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Car Insurance Excess & NCD
A couple of weeks ago I was hit by an unlicensed and uninsured driver who unfortunately wrote my car off. I am with Tesco Insurance and they quickly paid me out but minus my excess and my NCD is now put on hold too. I got a crime reference number as the driver disappeared off into the sunset although we did eventually find…
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Holiday Insurance- Can I do this?
Been looking at holiday insurance as we are heading to Las Vegas for 2 weeks later this year. Ive not had travel insurance since 4 years ago and I'm amazed at how high the quotes have come back. Situation is that my husband is 11 years younger than me but its him that has the pre existing medical condition to declare. Ive…
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MSE News: Potholes costing £1 million a month in car repairs
Potholes are costing drivers and their insurers at least £1 million a month due to massive car repair bills, according to the AA...Read the full story: 'Potholes costing £1 million a month in car repairs' Click reply below to discuss. If you haven’t already, join the forum to reply.
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Shed and garage fire
My nextdoor neighbour had a BBQ yesterday. She had it close to her shed. Her shed caught fire. My fence then caught fire. My shed then caught fire My garage then caught fire (it is thankfully a separate building (pitched/tiled roof) My shed is now only half a shed and the majority of its contents are either burnt or…
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Car Insurance NCB Uncertainty
Hi everyone, About 2 years ago I had a minor accident in a car park. Reported everything to the insurance and a few days later they informed me the other driver was trying to claim on the policy so I submitted my evidence (in my opinion he was at fault) and they said they would work it out. A few months later having heard…
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MSE News: Direct Line's new policy promises to protect your no-claims discount in certain scenarios
Direct Line is promising to protect its customers' no-claims discount if their car is damaged by something that wasn't their fault such as a pothole - but don't assume you won't pay more in the long run.. Read the full story: 'Direct Line's new policy promises to protect your no-claims discount from potholes and other…
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Admin error?
A letter was addressed to my home but to someone not known to me and who definitely does not live here! I returned it to the sender. A couple of days later home insurance documents arrived addressed to the same person, who does not live here, but for my house! I was, again, going to return to sender but then decided to…
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My fault car accident - telling insurance
Hi I had a small accident in a car park on Saturday but, because I want to limit any change to my premiums have been waiting for the other individual to provide a quote. This has been delayed and I am now concerned that leaving it any longer may prejudice my ability to claim if the costs are in the £000's. I think I know…
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Insurance on an import
Evening, I'm trying to insure my newly imported car. Its registered and I have the V5 with number plate and all supporting docs as well as being taxed. It shows on the DLVA database but isn't showing on any insurance database. I have found the same car (engine, colour, spec, imported) for sale with a recognisable plate,…
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preserving NCB when sold one car of two
I had two cars insured each with their own policy and 5+ years NCD on both.I took one off the road when the insurance ran out in July 2017. Since the remaining car is up for renewal and the NCD on the canceled policy is valid for two years can I use the old policy as proof of NCD when I renew so that it does not expire…
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Motor insurance and CCTV
Hi I am a regular poster on another thread and looking for advice I had an accident recently which the police attend by chance and they confirmed that the CCTV footage showed the other driver responsible The insurance company have stated that as the police have not replied therefore the claim will be classed as 50/50 I was…
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Car insurance cancellation - they won't let me.
I'll be as quick as I can, I just could really use some advice please. My husband had a car insurance policy with a well known company for many years which just auto renews every year. He had a major stroke 4 years ago and when he came home after a very long stay in hospital it was deemed that he would never be able to…
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Accident (fun fair)
Hello all, I need a bit of advice, My son had an accident, the attraction was a bouncy slide. He ended up with a fractured leg out of the incident and a weekend holiday wasted. The owner or operator was not interested, mainly spoke to other punters why overcrowded children played on the ride. I had to prompt the owner to…
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Ill health insurance?
Recently diagnosed Ca Prostate. After chemo. I will be having regular injections, but otherwise feel good. What do I need to do to cover myself. We always had European card . Do I need something in addition? thank you.* *
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Motorycle no claims set to 0 after licence upgrade
I have been riding a motorcycle on provisional licence for close to 3 years and upon passing my test informed my insurer. They advised my no claims would be set to 0 despite not having made a claim and blamed the underwriters for this policy decision. This does not seem to be an industry standard as other bikers have…
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Insurers pledge fairer premiums for long-term customers
The insurance industry has pledged to crack down on "excessive" differences in premiums for new customers and existing policyholders. The plan aims to iron out some of the controversial big differences between premiums for new and existing clients.The move follows new rules that force firms to display the previous year's…
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Will of Testament query
Hi, I'd like to ask a question about my dad's last will of testament. He's remarried, and his second wife has two children of her own. He's about to write his will, and he's wondering how it may be possible to make sure that if he dies first, his wife reserves a relative portion of his property for me and my brothers, and…
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Am I protected enough?
Whilst I am youngish and now single with mortgage, I’ve tried to make sure I am protected as much as possible with fixed premiums that are cheap whilst age is good - is this too much or just right? L&G Life Insurance with CIC - Level Term fixed premiums that covers mtg amount to age 70. L&G Income Protection - £2.5k per…
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Employee benefit - need life insurance?
My contract stipulates that my spouse will receive 6* my salary upon my death in service. Do I need to have life insurance to cover the mortgage this being the case?
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Alexa can affect home insurance!
It' not happened yet but if you have an Amazon Alexa or Apple Siri device in your home, it will one day affect your insurance. Why, well they both listen and record and analyse every word said in your house. Now imagine a hacker gains access to those records or Alexa directly it won't be that hard to know your daily…
