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My insurance cancelled before my policy starts and now I don't know whether to go elsewhere.
I'm with Hasting's Direct and I had a policy due in a couple of weeks and I woke up to an email today saying my policy is canceled because of my online activity - namely getting quotes with different details. While it is true, I had gotten quotes with different job titles that could all describe my job and also some dummy…
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Legal expenses claim
We took up house insurance including legal expenses 1 April. We just opened a claim for a matter that started in early April and (tried to resolved it informally but it didn’t quite work). Insurance is assessing if they will approve it to go further and they asked for some documents etc which is fine. However, they asked…
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Flood from upstairs flat. Who should claim?
Hi there, I'm looking for some advice. The flat above my brother's has 3 leaks (from the bath waste pipe) and he arrived home last night to find his bedroom ceiling had split open and water everywhere. He owns his flat but upstairs is rented. The landlords haven't been much use so, as it's my brother's flat that is ruined,…
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How long should insurance take to settle
Had a bump on 5th August, car taken to garage and two days later was written off by insurers as costs to repair too high. They collected the car the following day and took to their own compound. I'm now waiting for them to tell me what they will pay out by their assessors (up to the crash the car was in great condition,…
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Insurance Company want proof of car sale
My mother sold her car about six weeks before her insurance renewal date and because there was so little time left on the policy we didn't inform the insurance company. This week she has received an email with details of the automatic renewal. She emailed the company stating she the car had recently been sold and did not…
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Deceased’s buildings insurance
My mother passed away in Feb and we moved in to her house in May. The house insurance is due for renewal but the current provider, the AA won’t insure us as the title deed hasn’t yet been transferred into our names as per her will. Probate has already been granted and I am the executor as well as joint beneficiary. It’s…
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Summer house/shed insurance
Hi all, I am having a summer house built shortly and want to insure it and a new shed. It would be very very difficult to remove but you never know! There appears to be options available on compare the market specifically for this type of thing but I don't trust that website because prices tend to be inflated. Some people…
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Self employment insurance question
Hi all, Just a quick one... So I’m self employed, I have been for 5 years and it’s only just dawned on me to take out insurance for obvious reasosn that havent always been so obvious 😅 I’ve looked into the online quotes and every time I answer yes to having a criminal record my quote comes back with no insurance policies…
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Car “written off” in France
We were bumped at at roundabout in France. Damage appears cosmetic - broken light casings, bulbs still work, scratches to the bumper but the insurance underwriter are saying the car is a write off. It’s an old car (2006) it looks repairable - does anyone know what our rights are? The other driver was French and admitted…
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Being Priced Out Of Insurance Due To Open Non Fault Claim
Involved in a bike smash in UK, significant injuries to me only. Clearly the other driver’s fault, witnesses, no mitigating circumstances etc. Police found the driver highly likely to be guilty of driving without due care etc and told me in writing, as a friend in the legal profession said, gold standard in terms of…
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Dumb car insurance question
Got 2 cars, 1 that is the main family car, 1 old banger that my partner is learning to drive in. Me and her brother are both named drivers on her insurance. Selling the main car at the weekend and just keeping the banger for us both to drive until partner has passed her test. I'm having a dumb moment but what do I do…
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Not Happy with 50:50 Fault
Hi all, I was hit by a car in March this year. My insurance company quickly settled on a 50:50, despite me saying at every step that I believe that I was in no part at fault. I made that very clear and maintain to this day. Since March I've been chasing them and chasing them. They did give me cash in lieu of repairs. But…
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Block Policy Buildings Insurance Claim reveals Mis-sold policy?
HI, We recently made a claim on our buildings insurance which is on a block policy basis with our neighbour (ground floor/1st floor maisonette). We were advised by our insurer (The AA) that even though they underwrote the policy, they assigned Lloyds Bank as the Claims department - We started the policy in Sept 2019 and…
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Pay monthly motorbike Insurance for 16 year old
My son is looking to insure his moped and can't afford to pay for the insurance in a lump sum. To pay monthly the insurers want him to be over 18, as it's a credit agreement. He has two jobs (+ college) so has an income source, but paying for his moped, CBT, appropriate outerwear, driving license + tax has depleted his…
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Life Insurance won't pay out
Hi Can someone advise? My dad had been paying life insurance all his life when after a long illness he died 2 years ago. Since then my mum informed the company of his death and was expecting a payout when the insurance company refused because my dad had not put who was the beneficiary so no one has received it. Surely this…
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Insurance Excess rulings?
Hello, After some advice, around 7 weeks ago i was involved in a minor no fault car accident. Usual exchange of details etc but no witnesses. I contacted my insurance (Adrian Flux so a broker) to report the incident and was informed i had two options: Option A: Pay my Excess (£400) and get the car repaired straight away or…
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My insurers intend to recoup costs of my repair from neighbours
There is a long thread here where I describe what happened to me and my house after my neighbours house (semi to mine) caught fire. My house suffered considerable smoke and water damage and roof damage. I now understand my insurers are going to seek "compensation" from next door. This raises some questions which interest…
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Car Written off Then I moved House
Hi, This is a weird one and annoying... My car was written off on the 24th August by another driver and on the 25th August i moved house. The car was taken away by the motorway recovery people and i never saw it again. I called my insurance company explaining that my correspondence address has now changed. They informed me…
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Claim or not on Car Insurance
Hi I need some advice as to whether to raise a claim or not. Standard accident - someone hit me in the rear. I gave details as information only to my insurer who deem it as a no fault claim to me (claim not raised as yet) I need to get the car assessed as to whether its damaged and safe to drive. If I claim and its deemed…
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Income Protection or?
Hi, Husband & I both have life insurance (outstanding mortgage + 10y of salary). I have income protection through work, which pays 50% of salary after 13w to retirement age / death if I fall ill. We have x2 young children and I'm just looking at how we can best protect ourselves. From what I have looked at, it would be…
