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What counts as a home insurance claim?
I'm just sorting out home insurance and I'm wondering what constitutes a claim, as you have to insert all claims you've made on your home insurance in the past. We currently live in a 2 bed semi with one toilet. A couple of weeks ago, our toilet stopped flushing. We used home emergency to get a plumber round and some parts…
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Appliance / white goods insurance
I have been contacted by phone by two companies offering me appliance insurance (washing machine, freezer etc). Wear and tear breakdown is not covered by my contents policy. Rather than accept one of these offers on impulse is there somewhere that I can go to see what is good value for money cover for such circumstances?
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Death Cover life insurance, which policy for mortgage cover - Advice needed plesase!
Hi all, My friend and I bought a house together just over 10 years ago and took out a decreasing death cover policy to potentially cover the mortgage (through our mortgage broker at the time) which is approx £50 per month between us, we were both smokers at the time however have both given up approx 5-6 years ago. I also…
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Critical illness insurance - private and work policy
Hi there, I'm currently fighting my private critical illness company, as they've rejected my claim - it's currently with the Ombudsman! However, I've just had my P60 through from work, and one of my benefits through work is also CI. Can I/should I also pursue the work policy payout?
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Direct Line Contents - Accidental Damage
Good morning all, was just after some advice from the insurance group's amongst you! Last week I damaged my laminate flooring moving a sofa, luckily I had some spare materials and managed to repair it myself for free although it took the best part of a day to complete. My friend asked why I didn't just claim on my contents…
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Car Insurance NCB and alleged claim
Hi MSE's After a little advise please. I have had my licence 14 years and also have protected no claims. I had never made a claim, but, I managed to clip a kerb the other year, shredding two tyres. I contacted insurer, but after a chat and weighing things up, it worked out cheaper for me to sort myself due to the excess,…
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Should I go to court to defend car insurance claim?
Last year I had an extremely minor accident at a set of a traffic lights. I took my foot off the brake and my automatic rolled forward - extremely low speed. The other driver said they were fine at the time but then subsequently filed for £6k damages to car, and around £4k in injury claim for themselves and their…
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Car insurance advice
My car was written off in April last year. As with most insurers I had to keep paying the rest of my policy, but it was only until June. I've just found out that my insurer automatically renewed the policy, even though the car was a right off, and over the past year I've paid over £1000 towards it. Not only that, the final…
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Protected No Claims Discount
After nearly thirty years of motoring, when I have made no claims on my car insurance, my wife damaged my car and I claimed on the insurance. I have a protected No Claims Discount and was advised I could make two claims in three years. Do I have to declare that claim when looking for quotes from other insurers at renewal…
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Buying or renewing travel insurance when FCO advice not to travel applies?
Surely any policy already held or any one purchased now for leisure travel will be void for any Covid related claim until the FCO relaxes/changes its advice? I don't have one now and can't see any point in wasting money on buying one. I have no trips booked.
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One Call - unfair cancellation
Insured car with One Call 30 April. Partner now buying new car and wants to use his 9 year + No Claims Bonus (NCB) against the new car and we found that you are not allowed to use the same NCB on a second vehicle. Called One Call to make a change to existing policy (can't do this sort of change online) - of removing the…
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Using comparison sites for car insurance
Has anyone ever had any experience where they have claimed for a lost car key. I understand this needs to be declared as a claim, however there are no options for this on comparison websites. Would anyone have any information on this or encountered this
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British Workmen's Friendly Society
Hi I would be grateful if anyone could point me in the right direction to contact the company now responsible for a life insurance policy issued by the British Workmen's Friendly Society, 122 Colmore Row, Birmingham - the policy was taken out in my late mother's name in 1959 and I have so far been unable to find out who to…
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Down to one car - how to maintain 2 NCD's
Our second car is now at the end of its life and we are thinking that we don't need to replace it. We both have individual car insurance policies. Obviously only one person can insure the remaining car. The question is - is it possible with one car to maintain both our no claims discounts? Perhaps we can alternate renewing…
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Covid 19 Car Insurance Refund
A number of weeks ago I had a letter from Direct Line regarding miles driven during lockdown for a refund to be given. I advised them of the very paltry miles I was driving and they promised to get back about a refund. I haven't as yet had a letter or email but have had the grand sum of £10.08 refunded to my credit card.…
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Car Insurance Advice Help please?
Hello, I was involved in a car accident on 25th December 2019. My handbrake failed as I got out of the car to scrape my windscreen it rolled back throwing me to the ground (as the drivers door was still open) hitting a parked car before coming to a stop. My car was taken by my insurer for repair on 26th December 2019. As…
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I always thought that your current car insurance supplier would be more expensive?
For the last two years my current car insurer has been the cheapest. Each time I shopped around they have beaten the lowest price from the major price comparison websites.Is this a change in how Insurers operate?
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Car insurance claim through a broker after the accident happened
A couple of weeks ago I crashed my classic BMW, caving in the whole front of the vehicle. Luckily no one was hurt and no other cars were involved and I managed to recover the car back to my drive. This has been my pride and joy for many years and I can’t describe how devastated I am. It has also come at a terrible time, as…
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Payment towards LIfe Insurnace towards mortgage
HI I am paying towards the above as this in case something happens to one of us the mortgage will cleared but not sure what will happen to the balance as my flat is under a shared owner scheme I not have much left on the mortgage thus was wanting to now if i should cancel the monthly payment thus not pay toward something…
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Land Lord - unoccupied home insurance
Why do some insurance company refuse to insurance unoccupied property ? . Our rental property is empty, we are in process have finding new tenants or selling the property And the insurance is due very soon and having the following issues: a) Am find that some insurance company do not insurance unoccupied property b) One's…
