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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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Cancellation/curtailment travel insurance for medical reasons
We've booked a week long holiday in Wales for later this year. My girlfriend is on a waiting list for an operation (for a known & diagnosed condition) but we have no idea how long the waiting list is, and can't find it. We're wondering whether it's possible to get cancellation/curtailment insurance that'll cover us if the…
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Car insurance renewal just doubled after no fault claim, can I claim it from at fault driver?
Hi, and thanks in advance to anyone who can help with my query. I had agreed to renew my car insurance policy when the company invited me to do so (via email), and the premium was less than last year. Yesterday, I made a no fault claim after a driver crashed into my car and, this morning, another email has arrived inviting…
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Aviva Zero Motor Insurance.
My car insurance is due to expire in early October.The premium had increased since last year so I used Money supermarket for some quotes.Aviva Zero was about the cheapest so I filled in the online details and paid. I subsequently discovered that, because I had entered my landline number in the contact details, when I tried…
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MSE News: Car Insurers to pay £200m in compensation after short-changing 270,000 motorists
The FCA’s found some insurers underpaid claims on written-off or stolen cars. Around 270,000 drivers will share £200m – with nearly 150,000 already paid. If you’re due money, your insurer will contact you. You don’t need to do anything – just watch out for scams. Read the full story: Car written off or stolen? Insurers to…
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Botched buildings Insurance repair
Is there a statute of limitations on a repair carried out by a company on behalf a buildings insurance provider? My parents had a repair carried out around 25 years ago due to dry rot and, for a significant period since, there has been a damp smell that we couldn't put our fingers on the source of. Long story short they…
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Home Insurance- How do you choose ?
Hi It's that time of year again where my home insurance is due & so I'm looking at comparisons. Yes, I can see that I could probably get cheaper home insurance cover but it would probably be from a company I've never heard from. In reality I'm not looking for the cheapest quote I can find rather I'm looking for a policy…
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Unable to get subsidence cover.
Hi Just posting asking for advise about building insurance relating to a subsidence claim. In Oct 2022 I started a claim that turned out to be subsidence, at the time I was insured by Integra (actually the policy says insured by HDI Global Security are administered by Integra). For the year 2023 /2024 this continued and in…
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Home Insurance Large Loss - Betterment Calc Method
I would appreciate some guidance/info re my home insurance claim and how I should plan for the betterment calculation. Bare with me, it's hell of a saga....... The 1963 semi-detached bungalow (and a subsidence insurance claim, instigated 2020 whilst my last parent was still alive ((my darling dad)) that I inherited from my…
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Dental Insurance Question
I have 1 wisdom tooth that needs removing, but they're suggesting to do all 4 at once before it gets bad. I'll be doing this privately, but the dentist suggested getting dental insurance and waiting a few months, then claim through insurance. Would it really be this simple? If I wait for the required time, can I claim for…
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Wedding Insurance
I want to purchase wedding insurance for my daughter’s wedding. I am paying for most of the wedding e.g. reception etc but she and her fiance are paying for other things e.g. photography, suits, dress. Does wedding insurance cover the wedding no matter which of us pay or is it just the things paid for by the policy holder…
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House Insurance
I have an older house which is stone built. Last year I had the original kitchen knocked down and rebuilt. Block and beam with a flat roof and fire retardant timber cladding. I dealt with my existing insurance provider re this. my renewal is due and I am struggling to get any comparison quotes as I can’t just say walls are…
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House Insurance Complete Confusion.
Hi. I recently used a comparison website to set up house insurance and used the link to the provider to take out their policy. On the comparison website, it asks for you not include kitchen or utility rooms in the number of 'other' rooms that you have. I rang the insurance provider as I had realised that I had not included…
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Travel insurance - not disclosing medical condition - careless or reckless ?
Went on family holiday
recently took out travel insurance with AXA / Coverwise. In respect of the following question answered no At the time of taking out this policy you will not be covered for any claim
arising directly or indirectly from: a. Any medical condition you have, or have
had, for which you are taking or have…
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How to prove I wasn't commuting.
2 years ago I had an at-fault RTA. The insurance company paid out appx £8000. Last month I received a letter from the insurance company to tell me they were seeking full reimbursement of the money they paid out, because I was driving outside of the terms of my insurance. I issued them with an SAR, which was partially…
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Perfect Pet Insurance - AVOID!!!
Has anyone had a successful claim with Perfect Pet insurance? I am having problems with delays in a claim being processed and have learnt that the underwriting company are registered in Malta which would appear to make them exempt from any intervention by the Finance Ombudsman. They are still coming up on comparison…
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Home Insurance - with a public footpath running through the property
Hi all, I’m in the process of buying a property and have recently discovered that a public footpath, which runs alongside the property, is actually owned by the property itself. Does anyone know if this means I’ll need specialist home insurance to cover any potential public accidents or liability issues on the footpath? Is…
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Has anyone used Paying Too Much travel insurance?
Used this company for my upcoming holiday to the states as mentioned on MSE website to try these for insurance for people with long term conditions. I am having great difficulty communicating with them at the call centre which does not appear to be based in the UK. They were supposed to call me back but haven't. I travel…
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Any house insurance whizzes around? FLAT ROOFS!!
Hi guys. Thinking of making an offer on a property which has a newly-built extension with what appears to be a solid and sturdy flat roof. I gather these are possibly better constructed these days than was once the case... but, even so... Is there any way of purchasing some kind of indemnity or ongoing insurance against…
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Financial ombudsman - next step to the Ombudsman
I had reluctantly accepted my insurance company settlement amount, as it was not matching the full amount of the quote for the rework. Over 18 months ago, the FO had accepted the case but not much movement. and now they are in a hurry to close the case, the new investigator had made their decisions without seeing either…
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Massively out of pocket after no fault claim
A couple of months ago, our beloved 2015 ford focus diesel estate had a head gasket failure. Our options were to spend 8k+ on a newer car (we have around 10k nest-egg but I'm worried about job security so prefer to keep that), or to get it fixed. Garage recommended a replacement engine, so we spent 2500 and put in as low a…
