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Building insurance - VAT and improvement
Hello, We have had storm damage to the house on our conservatory roof which is polycarbonate and needs to be replaced. It has all been agreed and a figure given to us to get the work done net of VAT and we have to claim the VAT back afterwards with a VAT receipt. This is all fine however we wanted to pay the extra to get a…
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Car Insurance - Commuting or SPD
I think I might have put this in the wrong section before so apologies. I'm hoping someone is a lot clearer on this than I am. I have never needed my car for commuting as I walk to the station and travel into London by train however now I have moved house and work from home 98% of the time meaning my car is hardly used.…
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A insurance claim on the house we are buying two years ago
So in the TA6 form, the seller (executor of a private property) said that there was a insurance claim due to water cistern cracking and caused a leak onto mainly the kitchen and partly the dining room. We asked for a bit more details, but the seller said he does not have any. And only knows that pay out was roughly £5000…
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Home insurance claim - need to move out
Hi there, I am looking for advice. We've had a major leak and our insurance has advised we need to move out for a few months whilst the work is carried out to repair the house. They're looking for temporary accommodation for us. A family member has offered to put us up but we will obviously need to pay our way as they…
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Insurer asking for laptop password
Hi, does anyone know if it’s normal for an insurer to ask for your laptop password prior to carrying out repairs? I’m claiming for liquid damage and they want to ensure the laptop was actually being used when I took out the policy two months ago. They’ve also told me not to wipe any data from the laptop - but if I do this…
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Cost of Life Insurance
When my son was born 25 years ago we started 2 life policys. One in my name insuring my wife and my wife insuring me. I read the adverts that if 55 and no life insurance then for £10 per month. Not sure why after 25 years we are still paying almost £150 per month. I'm reluctant to cancel and loose everything we have paid…
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Car Insurance Renewal in Early February 2022
I have half read about what's happening to insurances on the 1st of January 2022 so wonder whether I should go through confused.com before and get a quote secured in (they're usually valid for 60 days), but this is quite a bit before the magical 24 days prior to renewal date. I don't want to renew now as I'll lose a year's…
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Building insurance
I am a 50 % co owner under the Do it Yourself Shared Ownership scheme. The Freeholder is a Social Landlord owns the block of flats, we have a flat. The other shared owner is a different Social Landlord, therefore our Landlord. We pay service charges to the Freeholder, which includes a provision for Buildings Insurance. I…
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Unoccupied buildings and contents cover
Following my fathers' death, my brother and I are looking for 6 months unoccupied buildings and contents cover. Does anyone know where I can get some quotes from please?
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Insurer added a notification of an incident as a claim and won't remove it - what are my rights?
Thanks in advanced to anyone who’s able to help here! I’ll put the question first, all the context below: * Has my insurer incorrectly recorded an incident which
I notified them about as a claim? * Do they have any right to classify it as a claim and impact my NCB, and is there anything I can do to have it…
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Home Insurance with Business on premises
Help, I need new home insurance. But like alot of people I lost my shop and now run online from home. Now I cant find an insurance for my home. Even though I can get business insurance. There must be a way of doing it as many people run online businesses these days. All help appreciated.
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Soft searches on credit file
My car insurance is due for renewal in January but I have not started looking yet. Today I got an email from my credit report saying a soft search had been done on my account. This was a car insurance company called Marshmallow. I have never heard of them before this. I contacted the company who then proceeded to ask for…
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insurance claim from work
I have been looking for answers everywhere. Could not find anything. I work for delivery companies on bicycles with Deliveroo, Uber Eats, and Hungry panda. Whilst at work I was assaulted in October which led to injuries and I was out of work for over a month. I was given a sick not and I have all the surgery proof and even…
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Forthcoming changes to insurance in 2022 and existing policies
As insurance costs are expected to go up as of 1 January 2022, I'm looking to see if I can pay for my home and car insurance this month for new policies due to start mid March. Would I need to cancel the remainder of my existing policies, or can I agree new policies now and pay for them which will start when my existing…
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Just had a bump - advice please.
Hi I was entering a village this morning doing about 20 mph in 3rd gear as I had just turned a corner onto the high street when a car come into my view on the right side and banged into my car. The side of mine has a small dent and scrapping. The person was an old man who had come out of a side street and pulled out just…
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Best car insurance
Can anyone help recommend a good car insurance please that is not Hastings or Hastings backed. They have being our insurer for the past year but after a small carpark at fault accident have vastly increased the cost to renew and we now have zero no claims. I am finding it difficult to trawl through all the many car…
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Contents insurance - historic subsidence
I need to arrange Contents insurance only for my flat, which is a first floor flat in a small block. We already have Buildings Insurance arranged for the whole block. When I'm getting quotes for Contents cover, I'm being asked questions about subsidence. I know that the flat below mine was affected by subsidence 9 years…
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House forever penalised for cracks?
I posted this on the HOUSE BUYING, RENTING AND SELLING page, but I think it is probably more at home here? I have a house, 4 flats, one flat sold, I am on one floor, my daughter in the other and I rent a flat, which I now want to sell. We have had cracks for a little while and the lady who owns one of the flats, wanted to…
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What to do
Hello all The waste pipe under my kitchen sink came apart yesterday, and my wife didn't notice, so she ran 2 wash loads through the washing machine before the downstairs neighbour came knocking. There is damage to her walls below us, her boiler stopped working and there was water dripping down from her light fixture in her…
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Landlord's insurance when owner sometimes stays in property?
I am looking for insurance for a property that has been in my family for many years. It is a cottage in an area of outstanding natural beauty and is tenanted, but we have an arrangement with the tenant: every summer when she is away we stay in the property, and at other times we camp in the grounds. Now, last time I…
