I now realise that I have over- paid (direct debit) by at least £300. ! Careless of me I know.. Having queried this with my new policy holder Aviva I am told that I can close (cash-in) the policy on the anniversary, ie April , .. Value ! not guaranteed.. at a loss of…
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Cheapest Van Insurer advice
Have searched quickly but not found answer but I've had my Van insurance renewal and this year I had a minor claim which was my fault. The increase with Churchill is astronomical (like 3 times the cost of the claim and that is just for this year....). I realise that my NCD will be affected but I'm told that some insurers…
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Emergency boiler repair claim on home insurance
I have home emergency cover as part of my home insurance. Just before Christmas the boiler developed a fault and someone came out and fixed it - nothing was replaced/repaired, they seemed to just drain some water from the system and it started working again. Having Googled the fault number, it seems like it's quite common…
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Do Accident management companies and Legal expenses insurance cover the same thing?
I understand the pitfalls of some ACM's using extravagant credit hire cars and no indemnity policy etc. I'm also aware that not all of them are terrible. My question is, is there any point in having legal expenses insurance if you are willing to use an ACM in the event of a non-fault accident? Is there anything that legal…
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Insuring new mobile while awaiting result of a claim
Hi folks This might be a silly question but wanted to make sure - my iPhone 6 (insured by Insurance2go) was water damaged during the week and stopped working. I've sent in a claim form and I'm currently awaiting the results of this. In the mean time I needed to have a phone for work so I've purchased a Samsung Galaxy S8 -…
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Roof claim declined due to moss
Morning all, I am looking for some advice re my recent insurance claim. My ridge tiles had slipped during Storm Eleanor last week and I proceeded with a claim to my insurance. The surveyor came round and I have now been informed that my "claim has been rejected in full" due to wear and tear because, it said, moss can cause…
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Recently involved in a car accident
Hello, I'm sure you have all seen a million and one posts like this before, but I'd really appreciate some advice. I was in an accident about a week ago (first accident in 11 years of driving) where the other driver was clearly at fault. I was driving down a dual carriage way while the lights were on Green and a car to the…
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Parked car hit and run - I'm at fault?
I picked up my first ever brand new car last year, and a couple of weeks later I was parked in a hospital car park and someone drove into it while it was unattended. It was dark and lashing it down with rain when I got in to drive home so I didn't notice, but the next morning I discovered well over £1000 of damage. I…
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multicar/van cover
Hi there thanks for reading . I have a 62plate tranny van for work . I have a 12 plate skoda fabia for home . I'm trying to get my 9+ years no claims to both but struggling , Last years I changed vans so carried the no claims to the new van . I currently have just one year with the car . I also have a C4 Picasso 63 plate…
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re. high cholesterol medical insurance question
While searching for a travel insurance quote, i have come across policies which say that you must declare high cholesterol if you have ever had it. This seems strange. Most conditions, even cancer, don't need to be declared if you have been clear for 5 years. Is this requirement meant for someone who has had high…
