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Pet Insurance - Out of hours
Hi Everyone, Last Friday evening at 4.30pm, I had to rush my pet dog, Winnie to the vets. Upset and unsettled to hear she needed urgent medical attention and would need an overnight stay with a potential ultrasound. Luckily, I had lifetime cover for Winnie up to the value of £10k with no previous claims. The estimate came…
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Paying twice to RAC
I discovered for the last three years I have being paying twice for breakdown cover. Once through my RAC car insurance where it is included with my policy, and I have also had a separate breakdown insurance not realising it was included with my car insurance. So for last three years Ive paid out £120 for nothing. Surely…
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Very protect insurance expiry date today. Am i insured today?
My sons iPad screen got smashed this Evening and so I go onto my very protect and repair policy and it says the policy expires today 4/08/2025. When I click the link to make a claim, it says it expired and I can’t go any further. The policy says it’s insured 05/08/23-04/08/23. Should I still be insured today? This all…
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Increased premium despite blame free accident.
Last September a man changed lanes on a local roundabout and hit my car on the drivers door handle. Initially he held his hands up but his wife was unhappy that despite me being in the correct lane, that her husband had owned up. After a few months backwards and forwards, I instructed my insurance company to take the third…
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Living in Airbnb between house moves - any insurance tips?
Hi! We've sold our house and will be moving into a new build. The timings do not work out, so to make sure we do not lose the sale we will be living in an Airbnb for approx 6 weeks... Most of our goods will be in storage. At the Airbnb we will take clothes, the cats, laptops and jewellery... which we want to insure (very…
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Medical travel insurance claim refused
Hi, really appreciate any advise here. My wife and I were recently due to go to Portugal for a few days when my wife did something to her back and was advised by our GP not to travel. We had taken out travel insurance and declared a number of pre-existing medical conditions. Back pain was not on my wife's record. Our claim…
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International Private Health Insurance (China)
My daughter and her boyfriend are soon moving to teaching jobs in China but international health insurance seems to be extremely expensive ( this might be the case but since it’s all new to them they are unsure) . They got a quote from AXA for over £100 each per month - please does anyone have any tips/ recommendations for…
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What is classed as accidental damage under home insurance?
I have contents insurance from LV which only includes limited accidental damage cover (for tv’s, laptops etc). I can add full accidental damage cover but I’m not sure if it’s worth it. It increases the premium significantly. I had always thought that accidental damage was things like spilling red wine on the carpet or…
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Mortgage Protection Insurance for an over-50 year old
Hello everyone - I need some advice. its been a long time coming but ive re-entered the property world and have just got myself a new pad after years of renting. thing is I am now over 50 and there is that cloud over me - as mortgage protection insurance. Do I need it? I tried a broker recently who shal remain nameless but…
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Landlord Buildings Insurance/Residential Buildings insurance.
Buildings insurance advice please. I live in a Victorian conversion. Two flats, one building. One flat is owner occupied, the other is rented. The two flats have separate owners. Share of freehold. What are the options for buildings insurance please?
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Private Health Insurance - Don't know where to start..
The NHS services where I live are shocking bad, and I'm in the fortunate position now my mortgage is paid off to afford up to £70 a month for private insurance. But I just don't know where to start, even the comparison sites seem confusing. I'm 56 and in good health except for some acid reflux caused by a small hiatal…
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Permanent health insurance costs?
Hi all so I have had a PHI policy for around 15 years now, and so far not had to use it “touch wood” I have changed jobs a few times and salary has risen, so decided now I have reached the grand old age of 50 I needed to look into it, and found i was down £100 a year, so previously I was paying £72 a month for around £400…
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Close an absolute Trustcontaining life policy
A life insurance investment bond was moved by its owner into an absolute trust for a grandchild.The trustees wish to pass the bond into the control of the only beneficiary without cashing it, but are told that this cannot be done as it is held in an absolute trust.Can anybody explain more, please, or advise on how to…
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Private health insurance question (Beneden Healthcare)
Hello All, Looking for some advice if possible. My mum pays into a scheme with Beneden Health (for past 3 years) Recently she had an injury which has turned out to be a chipped bone in the ankle. The GP sent her to hospital who then did and X Ray and found the fracture. She has been advised that she needs to see an…
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Recommended building insurance for water leaks?
Hello We've had a leak due to some shower issue fixed by our builder some time ago but we're worried about further leaks as sometimes we hear a dripping noise after/while using the shower on the level below but no actual leak can be seen. So we wondered if there were any recommendations for home insurances that cover water…
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Life insurance with mental health issues.
Hello, I'm trying to find life insurance for myself, but I have mental health issues which I've been upfront with to the insurance companies and brokers, but it seems nobody will insure me. I have just purchased a house and I would like a small life insurance policy that will cover my mortgage should I pass away. Are there…
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Confusion between Churchill Essentials Car Insurance and Churchill Car Insurance?
What is the difference between the 2 apart from the £50-£100 price difference? Is Churchill essentials 3rd party cover only? Also I read the MSE guide on car insurance and it says in the guide if you type your driving license number on the price comparison sites then you get a cheaper quote, can anyone confirm how much…
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Insurance Renewal Problem
I'm unsure if this is the kind of issue that should be discussed here , but need to get advice. My mother was admitted to hospital several weeks ago in a rush. She is 96 years old and not very well. She received a message on her phone telling her that her COOP house and contents insurance was due for renewal soon, with no…
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Building Insurance
If someone buys a property then discovers an issue which they refer to their Insurers, do the Insurers then go back to the Vendor even if this was an unknown issue to them?
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Ex-partner's home insurance on our jointly-owned property
Apologies if this is a bit long but here's the background story. My ex and I broke up at the end of last year. I moved out, and she is still living in our house with our son. I pay my half of the mortgage. She pays the bills and has taken out her own home insurance policy in her name. As a co-home owner, I believe I am…
