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Car insurance settlement
Mum was reversed into on Sunday and has now received a written off settlement from IMS. I have seen comments on social media saying never accept first offer. The car was low mileage but did have some wear and tear. It is 10 years old. I have told her to wait till I can find out a bit more before we accept an offer. Any…
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Building Insurance Issues after Full & Final Settlement
Hi everyone, I wonder if someone can assist me with understanding Full & Final settlement and assist me with the situation I am in. Background: I had a water leak which was timely reported to the building insurance upon discovering and fixed immediately to limit damage. However, this leak was hidden leak, and this caused…
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My insurance claims i have made a claim when i have not. How do i renew or move elsewewhere?
Three months ago my wife tried to call our insurer (Policy Expert) but kept getting put into queues and so decided to go the automated online route. The route was very limited and so, for a floor that was a bit wobbly in the bedroom and is located next to the en-suite she could only find the option of burst pipe. Her logic…
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Critical Illness Payout
My husband has been diagnosed with terminal cancer. He has a critical illness policy with LV and Aviva. The LV was taken out before the Aviva in May 2022. At the time of taking out the Aviva policy the nurse registered a slightly raised blood pressure, this was then followed up with the GP who just said fine just need to…
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Getting a home insurance quote
Hi I am a 1st time buyer. I was trying to get life insurance and critical illness cover with legal and general. When they ran through the questions they declined me for critical illness but would cover me for life insurance. So I went elsewhere and have got life insurance and critical illness cover. Now I'm trying to get…
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Vehicle Insurance Question....
I have 2 vehicles on two separate insurance policies, which I'm happy with. Vehicle 1 Registered and owned by me. Used by only me. Only me insured. 19 years no claims. Vehicle 2. Registered and owned by me. Used by my wife and myself equally. Me as main driver on policy, Wife as additional driver. 5 years no claims. I have…
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Pet insurance problem
I took out pet insurance in September. One of the things I had to answer was: "has X been currently suffering from [anything, I presume] or has your pet been examined or treated by a vet?" Poor English, but I took it to mean "is your pet currently suffering from something [for which they have] been examined or treated by a…
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Insurance refusal
On the 16th of june 2025 at around 5pm I was on the cambridge roundabout in the correct lane trying to go straight and someone was on the right of me trying to cross over two lanes and he nearly hit the person infront of me. Then the person infront of me got away and the person the right had stopped and I proceeded to…
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Insurance Claim/Voided policy quetion
Dear all. I took out an insurance policy in July 2023. The policy renewed in July 2024 without claim. I had a leak in my property in September 2024. When I took out my policy, I was having building work done in the house for two years. The property was uninsured. Once the property had got to state where all construction…
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Currently have life insurance but moving house and need more cover, cancel or have 2 policies?
I've currently got life insurance with L&G for £200,000 with critical illness for £40,000 (as it covered our disabled daughter too). This is just in my name. Since taking it out I've got married and now we're in the process of moving house so need more cover for the increase mortgage amount. The new mortgage will be…
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Are there any comparison sites for stand alone Personal Injury/accident insurance?
I am seeking reasonable cost PI or personal injury insurance. I wish to supplement my Personal .Accident insurance on my car insurance which I find too small a sum payout. Other than that can anyone recommend good quality standalone Personal accident insurance from a major insurance company. The only one I can find is…
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Burglar alarm malfunction - just before holiday
Our building and contents insurance requires a burglar alarm, with phone monitoring, as part of the policy conditions. The alarm has a malfunction (it’s due to BT digital upgrades); the alarm upgrade has not worked and the engineer has tried everything but cannot make it work. We’re going on holiday in two days time and…
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Topcashback not paying money promised for insurance policy bought - is there nothing I can do?
After buying a buildings insurance policy via topcashback, the cashback was not paid so I raised a claim on the topcashback site. I've just found the following message on the site (in relation to my claim) - is there nothing more I can do now? After all, I used their site in good faith and followed their instructions.…
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Private plate car insurance - haven't purchased the car yet
Hi all, Hopefully a quick simple query.. A car I'm about to purchase currently has a private reg, I want to insure it in readiness for collecting it at the weekend.. Would I be OK to insure it now under the private plate and then change the reg with the insurer once I've collected it and the plate has been unregistered…
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Help me figure out CAT N total loss for car insurance.
Hi Basic info I bought a Citreon C2 (~20 year old) last year for 950. Recently, a driver scratched and dented my car (above rear right tire) in a narrow road. It is not a big one but insurance has figured it is a total loss and awarded CAT N. I have dash-cam video of other vehicle license where I am stationary and other…
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Critical Illness Claim Refused by Insurance Co – Type 1 Diabetes, FCA Breaches & Neurodiversity Conc
Hi everyone, I’m reaching out for support and advice following a difficult experience with my Critical Insurance Provider and the Financial Ombudsman Service. I’m hoping others may have faced something similar or can recommend a way forward. Background I took out a critical illness policy in 2022 via a price comparison…
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Advice re insuring against tree damage
I’m not sure if I’m posting in the right category, but I’m trying to get some advice on an issue with a tree at the end of my garden. I have been in my house for 20 years, and the back of my property has a bank that I have never considered to be part of it. A beautiful lime tree sits at the top of the bank and I have…
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Critical illness insurance - late claim
In
2000, my wife and I took out life insurance polices with Norwich Union, as we
were advised to have these in place across our 25 year mortgage term. These
were later taken over by Aviva. All premiums have been paid monthly throughout
the life of the policies and we are due to continue paying premiums until Oct 2025 when…
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Alcoholism, alcohol related conditions and life insurance.
My daughters partner is an alcoholic and has recently been diagnosed with liver disease. He's been advised to give up drinking but shows no sign of doing so. They have life insurance to cover their mortgage but the liver disease isn't on it. Should she contact the insurers to have it added and what would the likely outcome…
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Advice on claiming through MIB
Hi, I would like to know how easy it is to claim through the Motor Insurers Bureau as a direct claimant? I would like to avoid paying solicitor fees of 20% if I can, but I would like to know if I am much more likely to receive compensation and receive more if I use a solicitor.
