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Standalone garage insurance
Does anyone know if I can get standalone garage insurance for my private garage at home? My house insurance does cover it but its not sufficient, there is a limit to the amount I could claim and it would barely even cover the cost of replacing the doors, let alone any tools etc. My insurer will not increase the level of…
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Life Cover for Shared Ownership properties??
Hi I have Life Cover with Royal London which my shared ownership broker arranged. It seems very expensive at £33 per month £396pa. When I google life insurance cover some say from £5pm etc! My question is would that cover me on Shared Ownership or is it a different form? I bought a 25% share in my flat with a mortgage, the…
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LV Critical Illness Claim - over a year old and still awaiting a decision
Can anyone on here help me please... In Oct 2017 I had a seizure in my sleep and was put in an induced coma, having spent a week in intensive care I recovered and made a claim on my LV CIC policy in Nov 2017. The policy document allows the seizure (bleed on the brain) to be claimed as a minor condition which is a partial…
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Auto renewal
I am becoming increasingly exasperated with the tendency for insurance companies to require default auto renewal when you buy a policy. It has a feeling of another miselling scandal to me. I bought a travel policy for my daughter from MSE researched Leisure Guard 12 months ago. The policy cost £24.66. This week they sent…
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Joint life insurance with parent (Trust)
I have a joint (first life) life insurance (no critical illness benefit) with Zurich with my mum to cover a joint mortgage. I added myself to the mortgage as she was not able to obtain the mortgage amount on her own due to her age. I wish to place the policy into trust to avoid potential IHT, but the Trust document on…
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Home insurance previous flood damage
Following the nationwide floods in 2007 our house was found to have secondary? flooding (we bought the house in 2013). The damage was discovered in 2008 by the previous owner and she claimed on her insurance (over £60,000) resulting in membrane being put under the house, new floors, carpets, kitchen and bathroom. When we…
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Phone on finance - can I insure it?
Hi, May be a bit of a stupid question, but it's something I'd like to know the answer to. I just recently purchased an iPhone XS on finance though Apple's 0% financing etc. Am I able to insure the phone and make claims? Would the finance effect any claims I may make?
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Can i insure my 7 month old iPhone 7 with anyone?
i just bought a 7 month old iPhone x off ebay from an ebay store it is in good condition with no faults, after checking it ha 5 months apple warranty remaining i read the MSE article on gadget insurance but the insurers that are said to take on older/sed devices, once i called, dont, e.g. Gadget Cover so i was curious if…
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Insurance of gold coins
I have some Sovereigns and Kruggerrands which I would like to include in my home insurance but my insurer wants a valuation every 3 years. To me this is ridiculous. Their value is dependant on the current gold spot price which fluctuates constantly so any valuation is incorrect. Mainly though, the cost of getting them…
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Comparison websites – Avoiding your personal details being shared
Maybe I’m being overly paranoid about this, but bear with me... I need to help find a home & contents insurance quote for my elderly mother on her property, now obviously I’ll be using the comparison sites to get a the best value quote, and I appreciate that there are check boxes to tick so that your personal data is not…
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Moving House - Insurance About to End
Hello All, We are due to move house in February. Unfortunately our home insurance if due for renewal at the end of December. Does anyone know my options? If I renew now it seems silly to have a 12 month contract only to end it after just over a month. All seem to have fees associated with them. I assume I could also…
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How to find a non TIF group travel insurer
I’m with Holidaysafe but want to cancel and take out another travel insurance before we travel in February. I’ve started looking but am unsure how to find insurers that are not part of and do not use TIF group. Do I need to ask each one? Leisure Guard Travel have just assured me in an on line chat that they do not, but how…
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GoToGate Insurance Claim HELP
I booked some flights via GoToGate: Two connecting flights outbound with Cobalt Air and a single return flight with EasyJet. The day before we flew out on holiday Cobalt Air went under and we had to quickly book other flights to get out to our destination. Fortunately we paid GoToGate on our credit card and can claim on…
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Penalised for named driver having a non fault accident
I have Fleet insurance for 3 vans, which are driven by myself and 2 named drivers. One of the named drivers was involved in a non fault accident where she was hit from behind while stationary. The driver that hit her claimed on his insurance for the damage to his car as well as the damage to my van. Since then I've changed…
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Contents insurance paid after leaving
Hi I was in the process of changing bank accounts today and cancelling a few direct debits when I rang contents insurance on a property that I moved out of five years ago but sold 4 months ago and have been paying contents all this time in an unfurnished property anyway I asked the guy to cancel policy as I sold property 4…
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Will new insurance provider lower premiums once NCB is reinstated?
Hi all, I was hit by a driver who failed to defrost her car late in October and the case is still being disputed. Given the photographic evidence I have, I'm expecting it to be resolved in my favour. As my current insurer has had to cover for the repairs to my car while the case is sorted out, I've lost my NCB for now. I'm…
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Is it worth being in a Union these days when I have legal insurance on my home insurance
Thinking I would only use them for employment disputes in a real emergency, so wondering whether to renew my union membership next year in case of grievances/disputes. Surely, this home insurance and early conciliation via ACAS would cover it? Advice Please....
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House insurance -Enquired but never claimed increased premiums
Hey, Just going through my house insurance and followed all the recommendations on here to get a cheaper quote. I made an enquiry last year about claiming for escape of water damaging a small 6 inch part of a wall. It turned out that it was a problem with our shower which wasn't covered and therefore, the claim was closed…
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Joint Life Insurance in Trust
We are an unmarried couple with a mortgage and 2 joint life decreasing policies to cover the mortgage. I am wondering if there is any benefit to putting the policies in Trust? From my reading, my understanding is as joint policies, they would both pay out the a surviving partner (assuming >30 days survival). Is this…
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Confused.com question?
When filling in accidents / incidents etc, confused ask for cost of claim. So, a accident where the final decision was "non fault, fully recovery made" where the other insurer pays all the costs etc, is zero the correct answer? Also, a windscreen where a chip was repaired, which cost me the excess £10, is £10 what fill in,…
