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Cannot get insurance on my new build house
Hi Everyone, It's my first post, and I need some advice. I moved from a private rental property into a new build government-backed rent-to-buy scheme property. We had the usual hassles of our address not being registered with Royal Mail. This was sorted about six weeks ago. I still find many websites don't recognise our…
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No claims bonus mistake
Soooo… i bought a new car a few weeks ago and was looking for insurance and I finally found one for the 28th of June because that’s when I thought the insurance for my last car was up, because that’s when I paid for my insurance last year. So I put down I had two years no claims on the 28th and my new insurance company…
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Retiring from the Appointment of Trustee of a Discretionary Trust
I would like to retire from an appointment of a Discretionary Trust before the Deed of Trust has been created. I would like to know how to do this. At the moment there are two trustees that have been appointed who are uncle and niece. The niece wishes to go against the Letter of Wishes but not all of it. There is a clause…
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Flexicover travel insurance
Has anyone used Flexicover travel insurance as cheapest on comparison sites but not heard of them before or the underwriter Collins on insurance.
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Information only claims car insurance
When looking for car insurance quotes one has to divulge any claims made. Does this include information only claims? The information has been logged, they are called information only claims (with Direct Line they are anyway) and therefore I guess a "claim", however you haven't "claimed" anything at all. No repairs, no…
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Excess dispute
Hi there I was involved in an accident at the beginning of May where I was at fault. We have a £625 excess on our policy. We looked around at getting the work completed and not going through insurance and in that time the car was assessed by the nominated garage. Our insurers, Dial Direct, stated in an email that no excess…
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They cannot find policy number for old Scottish Amicable bonds ?
Hi all, I thought I'd post here as I saw several threads on Scottish Amicable Investments. In 2023 , we collected a group of old documents from lawyers office, and they found 10 bonds in my name , all dated 1984. They are issued by "Scottish Amicable Life Assurance Society" and are all 'managed investment bonds'. As per…
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Whole-of-life insurance (joint) policy, insured sum decreasing, couple early 70s in good health
Our joint whole-of-life policy has come up for renewal. The
benefit has decreased by 40% to £51k while the monthly premiums remain constant
at £167/month. (The benefit will remain constant for the next 5 years, after
which it will decrease again.) This seems expensive to us, but we don't know
what others are paying. Can…
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Travel insurance underwriter
When choosing travel insurance how important are the underwriters When selecting which is the best policy. Presumably it is the underwriters that would pay out on any claim.
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Travel Insurance Cancellation Limit + Top up insurance
I'd like clarification on cancellation limits and the effect on other parts of the insurance (Bank Packaged Travel insurance) please? Assuming all parts of the insurance are suitable but the cancellation limit (5k per person) is too low for a specific trip, what happens if I travel?Are all other parts of the insurance…
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Travel insurance cover for post-cruise land tour
We have annual multi-trip travel insurance with Saga - have had it for a few years. In 2027 we are planning a cruise taking in the Chilean Fjords and want to add on an independent (of the cruise company) land tour. This part of the holiday will include flights to Easter Island and Atacama, accommodation and tours - and it…
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Best insurers for buildings/contents cover on a previously flooded property.
Our house flooded back in 2017 due to a blocked culvert. At the time we were with L&G, and have stayed with them ever since as the premium stayed reasonable even afterwards - plus we were told by a broker that it's unlikely any other insurer would touch us for a long time. Fast forward, L&G have been taken over by LV and…
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Help with job description for insurance
hello, my wife is a “after school club assistant” , and i can’t find anything on drop downs for insurance that’s similar , any ideas please ? thanks
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Is Bupa still generally seen as the best medical insurer?
With the NHS having severe problems I'm currently thinking of taking out medical insurance for myself and am wondering if Bupa is still generally seen as the best in that field? I would be going for pretty extensive cover but I don't want an insurer who does their utmost to find ways of avoiding paying for claims. Or can…
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Admiral Auxillis No Fault Claim Still Unresolved 2.5 yrs later
I'm interested in views and advice regarding Admiral referring to Auxillis for the handling of a non-fault insurance claim instead what I would consider the 'normal' way of an insurance company handling the matter for you themselves. In Nov 2022 a young family member had a no fault accident and spoke with Admiral to submit…
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Will there be increased annual insurance costs following a non-fault car accident.
Following a non-fault car accident, their insurer Admiral contacted me and are paying the garage directly for the repairs. Admiral texted to say it won't affect my no-claims bonus, but will I have increased insurance costs following a non-fault accident? My policy is due for renewal next month. Should I be claiming this as…
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Simply Business Modus Landlord Insurance
Hi, I did some searches and Modus insurance (via Simply Business) has the best price and cover for my needs. There is, however, very little on Modus insurance online so I am wary. The alternative would be Direct Line, but they have less cover for the same price. Has anybody had any experience, good or bad, with Modus,…
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Hastings car insurance
My car insurance was cancelled 2years ago and I owed £260 I phoned Hastings up and payed the full amount and was told that was the end I recently joined ClearScore and it was showing I had missed payments of £67 pound for 2years this was Hastings insurance so I have messaged them and ask for proof of the telephone call and…
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Dead Happy - who took it over?
Hi guys, hoping for help. I took out a Dead Happy policy in 2022. I only realised they had stopped trading last summer when I couldn't log in, I've had no contact.The premiums are still being taken by Covea but I can't get any response from them. I checked out Shepherd's Friendly (who are advertised as taking it over) but…
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Question with insurance incident/claim
Hi I have an issue. In 2022 my catalytic converter got stolen. I contacted the insurance about it but never went forward with the claim. I tried taking insurance out today and the insurance company mentioned that there is a non fault claim about it. I am not happy at all as didn’t go forward with it. Admiral say oh that it…
