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Axa Sunlife
I have been looking over some documents for somebody and they have a Bonus statement from Axa Sunlife. I do not believe this is the cashbuilder plan as they actually offer this as a separate pull out within the letter. I am trying to work out what it is, because the bonus rate of 1.25% of the sum assured + bonuses is only…
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has anyone used Cavendish online as recommended
by Martin on this site to sort out their life insurance policies? i am thinking of doing this but want to make sure that it is ok as a company and we wont have any nasty surprises if we do ever have anything wrong! thanks
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Car W/Off and payout very low, do I have to accept it?
Hi all, I have a slight problem. My car has been written off, it is only 2 years old and cost 10k has a book value now of 6k, maximum. I have a obvious concern that the insurance will offer/payout far less than the car is worth and I could not possibly replace it with something of the same quality. If/when the insurance…
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Car insurance renewal with existing insurer
Hi, Martin has always said when you phone round for quotes at renewal time, try your existing insurer but as a new customer because they always charge more for renewal of an existing policy than if you were taking out a new policy. So when they find out that you're already on their books, what do you tell them to get your…
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Starting from scratch again
For the first time in my life, I have to get car insurance in my name. I am well outside my comfort zone and cannot afford any expensive mistakes. As I am starting with no (or just the introductory) NCD again, I presume that paying the extra premium to protect this is cost-effective. My car is (according to Parkers) only…
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Homequote direct and mortgage on house!!
Hi just wondering if anyone has used this company. I got a quote for my sister in law on line via moneysupermarket.com which was much cheaper than her current provider ABBEY.Which she paid online using her credit card. But to cut a long story short i think she is being diddled now because a customer services person phoned…
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Contents Insurance
I am trying to find a cheap contents insurance policy. I have looked at all the websites suggested in this website but only Endsleigh will quote me and More Than's website is not loading! Endsleigh's quote is about £340, which I find steep. Unfortunately, my "contents" estimated value is about £3250 (I don't own any…
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Do buildings insurance policies normally cover underground water supply pipes?
Hi, I've posted a general rant about my water supply pipe problem in the Utilities branch but I thought I would ask the above question here in case any of you are insurance 'experts'! I face the prospect of fixing a leaking underground supply pipe at my own expense. I live in an apartment and pay a service charge - which…
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Proof of no claims bonus
Hi All Can anyone tell me, is it a new idea for insurance firms to ask for proof of how many years no claims bonus you have? Both mine and my OH's car insurance companies have asked for it but its not something we've been aware of before. It's not a problem as we both have 9 or more years worth, but it's easily missed when…
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Car Insurance excess - help!
Afternoon all, first post here so please be gentle... a few weeks ago I reversed my wifes car into a skip (stop laughing). The skip was illegally parked, no cones, lights or license to park on the road. It was half-on/half-off the pavement. We took photos to prove this, and even contacted the Highways dept at the council…
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new driver - new car - best insurance??
Hi there!! I have just got a car!!! I am so excited but I need to get some insurance but have a couple of probs: I cant drive yet :eek: - I know its crazy to get a car when I cant drive but my neighbour (who I bought it off) has said she will give me a couple of lessons so long as I get lots of proper ones as it will get…
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Assurance/Insurance cover for nursing at home
Hi, I'm looking for information on Assurance/Insurance policies to cover nursing at home. Any information would be welcomed. Cheers.:eek:
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Assurance/Insurance cover for nursing at home
Hi, I'm looking for information regarding Assurance/Insurance policies to cover the cost of nursing care at home. If anyone out there has any information on this subject I would be most grateful for your advise. Cheers :eek:
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'Unfair' Exclusion ?
Hi All, I need some help. I have tried to make a claim on our household contents insurance and it has been rejected out of hand, I feel the exclusion is unfair and I would appreciate your thoughts. In a nutshell here goes... I was due to play football, arrived late, walked onto the playing ground the game had started. I…
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Disability and Motor Insurance
For six years i have been suffering from a bad back and have trouble walking some distance. These do not affect my driving. My car is not adapted in any way. Have recently been awarded a high mobility rate of disability living allowance. So this in a way labels me as 'disabled'. Do i have to inform my motor insurance? I…
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M & S insurance
I did a search on moneysaving expert for car insurance and got a quote for £148.54. I got a quote for £188 using r points. There is a difference of nearly £40, unfortunatley there are no cash back with M & S on quidco. I have been trying to paste the link to the r points link but when I get my quote there is no website…
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Cheapest home quote is new quote with existing insurer through Quidco...
Can I do that? Anyone tried? We're with Barclays, renewal quote is £322.97, I've ticked the box to say I do have an existing policy with them, so I'm being open about it, but if I go through Quidco I can get £125 cashback and a like-for-like policy is coming up as £238. BIG difference. Have tried the recommended comparison…
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insurance ties
my son is tied into to a payment protection plan which was sold to him by thr mortgage advice centre when he purchased his house 2 years ago he has since changed mortgage lenders got a job that pays him sickness benifit .so the insurance is a burden at 100 pounds a month .he says he can only cancel after 3 years .is there…
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life insurance/critical illness/income protection help
hi all am after some advice please.......... i am looking to take out a decreasing life policy to cover my 25 year mortgage.......i am also going to be taking out an income protection plan(PHI not MPPI). from what i read income protection is very good and should payout any time i am off work.....so if i was ''critically…
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Motor Insurance Cooling off?
Hi, I have had difficulty in insuring my car as its an import. Most insurer's won't insure me without a UK registration plate. I found one broker who arranges it based on the chassis number, but the price in 4 times the normal cost. They said the premium has to be paid in full up front and no refund will be given if the…