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Insurance valuation of car
Hi, Our car was in an accident a couple of weeks ago. Our insurance company has decided that its a 'total loss' and have offered us £1410 ( their market value) - our £410 excess, leaving us £1000. I think their valuation is too low. Our car was in good condition inside and out. Do I reject their offer in the hope that they…
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Mortgage payment insurance down by £10 a month
I have just done a comparison on the moneysupermarket site and for the same level of cover my insurance has dropped by £10 a month:beer: . It is a better policy as well.
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Cancel Car Insurance - Advice?
Hi, I have a quick question regarding a car insurance policy my Girlfriend agreed to - but now wants to cancel. Her insurance is due for renewal on the 27th November. Her current insurer is Swinton, sold through their branch in Chichester. About a week ago she got a call from the broker in the chichester office of swinton…
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Commutation?
Anybody out there know how a commutation is worked out for payment of lump sum on income protection insurance?
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Funeral Insurance for OAP Help
Hi, A recent family member passed away and wasnt insured, and the family was slapped with a £2500 funeral fee. It got me thinking my elderly mother has no insurance and no means to pay, and I was thinking of setting up some kind of insurance for her, tho she is 69 and not the healthyist person in the world. Ive looked…
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Home Insurance - Timber Framed
I am trying to get inusrance for my home. It was built in 1920s with timber frame. It has a slate roof and walls are "lathe and plaster". Most online policies seem to presume that the house is made of brick or concrete. I have tried an online search but without success. Does any7on e know of an insurer that covers such a…
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Warning - Privilege Car Insurance attempted rip-off
Hi people, Want to warn anyone receiving a 'helpful' letter from Privilege Insurance that their car insurance will be renewed automatically about an unpleasant scam that Privilege are attempting to pull. On the covering letter, the insurance premium is given as a certain price, with the instruction 'you don't need to do a…
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HASTING DIRECT....Urgent infoshare
Is there a problem with this company. Have been trying to ring all day but the recorded message says due to unforseen circumstances are lines are closed.
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Having trouble with car insurance
Just wondering if there is some sort of search engine that spits out cheap cars? Im having a hard time cutting my insurance to below 2.5k a year - something which i find is stupidly high. Is there a site that lets me input all the info an insurance company would need, and then it recommends me the cheapst cars to insure?…
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Is Life assurance compulsory?
Probably been asked a thousand times before but is Life assurance compulsory if you hold a mortgage?
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Buildings Insurance For Flats
I've searched but can not find an answer to this so I hope someone can advise me. I live in a purpose built flat. It's just a block of 4, all with a seperate front door, all individually owned. There's no management company or service contract. I have buildings and contents insurance with my mortgage provider but it's gone…
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Reducing Flood Insurance Premiums
I was one of the victims of the 2007 floods and after having my house repaired by my insurance company I was faced with double the premiums and an excess of £15000. My advice to anyone else in this situation is to ask if your insurers will give a discount for fitting flood defences. I spent about £300 on door barriers and…
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New income protection policy - is there any point?
Hi all Bit of advice needed if possible. Although, thankfully, my current employment seems to be holding up ok, I have a large amount of debt outstanding (I'm working on it!) and I was thinking of taking out an income protection policy, just in case! Problem is, it seems most insurers have a "forseeable redundancy" clause…
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Advice needed: Critical illness cover
Hi all, 2008 was a trying year for me...(sorry for the long post) I took out CI cover with Bupa in May 2007. In Sept 2007, I was diagnosed with Diabetes type 2 (which is excluded from cover as other family members are Diabetics). In May 2008, I suffered a 'stroke' and went into hospital and discharged with TIA (not covered…
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directtravel insurance
just got my anual renewal for worldwide travel.they nolonger cover you for travel to cuba.good job i took time to read the burb.bet alot of people miss that.got to change provider now.
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Definition of "new customer"
I posted a similar message in someone else's thread a few days ago but didn't get the answer I was looking for so apologies for asking again but I want to be sure before I buy which has to be in the next 5 days. When I get my renewals I always phone up to say "please allow my policy to expire", then I buy again online for…
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Used HelpHire, now possible court hearing!
Dear All, Last December I was involved in non fault car accident with another vehicle, independent witness verified it wasn't my fault as did the police. My insurance is with AA who put in touch with HelpHire who provided me a car for the duration of the repairs. As it was just before christmas the decision on estimate &…
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Contents insurance re. flat
Just a hypothetical question but one that struck me today. I have a first floor flat, and wondered what would be the situation if the flat below had a fire that resulted in damage to my own property. Would I be expected to claim on my own contents insurance, or would I claim on theirs, assuming they have any? Presumably…
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Car accident
Hi, hope this is the right place. Someone drove into our car last night and it is not roadworthy. Unfortunately, the repair company cannot provide a courtesy car until the week of 5th jan as the bodyshop is not open until then. The insurance company have advised that they cannot provide one until the guy who crashed into…
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Curry's Whatever Happens Cover "MISOLD"
Hi, I took the currys whatever happens cover out about 2 and a half years ago when I bought an LCD TV for £1500. The salesperson assured me that under this cover my TV would either be repaired or replaced within 21 days if anything went wrong. As my parents had purchased a PLASMA TV before me and this failed after just 14…