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Policy Expert - beware!
This story also applies to Insurance in general and responsibilities that you'd never think of ;-) Long story short, reported a claim that ultimately we knew that we wouldn't claim for - small amount and likely wear and tear, which it was. Policy Expert notified us the next day that our policy would be voided as we hadn't…
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Successful story- Medical Travel Insurance whilst pending investigations for undiagnosed conditions.
Was looking everywhere this morning to try and find where I could find medical travel insurance whilst being on a waiting list for referral to a specialist after my usual medical insurance company wouldn't insure. So many threads came up with no definitive answers so after my success this afternoon I thought I would share…
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TT99 insurance declaration
Hello. Received a 6 month ban for sp offences, TT99, November 2025. My question is, as my licence now shows only the TT99, is that and the ban all I need to declare to insurers. I ask this because I don’t know the details of the convictions leading to the TT99. Thanks
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I panicked and made a subsidence claim, HELP!
Hello, Two days ago I noticed some new cracks in the plaster of my house. I have been worried about a tree in front of my property causing damage with its roots. A quick check of AI suggested contacting my insurer. So I went to the insurers website and raised a claim. The next day they phoned me to discuss the claim. I…
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NEED ADVICE/TIPS - House Insurance Claim [Subsidence]
Hi all, For over a year, approaching 2 years now, been going through a claim via our House Insurance 'Crawford & Co' for subsidence. The house is sinking, cracks are forming everwhere inside and outside and contact has been minimal from them. There first offer was worth 10k and we would have to source the work/builders…
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Certificates of Structural adequacy
Hi When your insurance company employs a loss adjuster/assessor to act for them on a subsidence claim, and the adjuster/assessor issues the certificate of structural adequacy on behalf of your Insurer, what qualifications does the person who issues the certificate have to have please? Are there any FCA or FOC guidelines…
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Solar PV Battery Insurance
Hi, I have a new solar install and the PV battery placement needs to be a on a party wall. I understand my Home insurance will need to be updated to cover my house install, however, outside of the party wall agreement, is there any Insurance issues for the neighbour whose wall the battery will be fixed to? Thanks.
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Water pipes
Hello, please, can I have some advice/Education? Today, we received a phone call from Seven Trent saying there was a leak detected across a few houses including ours from a shared pipe, and we need to speak to our home insurance about leak detection. We have done this and are waiting for them to come round. However, our…
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Admiral Problems
Is anyone else having issues with their Admiral online account? Tried to log on, but it said my details were incorrect. Asked for a password reset and it said an email had been sent but nothing arrived. Email address matches what they have on my policy. Tried online chat but the Digibot said it would transfer me to an…
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Auto renewal for Auto Aid
I was convinced I had changed the auto renew on my Auto Aid breakdown cover, but it renewed today (no renewal notification). Contacted them and asked for them to review but adament only could give a partial refund due to admin fee. Not sure if the 14 days cooling off period applies here. Appreciate £15 admin fee isnt the…
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Excessive AXA health insurance premium increases
I am in correspondence with AXA about our health insurance premiums, which are rising excessively. As background: We have been with AXA since 2018 (possibly earlier) I am now 64, OH is 68 In 2021 we moved to the guided option, meaning we have a shorter list of consultants to choose from My wife was diagnosed with cancer in…
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AA Car Insurance
So, Iv'e been withh AA car insurance for the last 2 years as they have been the cheapest, my automatic renewal notice came through at £326 with £500 excesses (some £75 more than last year.) I decided to cancel the auto renewal on line but the hoops to jump through on line were just so frustrating I gave up (even though I…
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Travel insurance for grandparents
Hi all, hoping someone may be able to point us in the right direction. My grandparents are both in their 80s and every year they really struggle to find travel insurance due to their ages, medications and existing medical conditions. It’s becoming very stressful for them and involves spending days on the phone going…
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Travel insurance medical cover
Renewing husbands medical declaration today through Co-op Bank account. They said ok to cover but a huge increase in cost! Read through the statement sent by email and right at the end is a list of " linked conditons"which it states he will not be covered for. The list just about excludes us from travelling, top of the…
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Have annual travel insurance but holidaying with family, what extra cover?
Hi all, Sorry, bit of an odd question, but hoping someone here might have some helpful insights on this… My wife and I have a joint annual European travel insurance policy with Admiral. In September we're taking our two grown up kids and their other halves on holiday (so 6 of us in total). We're paying for most of it for…
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Car insurance for a learner
Our youngest has passed her theory and awaiting her full test, we'd like to get her insured on her grandmother's car so we can practice with her, this car will eventually become hers when she passes ( she doesn't know this yet ) Am I best getting her insured as herself, telling the insurance company it's her grandmother's…
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Travel Insurance amount to cover
I read a tip from Martin saying to try and get separate quotes even if traveling as a couple. But how much do i have to cover. e.g. if our trip costs £2500 each do i just cover each passenger for £2500, or do i have insure both for £5000 as thats the total cost of trip.
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Car insurance auto-renewed, I sold car 6 months ago and don't live in the country anymore
Help, I'm a British citizen who moved abroad for work 7 months ago. I sold my car, but the insurance auto-renewed on Sunday. However, payment did not go through because there was not enough money in the account (around £450). Am I obligated to pay this, legally? It seems crazy to pay this, as it really is money for…
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Home Insurance Cover - around switching insurers
I’m looking for advice on which insurer is responsible when damage starts under one policy but is only discovered after switching providers. In early March, while still insured with our previous home insurer, we noticed some lifting of our LVT kitchen flooring. We assumed it was an installation issue and asked the flooring…
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Car insurance chosing own repairer
HI, We have 2 cars insured under a multi car policy with Hastings Direct. Unfortunately both have been involved in accidents. Car 1 was hit on a roundabout. Most likely a no fault claim but not confirmed. We elected to send this car to our preferred repairer rather than the approved one, which has a poor reputation. After…
