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Disability Insurance
Hello, I'm trying to help my uncle (35 years old) buy disability insurance. I want to cover his salary (income protection insurance) and I want him to get a lump sum of at least 400.000 pounds so he'll be able to invest it and have his pot ready for his retirement as planned. I got several quotes for income protection but…
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Should insurer check you own the property?
My mother has just died. She lived in an annexe to our house, and in speaking to her insurer I found they have been covering her for both buildings and property. When they realised she had never owned the building they explained that she shouldn't have insured it and refunded that element of her premium to her estate.…
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Ongoing insurance car fire. Renewal
Hello everyone I would like some advice please. My BMW set on fire a couple of weeks ago and my insurance took it away but havnt heard much still waiting for an inspection to be done. In the terms and conditions it looks like they won't cover mechanical or electrical fires. I have bought a new car and I want to get a…
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Car insurance renewal - Change of address
Hello Just wondering if i could get some advise regarding my renewal. I need to renew my car insurance by the 29th and I'm expecting to complete on a house 1 week later. I'm not sure if I could get away with putting the new address down on that policy rather than ringing up and changing to be charged to update the address?
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Put learner driver on new policy or wait?
I am buying a car today for which I will be the main driver but it is intended as a car for both my daughter and myself. She is taking her driving test in 3 weeks and I am not sure whether it is worth putting her on the policy now as a learner, then changing her status when she passes her test. I understand that it is…
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Retirement and critical illness cover?
Hi everyone - I wasn't sure whether to post here or in the planning for retirement board, so apologies if this is in the wrong place! I'm looking to retire early in August of 2020 and evaluating my finances in preparation for the big day. I have critical illness cover which I have been paying for about 25 years now and…
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Travel insurance
Hello. We have a world trip booked which is 92days in length and I’m struggling to find an annual policy that covers up to that length and to include my asthma Can anybody recommend a company to us please . We are 61 /60 so the young backpackers isn’t an option
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Which company am I with?!?
Hi........ Having moved house we wish to inform our insurance companies of this fact but (somewhat embarrassed!) we cannot find anything that shows what company my wife's car is insured with! The MID shows us that we are insured but........ not the company we are with. Being aware that we would certainly have a claim…
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Car paint Insurance
My 18 year old bought a car last week. Her invoice show £800 for Wheel and paint insurance, she does not need this cover is there a 14 cool off on this insurance?
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Car Insurance Address Change
Hi all. Hope you've all had a good Christmas! I'm looking for advice on the car insurance front. My car insurance needs renewing on the 1st of January. I am due to change my address on the 3rd of January. I am unsure weather i should just order a new policy with my new address, as they may argue i am not insured if i have…
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To claim or not
Looking for some insurance advice I'm a PH taxi driver, whilst picking a passenger up on a side road, a car eversed of a drive into the front of my car, smashing the headlight plastic, with a few scratches around the front bodywork. The driver initially claimed she didin't se me, although I bibbed my horn to alert them of…
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Landlord Insurance - Buildings Cover Amount?
Hi I am dealing with my mum's affairs. She has a 4 bedroom top floor tenement flat that she rents out to a family and this has been in place for >5 years. Her Home Insurance is building cover only with Sainsbury's. I notice the Buildings Insurance is "unlimited sum assured" which I would have thought is unusual? How should…
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Third party car insurance claim.
Hi all, I have been sued by my insurance company and need of help how can I sort it out. Case, 1.Involved in a crash in a quiet road. 2. Been to police station,got charge of drink driving . 3. Been to court and plead guilty of drink driving. My insurance company asked me to reimbursed the amount that they paid to third…
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Is it beneficial to put myself on my parents car insurance even if I won't be driving?
I've currently got a couple of years left of my degree and I won't be driving during that time. Is it worth putting myself on my parents car insurance for a short period of time to build a no claims bonus etc.? Does that even work? Would just a day a year be enough or does it need to be longer periods? Thanks I'm advance.…
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Car insurer paying for hire car - who would pay damage excess?
I unfortunately got my car nicely wedged in the frame of my garage door the other day, and am making a claim on my insurance, who are dealing with the repair themselves. The insurance comes with courtesy car cover, but as they didn't have any cars available, they are paying Enterprise for a hire for the duration of the…
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EU based insurance company and Brexit
My annual travel insurance policy is with a company based in Ireland. They say they have plans in place to continue cover when Brexit happens but haven’t disclosed the extent of that plan e.g. how long? Features 100% covered? I am going to Africa for 2 weeks on 31 January 2020. I need to have cover. Should I buy another…
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Travel insurance claim rejected
I have recenty had to curtail my overseas holiday due to illness, but my claim for reimbursement of costs from my travel insurer has been decline. Can anyone advise if this is reasonable based on the following: * I was on holiday in SE asia, and began to feel unwell almost immediately upon arrival. * I felt progressively…
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Gadget Insurance Denied
Hi, Three weeks ago my phone got stolen whilst I was out. I had insurance with a third party company, but informed the provider (EE) that it has been stolen within minutes to get it blocked. Also informed police and got crime report. Called insurance morning after and claimed on it, they said all was fine. Sent insurance…
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Travel Insurance for extended holiday for 68 yr old
I am planning a trip to Australia for approximately 10 weeks starting at the end of February. I am 68 - Can anyone give me some help on which companies offer good value travel insurance which will cover that trip - either within an annual policy or as a single trip policy. I have two existing medical conditions -…
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guarantee on rebuilt wall
Hi Folks, My mother's garden wall was destroyed by a car! It was covered by her home insurance and eventually (6 months) the work was finished. The chain here is Nationwide...Royal Sun Alliance...Building Validation Solutions....Contractor. I am seeking to establish how long a guarantee we can expect on the work. BVS say 1…
