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Insurance & Life Assurance sticky
Here are some Forum threads you might find useful: * Home Insurance Discussion * Cheap Car Insurance Discussion * Car Insurance Tips & Tricks * Level Term Assurance Discussion Area * Car Breakdown Discussion Area * Gap Insurance Guide Discussion * Compare Breakdown Cover Discussion * The Great Hunt: Have you used a loss…
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Driving Licence
My Brother in Law sent his Driving licence for Renewal (75years) to in to DVLA begin of Jan 2026 End of Feb he rang Swansea to make enquiries' as to new ones whereabouts but the Staff refused to talk to him as they said his Post Code doesn't exist, he has only lived in his house 35 years He has been told they cannot open…
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Gifting no claims discount.
Our car is insured by my wife with myself as a named driver. This dates back to when she got a car over 30 years ago and I had a company car. Since I retired 14 years ago we only have one car. In recent years I have done almost all of the driving due to her health issues. She no longer wishes to drive although she retains…
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Life insurance policy notice of huge increase in premiums or huge reduction in benefits
I have a whole of life insurance policy. It was set up to be indexed linked. Premiums and benefits have risen steadily over almost 40 years that I've had the policy. I have now received a letter from the insurance company stating that it has been reviewed and I have a few options A) Freeze premiums but receive what looks…
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Travel Insurance - Cancellation only without the medical treatment!
We're booking a holiday on the Isle of Wight, and we live in Birmingham. The quotes I am getting are disproportionate to the amount we are spending - all we need is cancellation insurance for a ferry crossing and our accomodation, but all the quotes I can get include insurance for medical and repatriation costs which,…
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Limited car breakdown cover when included on car insurance
I just got AA car insurance which included breakdown cover and only afterwards saw restrictions say cover is limited to one call out per policy year. This to me seems cr*p. I've not had a breakdown for many years and keep car well maintained but I could get unlucky - so if I have one breakdown I've got to worry that I'm…
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Small fault bump impact on car insurance and best solution?
Hi all, Just had a very unfortunate very minor bump with another car and they got a quote of about £600 for the repairs (small scuffs and headlight crack). I have a long claim free history, £125 excess and premiums are around £150. Ultimately I believe the claim has to be legally reported even if I was to pay for the…
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⚠️ Direct Line / Motability Insurance Complaint - Financial Ombudsman
I'm a disabled Motability scheme user (enhanced PIP, DLA recipient) and cancer patient who has taken my case to the Financial Ombudsman after Direct Line denied my insurance claim in a deeply shocking way. What happened: In May 2025, when I added two named drivers to my policy, Direct Line's system automatically removed ME…
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Car insurance database showing as an open claim still active
Long story short everyone Someone crashed into me. I fought my case strongly for almost a year. Car now repaired in October. Lost 9+ NCD down to 3. Got all my points reinstated £500 compensation numerous apologies. Still sending me messages saying money has been paid into my account from a claim update no money received…
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Travel insurance
I've recently spent over £7K on flights to see relatives in the USA and looking to get insurance before we travel, if for some reason flights are cancelled i've noticed that insurance quotes i have had only cover you up between £1-3K, if for any reason we can't fly, could i cliam on my credit card to cover the cost?
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Admiral - we're sending some money your way?
I was wondering if anyone has received a similar letter as am confused! (Waiting for a call back from Admiral hopefully today) I receieved a letter today relating to a claim around 4 years ago where my car was written off as a total loss and I received compensation. It hasn't asked for any bank details or anything like…
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Good to Go and Avanti travel insurance!
Last week I tried to get a travel insurance quote for the world cup with Good to Go. I have a European yearly policy with them. As I was going through my medical conditions for my new policy. The person asking the questions claimed that she needed to update my current policy because new things had come to light and I might…
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NHS Rules about private health insurance : shared care agreements
Correction needed on MSE site about private healthcare options. The NHS has the policy now (not sure if this was always the case) that a patient cannot have shared healthcare; that is, you cannot have NHS and a private specialist for any specific health need (e.g. orthopaedics). There is a rare possibility that an…
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Life Insurance Premiums increasing by more than Sum Insured due to Inflation?
Hello, All the life insurance options I am looking at offer to increase the amount covered by inflation, but increase the premium by 1.5 x inflation each year - so the policy gets progressively more expensive - wondered if anyone knew of any better options? Thankyou
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Broker or IFA
Hiya I need to sort life insurance and critical illness since having a sprog. Is a specialist broker better than an IFA? Also if a broker isn’t completely whole of market does that matter? They won’t give me a list of the providers on their panel so can’t work out how close to whole of market they are. Are the likes of…
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UK buildings and contents insurance for a non-UK resident
I need to renew my buildings and contents insurance on a three-bedroom, brick-built semi-detached house (built circa 1981) in Chelmsford, Essex with effect from 1st April 2026. This house is to all intents and purposes a holiday home: it is fully furnished and never rented out, and I visit it regularly, spending several…
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Difficulty insuring my mother’s cottage now she is in a home
I need some urgent help please. I went to reinsure my mother’s building insurance with the AA. I explained she was now in a home but a family member lived in her home for two weeks every month. They said they would treat this as unoccupied and couldn’t insure it. Checking out other insurance sites they all assume it is…
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Building + contents insurance: opinions of Acorn Insurance?
I have been with Acorn Insurance for a year since becoming a home owner and finding them using the Go Compare website. It is now time to renew my policy for another year and, to be honest, I am not terribly impressed. It turns out that their customer portal does not work (is not operationable), but there is no message on…
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Car Insurance Renewal - ALWAYS Challenge!!
So the RAC sent me a renewal quote for my car insurance (£298), claiming in the email that it was competitive, and similar to what a new customer would get - it was a £70 increase on last years, and I have no claims/issues. Logged on to the RAC insurance portal, said I did not want to renew, because of cost, and was…
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Insurance Voucher
Hi All, In early Feb we had a water tank overflow and ruin a carpet. The Insurance is happy to arrange the removal of the carpet, but is only offering either a cash settlement or a vaucher to be used at Tapi, which we would then need to organise. Is this normal? As we very much just want the insurance to organise this all…
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Car insurance sweet spot
My car insurance last year was £289. I had one accident which was not my fault (I was driving straight in my lane in a two lane road when someone I think tried to overtake me and couldn't make it or came from the other side of the road and therefore went into the side of me. Stopped to exchange details, was threatened by…
