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HSBC Critical Illness Policy Sum Lowered
I've received a letter from HSBC telling me my critical illness cover would not pay out as much as originally thought so I either need to accept lower cover or increase my premium. I took out critical illness cover from our mortgage provider HSBC and have been paying £29.50 every month since 1995. The sum assured was set…
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V5C has wrong colour and I need to make a claim?
Hi all, I had a car accident earlier today, and I'd like to make a claim on my insurance, however I've just noticed that the V5C has the colour of the car as white when it's actually black. It's been black since I bought it and this wasn't mentioned when I had the MOT for the car done in August. Is my insurance now…
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Insurance refusing claim
:mad:In December 2018 my car was handed over to a garage for an engine repair and a courtesy car was dropped off. After a few weeks I contacted the garage who advised it was taking some time completing the repairs due to parts. A short time later I was stopped by police in the courtesy car loaned to us and informed that it…
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Life assurance declaration (retrospective)
Morning all, I took out a life assurance policy a few months back. I've recently taken out another (IP) policy with the same company and when comparing the declaration documents I am concerned I may have inadvertently missed something off the life policy declaration (question worded differently). Basically the question was…
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Buildings insurance for unoccupied home
I'm buying a new home, but before moving in we want to renovate it. Before renovation can begin the architect needs to do their work and a builder needs to be hired. Before the architect can begin, I need to complete on the purchase. I have exchange->completion insurance. I'll eventually get specialist renovation…
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Common building insurance
Need advice on this please? I am living in a building with other 7 owners. i.e a 8 flats building. We all had different kind of building insurance, someone pay £37, someone pay £50 and I pay £70 every three month, most of us has building insurance with the factor company. Recently they ask a survey company to do an…
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Blackbox insurance failed appointments - can I claim a discount?
Hi, I bought my first car at the end of October and chose to take out an Admiral Littlebox policy as it was the cheapest, wanted to get my premiums down by demonstrating good driving etc. I booked my first appointment to take place 1/2 weeks after I insured the car and picked it up, this was cancelled last minute due to…
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Lost engagement ring and wedding ring
I’m so upset! I’ve lost my engagement and wedding ring totalling up to £10,000. Its insured on home insurance valued at £14,500. The rings were bought 2.5 years ago. I still have kept the certificate and receipt. Last time I remember was wearing it at Bluewater shopping centre on Sunday, I never take it off in public. Now…
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Teenager advice
This is just a general question really, I have a teen who is now 17 and wants to start towards getting mobile after passing his test. Looking at some potential cars, obviously with the insurance costing an arm and a leg keeping it down is important. Looking at various supermini 1.0 cars of similar performance and…
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Lost engagement and wedding ring
I’m so upset! I’ve lost my engagement and wedding ring totalling up to £10,000. Its insured on home insurance valued at £14,500. The rings were bought 2.5 years ago. I still have kept the certificate and receipt. Last time I remember was wearing it at Bluewater shopping centre on Sunday, I never take it off in public. Now…
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Utter confusion re Dial Direct
I took out car insurance with Dial Direct in September. I have nearly 10 years' no claims' bonus. I had a minor collision ten days ago which was very obviously the other party's fault. My insurers got another party, IMS (Incident Management Solutions) to arrange assessors to come out to assess damage, give an estimate etc.…
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Excess query
If a claim is rejected after someone has been out to assess a claim do you still have to pay the excess fee?
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Pet insurance - Not enough cover - Any advice
Hi, We currently have 3 dogs, all of which have pet insurance. unfortunately, our oldest dog, a Jack Russell Terrier is poorly and the vet has referred him to have an urgent MRI & possible spinal surgery... he is not in any major pain at the moment, but if he deteriorates as expected then without surgery he will suffer…
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Whose insurance should I use on a non-fault car insurance claim?
I had an accident on Monday where someone reversed out of their driveway and into the side of my car. The driver who hit me has admitted full liability and there is no dispute there at all. His insurance company (John Lewis) are trying to get me to go through them to do the repairs. This way I don't have to get my…
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Insurance after the fact
I live in an oldish house (100 yrs +) and, like an idiot, forgot to renew my home insurance. Naturally, I have now had a pretty catastrophic leak in a flat roof, causing a great deal of damage. If I reinsured, now, would I have a chance of making a claim (i.e. would it be worth it)? I am currently off sick from work, so…
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Car insurance claim - MOT expired
Hi Hoping for some advice. My husband had a car accident last week. He swerved to avoid debris in the road from another vehicle and bounced off the central reservation causing a fair bit of damage. On contacting the car insurance, he was told that his MOT had expired and therefore he may not be covered. The bizarre thing…
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Cancelled car insurance
Hastings were the best price when doing comparisons. But and there is a big BUT . . . Hastings requested me to send in copies of mine and the named driver licenses, the email was sent on 28/11/19 giving me a deadline to send the details by 05/12/19. However I’m not very good with post and my phone is being fixed so I…
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Holiday cancellation - who gets the APD
We recently had to cancel a Saga trip to India because of family illness. AXA have been generally very good and have 'settled' & paid the claim within a month. However, Air Passenger Tax (£344) has been excluded from the settlement figure and they have directed me back to Saga who have said "we don't refund this anymore"…
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Medical Health Insurance
Hi, I would like to warn people who are thinking of joining CSHealthcare, a mutual medical insurer, NOT TO GO NEAR THEM. They are an organisation that provides poor healthcare cover, cheap service and they lurch from one crisis to another with an ever-falling number of members. In fact, they are dying, whether it be this…
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Idp
Hi everyone, Please accept my apologies if this is posted in the wrong forum. I will be driving my own car to cross France via the Eurotunnel at the end of next week (for two days) and I am unsure if I require an IDP (International Driver's Permit). Given we are still technically in the EU until the end of January 2020…
