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RPI Indexed Income Protection
I contacted a broker to get an Income Protection quote. I wanted 2.5K/month cover with guaranteed premiums that were linked to RPI. The broker recommended the policy that had the lowest monthly costs, which seemed to make sense. However on reading through the Key Features it states that while the benefits go up in direct…
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Travel insurance maybe rejected due to illness?
Hello, Need some advice as i now worried my travel claim for cancellation might be rejected. After i booked the holiday, the next month i was being investigated for a condition. I was diagnosed with a condition but was informed i was fit to fly. Just few days before condition worsens and was advised not to fly and raised a…
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Car damaged while left in car park.
My car was damaged in an airport car park ( care parks -Toad park) in Manchester as they drove it to meet me at, nice surprise at midnight after holiday. They said they would sort the damage, however 10 days on numerous calls and unanswered emails, im no further on. I have therefore had to go through my insurer. I dont…
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UK holiday insurance that covers failed car hire pick up due to flight delays.
Flying Luton-Inverness. Picking up a hire car for a week and then staying in a selection of hotels. Total cost around £1000. Just want a policy that covers a cancelled or substantially delayed flight which means I would have to book another flight to say Glasgow and hire another car with a different pick up and drop off…
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Car Excess Insurance WIN!
The absolute best £11 I spent for my holiday! I just got paid back the £878.34 for the excess I had to pay on my credit card resulting from a minor incident in France. Details below... Before leaving for our holiday in the Nice area (Southern France), I carefully mined the Cheap Car Hire page for as much info as possible…
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Public liability insurance
I'm moving to a new home on a private road, which will be managed by a private management company in which each house owner will be a shareholder and director of the company. I'm particularly concerned to make sure I have the right insurance to cover me against any liabilities caused by e.g. accidents to children playing…
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Car insurance location??
Can anyone help please. I renewed my sons car insurance and at the time just finished uni andwas startin g an internship then going back to Manchester if not offered a job at the internship. Basically was at location A after uni then location B for internship but might be going back to C = manchester where was I supposed…
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Life, Critical Illness, Income protection insurance
Few questions about these please as are just getting round to sorting our cover out. My income is about £43k and partners about £30k We have a £200k mortgage between us with 29 years left. Trying to decide if it's best to get a joint or separate policies? Also for income protection insurance - they require you to sign on…
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Travel insurance
Ive just booked a special trip away for me and the wife to Japan, spending on Air bnb accomodation, Japan Rail passes and as its a special occasion, business class flights can anyone recommend a decent insurer that will cover this in case of a cancellation ? ive done a quick google but for business class flights, the…
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Multi Pet Insurance recommendations
It’s that time of year and as per most insurances it’s a mind field. For. 4 year old Lab and a 12 year old Westie both with no problems, can anybody point us into the right direction. Steve.
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House Insurance - Have we been 'Flooded?'
Hi, We live in a property that sometime ago (around 4y) was slightly flooded in the kitchen. This was due to the car park at the back of the property having a blocked drain which they did not rectify quickly. We were not in the property at the time, and have no flood concern whatsoever now. Does this need to be declared?…
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Going into employment 4 days before car insurance expires
So I'm unemployed at the moment, and that's specified on my car insurance policy (as well as social use only) I now accepted a job offer and start on the 7th, but my car insurance policy ends on the 12th. Will I be OK buying new insurance from the 12th, with update info, and leaving my existing one? Just wondering because…
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Building insurance: am I misunderstanding what it's meant to cover?
Hi, I'm looking to purchase building/home insurance and was expecting insurers to offer coverage up to the market value of the property (per mortgage provider's assessment of its value, which tends to be similar/same as the purchase price). However, I'm looking at TSB's building insurance product and they ask for the "cost…
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Travel insurance
Do I have to declare heart bypass surgery over 20 years ago on travel insurance?
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Which policy do I claim from?
My daughter and myself both have separate travel insurance policies. We were supposed to be going on holiday on Monday 5th Aug. Unfortunately my daughter is ill and in hospital so do I claim the full amount for both of us from her policy or half from hers and half from mine? Thanks.
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Charging interest on money already paid - legal?
Hi. I work for a company that shall remain nameless, but I have found out something I think is morally dubious at best, possibly illegal at worst. I would like to run this by anyone who may have more knowledge of the law. The company offers insurance and policyholders can pay their premium over 10 months plus a deposit…
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Electoral Register / Uni
When you have children at Uni, do you keep them on the electoral register at there home address (ie family home)? One on my children are staying / working over summer at their Uni city, then continuing Uni in September, as above keep them on electoral for family home? Advice please.
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Building Insurance
Hi, I just moved into a new house. It's 5 beds plus a box room. Should I put down 5 or 6 rooms. I have read somewhere box rooms are not considered as a bed room for insurance purposes? Thanks
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Car insurance - what claims to declare?
Hi - probably a stupid question, but when getting a quote for car insurance, is the question about previous claims only wanting to know about car insurance claims? Or do i need to declare times when I've called out breakdown and claimed on that policy? (Britannia Rescue and Autoaid, which is nothing to do with my car…
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Critical Illness and Income Protection
Hello, After discussion with some colleagues I have been reviewing my coverage and am concerned I am underinsured. I took out the polices back in 2009 when I had just started work, and have not reviewed them since. Essentially, how do I assess what level of cover I need from my policies? I currently have about £200k…
