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'Unfair' Renewal Pricing
Interesting case study published in this month's FOS newsletter, an elderly gent had blindly renewed his home insurance via the same insurer for 15 years. Increases after year 5 averaged 15% per year, the FOS ruling is below: "We told the insurer to refund the difference in premiums, with interest, for each year between…
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travel insurance; over 80 with a few medical issues
any ideas of decent insurance companies for my elderly father has an old stroke, diabetes, glaucoma etc etc. Need a sensible company who understand these issues and quote reasonable prices. Many thanks
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Indemnity Charges
I am in the process of completing a claim for my mother's life insurance and am now needing the indemnity form to be signed and witnessed. My sister has already done this with her bank and had no problems, but on going to my bank (the same bank just a different branch) I was told there will be a charge based on the sum of…
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Car insurance auto renewal
Hi, I have a question about car insurance renewal policies. I currently have a policy with admiral that we purchased last year and I paid the premium in full for the year. I put admiral note in my diary to do a comparison for when it was due for renewal and have been waiting to get either a letter or email with my renewal…
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driving while unfit through alcohol, drugs insurance claim voided
HI my name is Konrad , a while ago my wife had an accident on the road after the accident she failed the breath test by 0.15 after a couple of hours she had a blood test done and that one was 0.50 which is within the legal limit. Police did not take the case to court for drink driving but the investigation is in progress…
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Can I claim on house insurance?
Ok first post. Need help my neighbours have a leak due to my flat roof. We have joining flat roof they have had their side redone few years ago mine not been done can't afford to I know it's in bad shape just over 2 1/2 years ago I did have a leak my father came round looked and put tarpooling over temporarily and was…
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Listed building insurance
Any advice on insuring a B listed building in Scotland? A 270 year old Georgian townhouse. I've come to the conclusion it wont be straightforward and we'll need a specialist insurer.
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Car insurance, what counts as declined ?
Hi My friend has been unlucky enough to have had 3 claims in the past 2 years, 2 non-fault and one still open (wasn't their fault but think it will end up settled 50/50 as insurers do). Their protected NCD not yet affected unless they have another claim. No dodgy activity, or injuries or fraud or anything bad suspected.…
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Income Protection or Permanent Health Insurance
Hi Can you suggest or recommend proper income protection (also known as permanent health insurance - PHI)? I've recently purchased a property (mortgaged) and would like to get covered as things happens in life in the most unexpected moments. When I contacted some (recommended by MSE) brokers they usually wants to sell me…
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Insurance question help!!!!
Hello everyone, I’m new here and was wondering if anyone could help me? Just after new year I had another car crash into the back of me, after a lot of phone calls etc with insurance I managed to get it fixed through one of their garages. However I’m still having problems with them trying to claim back the money I’m owed…
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travel insurance after operation in january
hi looking for travel insurance for me and my Husband for 1 week in Turkey. Bit of background Im 56 no medical conditions and not on any medication. My Husband is 58 , he had hip replacement on 23/1 . He ended up with general anaesthetic due to them being unable to insert epidural. his hip healed nicely but hes been left…
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Single trip cover for my 4 year old travelling with grandparents
Hi, My daughter is going to Spain for a week with grandparents and I am struggling to get cover with well known insurers as mother and father not traveling with her. Grandparents have own cover which does not cover her and we have family cover if we are all away together. Able to get cover from insurers not heard of but…
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Family Annual Travel Insurance
I am looking at taking a family annual travel insurance policy. We are looking to go away as a family during the summer and then both my wife and I will be going on separate trips later in the year. A family policy does cover trips where just one member is traveling doesn't it? I haven't seen this explicitly stated on any…
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Thomas cook Travel Insurance Puzzled
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Car Insurance Issue
Just over a month ago I was hit from behind at a roundabout. I took their details and took pictures. This week I have been contacted by the insurer to say that they want to go for 50/50 as there is no proof that I didn't reverse into the other car!!! The other driver is insured by the same insurance company so I'm sure…
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Building Insurance Claims
Hi, my chimney stack has let water through the roof and has damaged the ceiling upstairs quite badly. I can't find anything specifc about the insurance covering repair of the stack, the builder thinks its as a result of the stack needing pointing. Has anyone ever made this type of a claim? Many thanks.
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Travel insurance question, who pays?
If I book a holiday while I have multi trip annual travel insurance and then some months before the holiday change to a different travel insurance provider. If I subsequently have to cancel the holiday due to a valid (insured) reason who do I claim from? a) the insurance provider I had when I booked the holiday or; b) the…
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Tenament in Scotland
Hi Guys, my parents have asked me to help with their home insurance renewal, they stay in a top floor tenement flat and the question is does the rebuilding cost of the house only cover their property or do they need to take into account other flats i.e. if whole building burns down and it starts in their flat? Thanks, Andy
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Income protection insurance
Seeking a combined policy. Was quoted £24 via a broker until full application. I disclosed muscular back pain because I have been to the GP and was referred to an NHS chiropractor. No treatment was ever given it was just a consultation because they contacted me 6 months after I went to the GP by which time I had paid for…
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Insurance policies with incentives
Does anyone have any knowledge of Buildings/contents insurance that may come with some incentives such as gift cards or cash back etc? For example, when using SSE as an energy provider, they gave us £100 worth of high street vouchers for signing up with them. Anything similar for the above mentioned insurance?
