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Cancelling Car Insurance
I am going to scrap my second car as it days came to an end and i will be sticking with just one car for now. However i got insurance for that car for 8 more months so naturally i want to cancel it as the car will be gone. Now, whenever i do a quote online, there is this question - "Did you ever had your insurance…
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Car Insurance Claim
Hope someone can help. Bought a new car back in Feb 2017. June it was parked outside my house and a drunk driver crashed into the car causing huge amounts of damage. Hastings Direct said I had to use a claims management firm as they did not look after the claim. Car took 4 months to repair despite me wanting it written off…
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Car Insurance - Driving license question
Hi all, I have a question about my driving licence, I got it in 2003 back in Italy but now that I live in England I exchange it, so one month ago I received my full UK driving licence. When the insurance ask me how long have I had it should I say 1 month or 15 years? Because if I have a look in the driving licence at the…
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Joint Policy and how long
Hi all, I'm looking at Life Insurance for my husband and I. Reading advice on other posts a joint policy would seem the best. I'm just wondering how long do you have them for? Also, if we die then the kids would be entitled to the insurance, but what happens if the policy expires before we die? Do you renew it as you would…
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House flooding - insurance claim
Hi everyone, looking for a bit of advice. I am a council tenant in Scotland, I have been in my house for 4 years. In 2015 I had a small flood and the council came out to fix the cause of it (something in the loft) and I got compensation for damage etc. Last December I was in hospital for 3 days and when I got home my house…
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Life Insurance
Hi all, My wife and I don't currently have a life insurance policy for either of us. We own our home (approx £135k mortgage remaining) and have 3 children, all under 5 years of age. I have a death in service cover which is 4 x salary - approx £180k. I'm looking to take out a joint life insurance policy to cover both of us…
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Payment Shield - Home & Contents Insurance
Hi all, I currently have a Home & Contents policy with Payment Shield which is underwritten by Royal Sun Alliance. The only additional item is my wife's engagement ring. I've only had one claim which was last year for some contents (approx £800) inside the boot of my vehicle which was stolen fro outside my house. The car…
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Car Insurance - Other Party Breaching Terms of Insurance
Cutting a long story short... Had a road incident that went to court. The other party said they would represent themselves in court, then didn't show up, so we won as it was a no contest. Their insurance company is now saying they aren't covering the claim as it they say he's no longer insured if he's representing himself.…
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Issuing claim against Irish insurers
Hi, My daughter's car was stolen in January. The insurers are XS Direct who are based in Dublin. They are being ridiculously slow in dealing with her claim - they've had all the information they need since the end of February (including having sent an investigator to interview her). She has written 4 letters asking them to…
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Car accident third party
Hi all, I guess for purpose of privacy I'll redact/alter some of the dates/specifics. But sometime earlier in the year, I had a light brush with a car (this was my fault through and through / determined by my insurance). I effectively clipped the back of the car as a result of the road conditions on my motorcycle. Long…
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Income Protection or CRitical Illness for my son
Hi My son (age 25) was born with some health issues. I wont go into them here but its not something that stops him working or anything that he visitis the GP with ever he just has a check up with his specialist once per year and has not needed treatment or medication for over 15 years. Anyway he is not at the age or in a…
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provisional car insurance
I have my own car and I hold a provisional driving license, basically I'm not sure what insurance I need to buy, I intend on taking my test in a month or 2, for now I want to drive with supervision in my own car just for practice, I have looked at comparethemarket.com and chose the "provisional license holder" option, can…
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Switching whilst using Household Legal Protection (ie active claim)
After being tripped by aisle clutter in a well known supermarket (they have accepted liability), I engaged a solicitor to bring a personal injury claim against the establishment concerned under the terms of the HLP (household legal protection) policy extension of my house insurance. I have kept with the same insurer ever…
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Home Insurance - moral (and financial dilemma regarding NCD)
I have held contents insurance whilst renting for the last 2 years, from this renewal will have 2 years NCB. Recently purchased my own home, added buildings cover during the last years insurance. First time I've had to take out my own buildings insurance. My renewal has come through and the premium is far lower than I was…
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Forces Pension Society Travel Insurance
I posted this on the forces board but have had no response so I'm copying it here in hope! Is this organisation any good? As a 70 year old ex forces with pre existing medical conditions I am looking for annual travel insurance and have heard somewhere that good discounts are to be had by becoming a member? Membership is…
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Cancelling GAP insurance
Having bought a car and got sold gap insurance, I am trying to cancel it within the cooling off period. Have emailed the dealer a couple of times in accordance with the t&C's of the insurance provider, but had no reply. The period ends 4th May. I don't need the insurance and even if I did, it was £295, when I could get it…
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liability insurance
Just wondering if anyone has been told recently from estate agents, that they won't offer them a property to rent if they don't take out liability insurance with them. I've rented in the past and never before been told this. I always have content insurance. I've searched online and I can't find anything that states the…
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Home insurance
Last year, a lorry took down the guttering and down-pipe on the outside of my house. I made a claim on the driver through my house insurance and it was settled in full by the driver's insurance company. I've never made a claim on home or contents insurance before. Do I need to declare this when getting new quotes for my…
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2 house insurance policies by mistake
:eek: I have only just realised when my annual renewals have came in that I have actually had 2 house insurance policies going for the last year. Both were being paid by direct debit and I didn't realise....Is there anyway I can get a refund on one as obviously I didn't mean to be paying for 2
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One call insurance
Hi all so I recently had an accident in my car no other vehicles were involved, but I did damage council property I phoned my insurance company to notify them of the incident and told them I didn’t want to make a claim because of there ridiculous excess which was 3k I know I should of paid for attention when I went with…