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Mortgage Life Insurance - again
Hello, I've been researching a lot about the mortgage life insurance, the decreasing type, to insure our joint mortage. There is one aspect that I can't quite get my head around and it is the inheritance tax implication. As I understand it, on the event of the death of one of the policyholders, the bank will pay out a sum…
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Home insurance
I am hoping for advice. My son bought a house in June this year and, before relocating, is renting it out short term. When he rang to arrange landlord insurance the insurance company said their records showed a previous insurance claim for escape of water in 2021. Strangely, it was in his name but for our address. Although…
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Credit Van Hire
My husband entered in to a Credit Van Hire after a no fault claim This was instigated by an Accident Management Company and surprise surprise also the owners of the Credit Van Hire. The third party insurers accepted responsibility and offered a settlement figure as the van my husband owned was deemed a write off. The AMC…
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No Fault Insurance Claim - really confused by credit agreement?
Someone hit the side of my car the other day (they entered the roundabout into my side). We had a witness and according to my insurer they have admitted liability My insurer is Budget and they have passed things on to Enterprise Rent A Car I've never been in a car accident before so this is all new to me and I've just been…
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Home insurance - Can I / Should I claim?
Wondering if anyone can help me with this? We have buildings & contents insurance with accidental damage for our home. Over the last few years we've noticed the front door causing an issue in the way it closes, meaning that it bangs against a dwarf wall and attached half window, which has now led to cracks in the…
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Old TSB life policy
Hi, not sure if anyone might be able to advise on this... My mother passed recently and her paperwork included a small life policy taken out with TSB in the 1990's. Looking at her most recent bank statement, there's no sign of current payments to TSB but the exact same amount quoted on the TSB policy is still being paid…
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Cat insurance increase
I have a cat insurance for around 10 years, we have claimed £300 over the past 2 years. We've noticed that whatever they pay out in insurance, they up the insurance, the very next monthly payment by what they gave us. For example, we've just claimed on a £300 total vet cost. Our in surance paid £120 out to us. 3 days later…
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Domestic and General Appliance Insurance prices
I have my Zanussi washing machine covered with a D&G policy. Currently the price is £7.49/month. Just had a letter saying it is going up to £10.10/month. Too much! A 35% increase!So I phoned them to cancel the policy, but they then offered me a price of £7.29/month.Another case of firms charging what they think they can…
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British Workmen's Friendly Society
Hi I would be grateful if anyone could point me in the right direction to contact the company now responsible for a life insurance policy issued by the British Workmen's Friendly Society, 122 Colmore Row, Birmingham - the policy was taken out in my late mother's name in 1959 and I have so far been unable to find out who to…
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Employment status on car insurance for carers
Hi I wonder if anyone can help me? My 55 year old brother has given up work to care full time for our parents. He lives with them and claims carers allowance. As he will now be the main driver of our parents' car I feel I should put the insurance in his name. I am trying to find the best description of his employment…
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Flat Insurance
If a freeholder of a block of flats did not insure the building, but allowed each leaseholder to take out their own building insurance would their insurance be valid in the event of a claim?
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Hire car insurance claim for missing part (no accident or theft)
Hi all, I have just returned a courtesy car I was given whilst our car was in for repair following an accident. Whilst I had the car I had a few issues, one of which was that the wheel centre cap/hub cap fell off on a journey. No damage, no accident, no theft. It was there when I set off and wasn't when I returned. I…
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Roof leak they won't repair
Recently had an obvious leak, with an unused bedroom ceiling leaking water and subsequent staining. Direct Line said they wouldn't cover it despite us having building and contents cover together with accidental damage. They said there'd been no sufficiently powerful storms in our area to cause it and sent some bloke out…
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AXA - Pre Existing Condition query (URGENT)
Sorry to put urgent in tag line but I’m currently on holiday and my wife is getting due to get emergency surgery (2nd of 2 procedures) we’ve been in the hospital for 4 days already (so there’s a day rate for the applied). So the query here is around pre existing condition. Now as I understand it insurance companies can…
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Nova Direct Breakdown cover ripp off
really poor customer service, cheap policy but a rip-off. Waiting time up to 4 hrs, when complained they charged me £100 and sent it straight to debt collectors. Really nasty company. AVOID unless you don't mind being ripped off. Their policy's wording is confusing. If you are in an emergency forget it, pay a bit more, and…
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Nationwide Travel Insurance
My complaint to Nationwide You advised me that you had changed to Aviva from UK Insurance and that the cost was going up from £13 per month to £18 P/m I duly followed the links and registered with
Aviva and was asked to complete the health questionnaire which I did They charged me £506 which although was more
than the…
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Landlords Insurance
Hi I've recently let a property via a letting agent, I assume we need to have landlords insurance in place but when I've tried to get cover it says the tenency agreement needs to be in place for 3 months, what do I do in the interim?
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RAC Hidden charge of £168 for burst tyre
We recently hit a curb when turning into a supermarket car park which burst the tyre. The curb was all smashed up and we weren't the first to hit it. We called the RAC and were charged £168 for a call-out despite being a member. They consider this kind of incident an accident. "As a member of RAC, you have access to our…
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Vitality are screwing me around
We were on a health insurance plan that allowed us to cancel whenever we want. So we phone them up and cancel the plan, and the advisor assures us the plan is cancelled and that we will get confirmation through. We were actually even advised that we could cancel the direct debit if we wanted, so we did that too. I'm glad…
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Help me choose a new Buildings/Contents policy
As the title suggests, I'm about to take out a new policy. We've been having work done on the house so I've had specialist insurance for the last 6 months. The work is almost finished (just some decorating left) so I'm ready for a new policy. Usually, I use the comparison sites on here and then choose a company I've heard…