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Home Insurance - 2 flats under one freehold
Hi all, Hoping someone can give some guidance or advise. I own the ground floor flat of a converted house. There is another flat up stairs under its own leasehold owed by someone else. I also own freehold for whole property. I find it very hard to get buildings insurance (my responsibilty as freeholder). When I approach a…
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Car insurance - accident - over 3 months to repair car ie waiting for parts - my rights
I was flabbergasted to hear from a sibling today re their car repair, but should not have been, as I've heard about people waiting to get cars repaired/fixed and months to get a part/s in. It was a clear-cut, third-party-fault accident 5/6 weeks ago. They were waiting at the roundabout for a gap, as was the little car…
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Advice please- non fault RTA- 3rd party insurance refusing to pay full repair cost
Hi I’m a newbie and this is my first post so apologies if I get anything wrong please be gentle! Also sorry it’s a long one… My 19 yr old son was involved in a non fault RTA on March 20th. All on dashcam and not disputed by other driver. All done through other drivers insurance (Hastings) and initially seemed fine - they…
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Buildings insurance for house split into flats (share of freehold)
Hi, We have a Victorian house split into several flats each with a share of freehold. The buildings insurance covers the whole building and the policy is in the name of the freehold company. Can anyone with a similar set up advise on who they’ve managed to get the cheapest prices for buildings insurance from? And are there…
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Car Breakdown Discussion
This discussion is specifically for you to feedback on Car Breakdown cover Please first read the Cheap Breakdown Cover Click 'post reply' to have your say and let us know if it's about home or car cover To discuss other issues please use one of the following: Car Insurance * Car Insurance General Feedback * Report Super…
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Contents insurance - Nationwide / Aviva
I've recently taken out a new contents insurance policy with Nationwide / Aviva. I noticed in the policy that any claim requires evidence (receipts, photos etc.) I owned the item being claimed. I won't have receipts for the majority of items I've bought over the years. I can take photos of some items. How picky will the…
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Mains water supply pipe beyond property boundary insurance
Hi, I've read several old threads and can't find one specific to my needs. I live in rural Wales and the majority of my mains water supply pipe runs below a neighbour's field so it's not covered by standard home insurance. Since 1993 I've been insuring it with Homeserve. Initially the premium was very cheap because it…
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Travel car hire insurance question
Hello, hopefully just a quick question! I have hired a car from carwiz with their basic insurance package which states - Unlimited mileage - Collision Damage Waiver with deductible (£1600) - Theft Protection with deductible (£1600) - Third Party Liability Insurance - Assistance 24h/day I have also bought excess cover from…
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Driving Test Insurance Query
Hello, I have my driving test booked in December (don't get me started haha). I would like to use my own car for the test. I have all the relevant insurance for standard driving, but would I need anything extra to use it on my test?
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Car Insurance Quote Query Re Claims
My wife is a named driver on my policy. Last year she was hit by another driver. Entirely his fault and it was a no fault claim. We did not pay any excess nor was NCD affected. When completing quote for there is a question on whether she has had any claims or accidents so we entered the details. Then I get asked the same…
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Car Insurance
Last year my premium with Hastings Direct was £494. Renewal @ £748 Thanks to Martin and the MSE insurance subsidiary. Got £468.73 with one of the UK's largest insurers. Insurance companies are worse than Double Glazing installers, Estate agents, horse traders etc. Yet again Martin to the rescue. THANKS
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Cover to insure pedestrians against being hit by bike/ebike. Answered, thank you.
Question answered, thank you. Hi, Does anyone know if you can insure yourself, as a pedestrian, against being hit by a pushbike/escooter/ebike? They don't need insurance and therefore you can't claim from the rider and, as I understand it, the Motor Insurance Bureau (MIB) says if they don't need insurance, you can't use…
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House/Contents Insurance Quote - Gender Differentiation?
I'm aware that the insurers MAY be allowed to discriminate on gender grounds when pricing policies when actuarial data supports such risk determinants. Partner and I have both completed the Quidco/MoneySupermarket comparison questionnaire for house/contents cover. In each case we have named the other as joint policy…
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Quandary re which condition to disclose to travel insurer
My first diagnosis from a cardiologist was 'angina' so I disclosed 'angina' to my travel insurer. Even though I'd had no more tests or events, when I had a follow-up appointment at the same hospital a different cardiologist said my diagnosis was 'ischaemic heart disease' and I should have an angiogram. After the angiogram…
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Rescuemycar Car Breakdown Discussion
Hi, This is a feedback thread on car breakdown provider: Rescuemycar Please share your experience with other MoneySavers. Click reply to take part: * Have you experienced problems? * How quick did they help? * Happy with the overall service? The feedback comes as part of the Cheap Breakdown Cover guide. Thank you, MSE Tony
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House insurance claim or not
Hello, I had an escape of water last year and used my house insurance emergency services to get a plumber out. They caused me issues with resolving the leak which exacerbated the damage, but the cost of repairing the damage is less than the excess so I never claimed on my insurance policy and I'm doing the decorating…
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House/Contents Insurance Quote - only pay by Direct Debit
Just running the annual comparison site exercise for house & contents. Cheapest contender is MBNA, worked through the quote checking the details and was ready to buy but pulled up by only being able to pay 1-off annual premium by 2 DDs (main and household emergency call-out), no debit/credit card option. Is this a common…
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Car insurance help. Driving test soon
We have a multi car policy which is due for renewal mid July. It’s extortionate so I am shopping around. I can get my main car cheaper elsewhere. The second car is a low value car that my son has been learning to drive in. His test is early August. I am not sure how insurance works fully. I am not sure I can renew for a…
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Life Insurance - Mis-sold?
We bought our house in late 2004 with a 30-year interest-only mortgage that was arranged through a high street financial advisor (a small, one-man operation). He also arranged life insurance with Allied Dunbar, and his business card & letterhead (we still have them) state he was an agent for Allied Dunbar. We trusted him…
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3rd Party Liability Insurance for dogs - Dogs Trust stop from 30/6/26
I've just had an email from Dogs Trust saying that they are no longer offering 3rd Party Liability insurance with the Companion Club membership. I cannot afford full pet insurance - both my dogs are 13 years old and the premium quotes are ridiculously high :o( . Does anyone know of any other organisations like Dogs Trust…
