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Life insurance application postponed
Morning, I have applied for life insurance cover and at the end of the application it stated cover could not be provided right now and I could reapply in 6 months. I think this must be down to the fact I have an open hospital referral. Is the 6 months a hard and fast rule? The hospital referral is next month (and it's a…
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Car insurance claim question
Hi, When renewing car insurance and answering the question about the cost of any at fault claims in the past 5years - is this how much you claimed or the total claim from both parties? If it’s the latter, I wouldn’t know. Can anyone help? Thanks :j
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Claiming for damage on car: worth it?
Hello all, I'm planning on re-selling my car and going without for few years as I won't be using it much. As I've (much cleverly - so save your comments already..) reversed into a wall, there's quite some significant amount of damage on the car and side panel. I haven't made contact for a quote but it is quite a…
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Car Stolen - Multiple Insurance Policies
Hello everyone. While my fiancee and I were traveling across Europe, we had our car stolen with all of our belongings in. I have car insurance which has reimbursed us for the car but we are having trouble with claiming for the contents of the car. I have home and contents insurance and two sets of travel insurance with…
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Joiner owners and payers
My sister and I both equally own our house and share the cost of our house insurance. The policy is very basic and does not have anything expensive such as jewellery or personal items lost or damaged when taken out. If my sister makes a claim on the insurance is it possible that this could have an adverse effect on my…
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Contract Unilaterally Altered
Hi all Not sure if I’m in the right place, please tell me if not. Approximately 14 years ago, I took out a life insurance policy, I believe I did it online through a major insurance company. I received policy, paid all premiums on time and received annual confirmation of payments and sum insured. Today, I received a letter…
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Refusal to honour car insurance quote by Halifax
I was looking at buying a car and got quotes through Compare The Market. The cheapest at £429 was Halifax. On that basis I went and bought the car and phoned Halifax to accept the quote. The email said the quote was valid for 30 days but I was told the quote wouldn't be honoured as I hadn't bought the car when I got the…
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Life Assurance Question
Hi all I have a question re Life Assurance, I took out a policy in 2009 which was a 17 year term so have 7 years to go under this arrangement. I understand if I die before the end then it pays out, but if I get to 2026 and I’m still around can I renew it and / or take out another policy with them or elsewhere? Plus my…
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Should I stay or should i go?
I'm looking for advice or opinions on my dilemma, so please forgive my long post. When my daughter was born I knew I was going to be a single parent (father lives on another continent and has never had anything to do with her) I was worried at the time if anything happened to me she would probably live with my parents. I…
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Life insurance declined for recreational drugs
Hi here! I'm 39 and the main source of income of our household, with a child, so I was thinking about applying for a life insurance. We don't have a mortgage as we rent. I looked for quotes on an insurance comparator, filled everything in, and as I'm a n honest guy, I admitted that I sometimes do recreational drugs like…
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Car on PCP written off but insurer not paying
Your advice will be greatly appreciated :) My car on PCP Finance was involved in an accident and upon the assessment by the insurance company, they wrote it off. As with insurers and not wanting to pay, they came back to me that I didn't disclose some points while taking the insurance and so they are not paying a penny. I…
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Protecting my holiday
My wife and I have just booked our summer holiday, and are looking for the best way to protect it. We are flying from the UK, to Dubai for 10 nights, then back home to the UK. However, we havent booked through a travel agent, instead we have booked the flights via SkyScanner and our hotel via booking.com. What is the best…
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Is policy wording supposed to use the term "cooling off period"?
Hello, This is my first post here. I am two months into my churchill home insurance and I just realized how poor the cover is. I cannot believe I got it, I guess that's the price for buying in a hurry. I am exploring my ways of cancelling without losing money, and I noticed the policy wording doesn't use the term "cooling…
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Business Van Insurance
Hi all, looking for abit of advice. I'm looking to get a new Van insured for our small business, as owner of the vehicle and business, I don't drive right now. I have someone who invoices me to drive for us so I'd assume his status is self employed. The questions I have, basically are we 'me and my uncle' Sole traders, as…
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Help with insurance cancelation
A few days ago driving from work a van hit my car from behind . I obviously reported this to my insurance company . What I did not realise was that my policy was social only and did not include commuting . As soon as I realised this I amended my policy to commuting and paid the admin charge to Go Skippy . A day later Go…
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Fined £475.50 for cancelling insurance within 3 days
Hi, I got my car insurance with a company called QuoteLineDirect 3 days ago and I decided to cancel it today. On the phone with them they said I had to pay a fee of £47.50 for cancelling. I'm aware this sort of admin fee is normal if you cancel normally, but I thought FSA guidelines had a cool off period (or whatever it is…
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Car Insurance Cancelled following accident.
In October I was in a major car accident, I'm still off work now. I haven't bought a replacement card yet, although I was about to. I have to drive for my job, so no car= no work. Today I received an email from my insurers (Hastings Direct) that they have cancelled my car insurance. There are no reasons given BUT one of…
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Ownership status with HP
Hi folks, Currently in the process of buying a new car on HP and looking at insurance quotes via comparison sites and a local broker. My question is how do you answer the question about ownership of the car when it is on HP? For example, on Go Compare the only option that comes close would be 'leased - company' or 'leased…
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Home emergencies insurance needed?
A friend of mine had a pipe leak from the bathroom above, and next thing she knows, there's a hole in her kitchen ceiling and water is coming through. It was expensive to repair. It got me thinking.... is there insurance against home emergencies such as this? I own a top floor flat and I don't think my basic contents…
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Nightmare! Wanted long stay travel insurance
Can anyone recommend a LONG stay (90 days) travel insurance for over 65.s. We do have pre-existing conditions under control. we are not wanting cancellation, baggage or anything else JUST for medical insurance. I have filled in umpteen quotes, but the amounts they ask in my view are astronomical, £650 and more! If anyone…
