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Vehicle recovery company wrote my car off through negligence
Hi all, I lost my car key and called my insurance company to find out what to do. They engaged a recovery company to take the car to the local main dealer for a new key. Unfortunately, the recovery company were negligent and did not load the car properly. As a result they have completely destroyed the gearbox and the car…
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Health Insurance company wrongfully declined Cancer care
Unfortunately my partner was diagnosed with Breast Cancer. I've had private health care for many years and she was added last year. When we got the diagnoses the Health Insurance company declined it as they said it was preexisting, this was wrong and I have successfully challenged it, they have apologised but this it has…
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Life insurance on another's life
Decades ago, my father took out a life insurance policy on my mother (for a few hundred pounds). The policy was to pay him in the event that she died (to help look after any children). Years later, it became a paid up policy meaning there are no more premiums to pay. He has died now and she was the beneficiary of his…
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Home insurance comparison sites.
Every year it is a nightmare getting a new quote for our
home insurance. Comparison sites including the MSE one do not find home insurance
that is suitable for a lot of people. The majority of quotes I get come up with
1 mil for the buildings and 100 thousand for the contents which is about right
for me but when you check…
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Accredited Insurance (Europe) Policy Expert Trinnity claims
I had a straight forward claim for storm damage early this year there refused to attend property saying there surveyors are home working based refused claim despite a full evidence pack and third party review there underwriters have a 77% rejection rate from there Malta Address not mentioned in policy also they avoid FCA…
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Changing Annual Travel Insurance
We've had an annual platinum policy policy with Admiral for a few years now. In April, my wife was referred to a cardiologist by our GP following a routine blood pressure check as part of an appointment for something else, and she received loads of tests and scans. The good news is that the cardiologist found she had very…
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Serious illness Policy
Hi I have life insurance and serious illness cover with vitality. I took this policy out in 2019 have paid since then. Recently developed a life long serious illness. Checked their online checker which showed how much I would be entitled to however when ive called them they have said my condition (which is quite rare)…
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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
