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Motor insurance renewal. Unfairness on law abiding policy holders.
I appreciate that this topic has been subject of previous forum discussions but this is just not fair. In brief. I am a long standing no claims multiple vehicle policy holder on cars, motor homes and motorcycles. Last June 2025, I parked my car, lawfully and with permission, on a school car park clearly within a marked…
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Car insurance claim query
I had a (very) minor accident in December 2023. I suggested to the other driver that we leave it to the respective insurers to sort out liability as we both essentially thought the other party was at fault. I opted not to claim on my insurance but to pay for repairs myself which cost me £240 which will give some idea of…
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How to escalate to Financial Ombudsman (Subsidence Insurance Claim) (
Can anyone offer me some guidance re taking a case to the Financial Ombudsmam? On behalf of my late 88 year old father, the Insured, I instigated a subsidence claim on his home insurance policy with XYZ in Nov 2020. After multiple attempts by XYZ and their loss adjusters (360 GlobalNet) to deny subsidence (including…
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Elite Insurance / PwC letter re: Administration
Hello I've received a letter today from PwC who are administrators for a company called Elite Insurance that went into administration in 2019. That seems legit and I have verified on FSCS website. The letter suggests I had a policy with them (quoting a policy number) and asks if I have a claim. I have no recollection of…
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Buildings Insurance
Having inadvertently allowing my buildings and contents insurance to lapse, Admiral cancelled it on 16/01/26, charging me £45.37 for, what I’m informed was the outstanding balance. I thought I’d be continuously covered! Anyway, I’m now looking to get a buildings insurance policy, but in completing the questionnaire I have…
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Input appreciated
I raised a claim with the insurance company that holds the warrantee for my house regarding potential water ingress at my patio doors. The concern is that the external patio slabs have been laid at the same level as (and in places higher than) the internal finished floor and door threshold, meaning there appears to be no…
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Warning: 24/7 Home Rescue – left without heating for 9 days, policy ignored
I want to share my experience with 24/7 Home Rescue so others can make an informed choice about boiler/home emergency cover. Timeline: * 1 Jan 2026: Reported boiler failure (“No Flow Lockout”). Engineer reset it but did not investigate the fault. Heating returned temporarily. * 2 Jan 2026: Boiler stopped working entirely.…
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oil leak, neighbours tank leaked into my garden
Hi My neighbours oil tank has leaked causing substantial damage to his property and some to mine his insurance company is refusing to take responsibility for my damage. My insurance company will charge me £500 excess if I claim. Has anyone any suggestions as to how to proceed Thank you
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What insurances apart from Buildings & contents are recommended after paying off a mortgage?
We have just paid off our mortgage (December 2025 ) but at the moment we still have life insurance, critical illness and income protection. If one of us passed away (husband) we have enough for the funeral. Myself and husband own our own business (Ltd company) What if any insurances are recommended at this time please?
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Mobile phone insurance
My boyf gave me his phone when his contract ran out. Trying to find a gadget insursnce to cover it is impossible. They want a receipt to prove its under 2/3 yesrs i dont have one. Any advice? I have the same issue witb my lads tablet too
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Car Insurance write off claim closed
Hi all, let my tell you a story with my car insurer. I was involved in a small accident where my car side was scratched and scuffed and insurance declared it a write off and offered me a low amount of money. I had declined and managed based on my car extras to make them agree to pay almost 50% on top of the initial value…
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Home Insurance, second claim yes or not ?
I'm sorry for the trivial question but we are very confused Nearly 3 years ago we made a claim for a water leak on the ground floor, it was a nightmare lasted two years Now we have a leak from some drain pipes on the upstairs bathroom, is not huge but we can see the signs already on the downstairs toilet ceiling and…
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Buildings insurance and a tree which has grown, and now need to declare in my building ins renewal
As above We've lived here for a few years and the single conifer was about 7 feet tall several years ago. ago but now it is a lot taller and in my view, as now falls within the height and distance from our home where you need to declare it on your building's insurance—approximately, what percentage increase can we see on…
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"No thorough inspection" = damage noticed after home insurance renewal deemed "false information"
Summary:Subsidence claim denial and removal of policy has been attributed to lack of inspection at a level beyond a (in this case fairly knowledgeable) layman's ability prior to answering renewal questions, making the answers misleading - meaning that the expectation from the insurer is for there to be a professional…
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Insurance Depreciation
Hi. Any help on this appreciated- We have claimed on my daughters insurance for her laptop which she split water on! All going fine till we had a bill from the insurers for £384, I was expecting to pay £100 excess. Having spoken to them it seems we have to 'pay' for the deprecation. We will receive a new laptop 2022, which…
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Admiral Car Insurance - Disclorsure Policy Question
Hi long time lurker, first time poster. My friend was recently looking to buy a new car and after running some insurance quotes asked me a question regarding Admiral's car insurance policy as I used to work in a similar industry. Key Info: * They currently have a car insurance policy with Admiral. * A couple of months ago,…
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Multibuy Insurance car and home
Helpful advice on MSE this week to save money by buying home and car insurance on a multibuy basis. However, be aware that the insurance company will quote to end both policies (car and home) on the same day, postponing the second policy start date until your existing policy expires. This means that your quote will be for…
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Ex company car driver car insurance
I've been driving a company car for the last 25 years and so have not had to take out any insurance. I am now retiring and need to take out car insurance. I can't get an NCB letter from my insurer as my company insured third party, although I do have a Driver History Letter from them. How do I go about getting myself…
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changing occupation on home insurance renewal
I've had my renewal documents through the post. I was surprised to see my occupation listed as it was a reference to a job I had a few years back. I looked up my documents from last year and it had my occupation for last year, so different than what's on the renewal which seems very odd. I suppose they may have reduced the…
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Pet insurance Petplan v many pets v other
Petplan increasing their premiums 20% yet again this year, too much for us. I’ve heard good things about many pets insurance, has anyone got experiences with them? Or other who stand up to petplans offering (appreciate it will not be quite as good) at a slightly more affordable cost? For info 2 domestic shorthair cats,…
