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Home Insurance - Is my property a coach house?
Hi all, I would like some help in determining what my property is classed as? This is my first home and I purchased specialist coach house insurance, which was a lot more expensive than I anticipated. My broker said that they actually classed my property as a town house, but I am unsure if this would be the case for all…
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Delay in declaring minor car scratch damage to insurance company - will it invalidate claim?
Hi there, I would like to get some advice if possible as unsure what to do. I should say at the outset that I genuinely didn't know that you need to declare any car incident to your insurance company regardless of fault or severity and even if you don't intend to claim. I feel quite stupid now for not knowing this! Around…
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Liability insurance for a rented property for a pet
Hi Everyone, I’ve got a different query today my landlord has said I can have a pet, a dog, but to be able to have the dog I need liability insurance for the rented property in case the dog causes any damage. I’m having a bit of an issue trying to find this type of insurance and does anyone know any providers that does…
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House fire; found out home insurance not autorenewed
Hoping for thoughts and advice from anyone who has been in this or similar situation, or knows about home insurance and autorenewal. We had a big house fire Saturday night. We all (me, DH, dd8, ds3; both kids with additional needs) got out. Fire confined to garage and room above, but caused structural damage; rest of house…
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Lost ring insurance question
Hi, I have been reading lots of posts people have asked about contents insurance claims for jewellery but from what I've read most seem to be about insurance specialist not being able to replicate the item and thus offering a lower cash payment. I lost my wedding ring a couple of months ago the ring isn't too fancy but it…
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Insurance refusing to pay out
Good morning, all. I really need some advice. My mother (who is in her 80's) has had the roof of her house significantly damaged as a result of a fire that started at the occupied property next door, last week. The residents next door are insured, and their property is being taken care of, but their insurance company is…
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Car insurance company offering cheaper deal than when I change my details with them
Hi, Im in the process of changing my car. In January I started my policy on my current car. I have seen, test driven and want to buy this newer car due to been bigger and more family based than my old car. I did an insurance check through moneysupermarket to see how much and the cheapest qoute is with my current insurance…
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New home insurance when we have an open claim
Hi Our home insurance is due to end in 2 days, we had already been notified it wasn't going to be renewed some time ago due to the underwriter dropping out the home insurance industry and I had been looking for new cover when we had a house fire (tumble dryer). We are now at the beginning stages of an expensive content and…
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Life insurance and trustee - cancelling
Hi everyone, Ive had a life insurance and now come to a point where I want to cancel it. My wife at the time persuaded me to get it and we have recently separated. When I phoned Legal and General they said that the policy has a trustee (my ex wife) and that she would have to close the account. I didn’t know she was a…
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Car insurance land rover
Hi Looking to buy a land rover evouqe done some qoutes but are really high Does anyone know of any companies or sites that offer better rates than £1.5k?? Many thanks Andrew
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Travel Insurance - money back
Does anyone know the likelihood of getting a refund due to exceptional circumstances. I broke my heel and cannot travel, my dad also took a stroke a week later. I am insured but my boyfriend wasn’t as the holiday was a surprise so he was due to purchase it just before these events happened. Asked to speak to a manager at…
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Insurance question about key operated windows.
Hi folks, When putting details in for insurance quotes I always get this question, Do all accessible windows (ground floor) have key operated locks? They actually do, but for safety and other reasons I never lock the windows so I answer NO. Since they don't actually say to keep the windows locked on the quote details do…
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Home insurance cancelled - can I do anything?
Last year we had a loft conversion. Prior to it starting we told our insurers at the time, Aviva, about the works and they refused to cover it because it was out of the scope of what they were willing to cover (possibly because it was over £75k) and therefore they notified us that our policy was to be cancelled from the…
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Repair claim from other car insurer
I had a ding with another driver who accepted full responsibility. The damage to my car is just the front bumper paintwork, approximately £350 plus hire car during works. I haven’t informed my car insurers and the other insurer, Admiral, has offered to cover all costs and I’ve agreed to use their choice of body shop. Am I…
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Aviva life cover; feasibility of continuing paying premiums?
My wife and I each have an Aviva over 50s life cover insurance. My wife's policy costs £20/month and pays £4,143 in the event of her demise. My policy costs £30/month and pays £5,888 in the event of my demise. So far, she has paid £3,120 in premiums and I've paid £4,680. Question; There will come a time when we will have…
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Home insurance buildings only
Hi folks, Due to a high rise in the price of home insurance I am thinking of only getting a Building only policy this year, taking into consideration I would more than likely not claim anyways on contents eg broken tv stain on floor etc and the subsequent rise in premium on subsequent years. I have had one claim only in my…
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Negotiations with the third party solicitors have broken down
Dear All, Not sure if anyone can give me any advice as this has never happened to me or my partner. At the end of last year my partner was rear-ended at crossing in a 30mph zone because another car had rear-ended the car behind my partners so three cars involved. Received an email from her insurance company(a very large…
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ARO Insurance. Any comments.
Hi. I've been shopping around for landlord insurance and got a good price from ARO. Their excesses are very low as well. I've never heard of them so does anyone have any experience or knowledge of them? Many thanks.
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Life insurance taken out 2017, want to check it's reasonable!
We used an ifa when buying our house in 2017 who alongside sorting our mortgage, brokered life insurance with LV. A few questions: 1. We're paying £67 pm for 80k life cover, and income protection at 1k pm for me if I were to be unable to work, and £450 for my partner. I realise these amounts are not very much especially…
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Travel Insurance-Don’t Want Pre Existing Conditions Cover.
Hi All, First time on here and posting after pretty fruitless search for an answer. My question is can anyone recommend an insurer where you are not required to have cover for any pre existing conditions? We have a Nationwide Flex Plus account which includes travel insurance and this issue came up some years ago when…
