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NCB - 2 cars question
Hi guys, hope someone can help. I know I can!!!8217;t use the same NCB on 2 cars, my query is - looking at buying new car this weekend. If I stay with my current insurer then I know it!!!8217;s not really an issue to substitute my car, but their quote to change to the new car I like is quite high. I!!!8217;ve found that…
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Personal Injury Advice please
I've recently had a really nasty accident whilst visiting my Union's offices for an appointment. I tripped over a very small step which was not marked as a hazard and there were no signs. I have contacted solicitors who say I have a good claim and that my injuries were significant. However, I am now being told that the…
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Courtesy car accident
I was loaned a courtesy car while my car was having a service. Another driver rear-ended the courtesy car as I was stopping for traffic. There was damage to both cars, but not serious. My garage charged me £500 excess. Can I claim this back? I assumed that my garage would claim it back as part of their insurance claim, but…
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Should I appeal scooter insurance valuation for theft?
Hi all, My scooter was stolen in January 2018 (Honda Forza 125, 2016 model, approx. 22,000 miles on the clock). In February 2018 the bike was recovered, my insurers took a look at it and stated it's a category N so I'm entitled to a full payout. I've received their offer of £2,685.50 and I'm not sure whether to appeal it,…
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Car stolen, insurance company say it's even written off!!
Good evening one and all, I'm really hoping someone can help with this predicament. Our car was stolen. Land Rover Defender, they are being stolen daily! Anyway, it's gone, never to be seen again so we are going through the claims procedure. Loss adjuster spoke to us last week and he is telling us the car was written off…
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Private Van Insurance
Hi, I'm new to the forum so just hoping for some pointers about private van insurance. Can anyone recommend a good insurance company that offers reasonable premiums for private van insurance. I'm doing online comparisons for a member of my family and I don't understand why the premium is so much higher now that he has…
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Car insurance saving!!
I’m so happy. Managed to save over £1200 by shopping around for car insurance. My renewal was over £1700 (£900 up ok last yr!) for a 59 reg, 1.6 focus. Nothing has changed since last yr. No convictions, points, 13 yrs no claims absolutely ridiculous! Quoted over £500 fully comp with £0 voluntary excess with direct Line.…
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why should I be worse off?
I was sitting in stationary traffic minding my own business when a woman behind me slammed into my car and shunted me into a big van in front. Police were called because the road was blocked and paramedics came for me cos I was battered and bruised. The woman admitted straight away that she thought we'd started moving and…
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Stolen car
Bit of a long winded one, but I hope someone can offer some advice. A couple of weeks ago my car was stolen, a week later it was found, CID were involved because of the level of violence that they've used the car for, armed robbery being just one, for a week some scumbags have terrorised the local area. They police advised…
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Trust fund and Inheritance
Hello All I'm looking for a little advice or even pointing in the right direction to get the advice I need My ex-wife and mother to my three children died 7 years ago and left in total around 110k which since my ex BIL was a financial chap we mostly loaded into a trust fund, and investments etc . we nibbled away over the…
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NCD issues
Hi all, I insured my car with AXA for a year, then moved onto Admiral which I was with for 2 years. When I got my NCD certificate from Admiral it only mentioned the 2 years I was with them for, not the previous year I was with AXA. So, I can only prove 2 years no claims, not 3. Has anyone else had a situation like this?…
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Income Protection Insurance - T&Cs
I'm looking to buy income protection insurance. Broker found me an insurance that will cover me until retirement should anything happen. I'm looking at T&C's though and the only definition about what would be covered is: "Incapacity Any illness or injury occurring during the cover period for which you seek treatment or…
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Car on fire and insurance won’t pay
Hi All, My car was on fire while I was driving it, the insurance are asking for service history which I don’t have as I used a local garage to do a minor service just once as I only had the car 18 month ago, car bought from main dealer, insurance won’t pay even though it was fully com policy, please advise. Many thanks
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Life Assurance: Discretionary Trust 10-year anniversary periodic charge
I am setting up two level-term life assurance policies for my wife and I, and we wish to place them in trust to avoid inheritance tax. The most common and preferred type of trust is the discretionary trust, whereby trustees are appointed to decide who benefits in the case of a claim. We each want two trustees, firstly each…
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Missold insurence.
Hi Team I need advice please.NEW TO THIS GROUP. So basically I took out a policy to pay of my mortgage at the end of it's term. I phoned Scottish provident to see how much I had on the policy because I wanted to change from an interest only mortgage to a repayment mortgage and because . Scottish Provident told me it was a…
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Someone has made an alleged car insurance claim against me, i was not there! Help.
Hi, I'm new here really need some advice, Someone has made a car insurance claim against myself. Saying i hit there car, I don't know nothing about this alleged claim! My insurance has contacted me, informed me of the allegations I have denied. Now they are requesting all sorts of papers with I have given to them, arranged…
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Car Insurance after Accident
I'm hoping to get a little perspective if possible. I was involved in a car accident November 2017 where I accepted liability. There was another car involved and one other party. My insurance renewed before the 3rd party settled. The advise of my insurer at the time was to renew with a preliminary estimation of the claim…
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Travel insurance - new medical condition
So I'm going on holiday next week (to the US, in case it's relevant). I have a pre-existing medical condition which was declared at the time of taking out the travel insurance nearly a year ago, all good so far. I've just been diagnosed with an overactive thyroid. I'm not going to cancel the trip for that (I've been living…
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Top Cashback - Aviva
Wanted to make people aware of this deal. £60 cashback from Top Cashback website on insurance. Ive used it twice now, firstly for my wife's car and now my own. Huge savings on my own insurance. I was going to be £232 to renew with my current provider. Aviva are £154 plus I'm getting £60 cashback, so £94 for the year on…
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Hit by a Foreign Driver
I was hit by a foreign lorry driver when driving around a roundabout. I was on the inside lane and he straightlined the roundabout, consequently crushing my car in the process, despite the fact I was actually stationary when the crash occurred. I've received substantial damage to my car (bumper and wing mirror ripped off,…
