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Pet Insurance - Out of hours
Hi Everyone, Last Friday evening at 4.30pm, I had to rush my pet dog, Winnie to the vets. Upset and unsettled to hear she needed urgent medical attention and would need an overnight stay with a potential ultrasound. Luckily, I had lifetime cover for Winnie up to the value of £10k with no previous claims. The estimate came…
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Medical travel insurance claim refused
Hi, really appreciate any advise here. My wife and I were recently due to go to Portugal for a few days when my wife did something to her back and was advised by our GP not to travel. We had taken out travel insurance and declared a number of pre-existing medical conditions. Back pain was not on my wife's record. Our claim…
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International Private Health Insurance (China)
My daughter and her boyfriend are soon moving to teaching jobs in China but international health insurance seems to be extremely expensive ( this might be the case but since it’s all new to them they are unsure) . They got a quote from AXA for over £100 each per month - please does anyone have any tips/ recommendations for…
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Landlord Buildings Insurance/Residential Buildings insurance.
Buildings insurance advice please. I live in a Victorian conversion. Two flats, one building. One flat is owner occupied, the other is rented. The two flats have separate owners. Share of freehold. What are the options for buildings insurance please?
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Private Health Insurance - Don't know where to start..
The NHS services where I live are shocking bad, and I'm in the fortunate position now my mortgage is paid off to afford up to £70 a month for private insurance. But I just don't know where to start, even the comparison sites seem confusing. I'm 56 and in good health except for some acid reflux caused by a small hiatal…
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Travel insurance refusal
I’ve had insurance through my bank for years. I’ve had a heart attack 2 weeks ago so called to tell them. Were ment to travel in 3 weeks. They won’t cover. hol company said they will refund if they have a letter from insurance saying they won’t cover. it was hard going but managed to get a letter but it stared pre existing…
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Private health insurance question (Beneden Healthcare)
Hello All, Looking for some advice if possible. My mum pays into a scheme with Beneden Health (for past 3 years) Recently she had an injury which has turned out to be a chipped bone in the ankle. The GP sent her to hospital who then did and X Ray and found the fracture. She has been advised that she needs to see an…
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Permanent health insurance costs?
Hi all so I have had a PHI policy for around 15 years now, and so far not had to use it “touch wood” I have changed jobs a few times and salary has risen, so decided now I have reached the grand old age of 50 I needed to look into it, and found i was down £100 a year, so previously I was paying £72 a month for around £400…
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Recommended building insurance for water leaks?
Hello We've had a leak due to some shower issue fixed by our builder some time ago but we're worried about further leaks as sometimes we hear a dripping noise after/while using the shower on the level below but no actual leak can be seen. So we wondered if there were any recommendations for home insurances that cover water…
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Single Trip Insurance for Family with different return date
Dear Members, I have purchased a single-trip travel insurance policy for
my family, covering the policy period from 1st July to 10th August. While all travellers listed on the policy started the trip from the UK on the same date, their return dates vary. However, all are scheduled to
return before 10th August, within the…
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Ex-partner's home insurance on our jointly-owned property
Apologies if this is a bit long but here's the background story. My ex and I broke up at the end of last year. I moved out, and she is still living in our house with our son. I pay my half of the mortgage. She pays the bills and has taken out her own home insurance policy in her name. As a co-home owner, I believe I am…
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Building Insurance
If someone buys a property then discovers an issue which they refer to their Insurers, do the Insurers then go back to the Vendor even if this was an unknown issue to them?
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Is a Fresh Credit Check Done Before Car Insurance Auto Renewal?
My car insurance is upfront or renewal soon - I always paid monthly (with no issues.) However, my credit score is not very good just now. Will they do a fresh credit check before auto renewal, even though they have had no problems with me? Thanks.
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Multi Car Insurance Has a little known risk
Just found out after my wife had two no-fault accidents in her car, that because I am the policy holder on our multi car policy, even though I was not involved in the accidents and they did not affect out no-claims bonus, it has increase my premiums by 25 percent. If we had separate policies with one in her name, I would…
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What to do about car written off
Hi. I have never been in this situation before and seeking impartial advice. My parked car was shunted by another parked car which had been crashed into. Therefore my car was not directly involved in the crash. I contacted my insurance as there was minor cosmetic damage to my car, and visible damage to the shunting car…
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Travel claim refused
I was booked to go to New York in May from Saturday to Saturday. On the Saturday morning I received a text from the airline to say my flight had been cancelled due to technical issues and I'd be put onto another flight. The next flight was on the Sunday and via another country. I lost out on a day of my holiday, couldn't…
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Insurance Renewal Problem
I'm unsure if this is the kind of issue that should be discussed here , but need to get advice. My mother was admitted to hospital several weeks ago in a rush. She is 96 years old and not very well. She received a message on her phone telling her that her COOP house and contents insurance was due for renewal soon, with no…
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At our age?
Hello, I'm 80, my wife is 74, we have a life insurance term ending in 2027. We wonder if it would be worthwhile to enter into another agreement which would be relatively short-term, obviously, but which would help further if we survive for a few years. I'm thinking mainly of funeral exes (rather than entering into a…
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Sharing my experience of Dynamo Cover ltd insurance products
Absolute shambles of a company. Their policy documents refer claims to a third party company who have no access to policy numbers so were unable to deal with a claim. Their telephone number is automated and after directing you to an online portal it automatically hangs up the call. The online portal didn’t recognise my…
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Bike insurance claim help…. Please!!!
Hi all - please help! My insurance company have turned down my claim for bicycle theft. i was in the house at the time, so the front door wasn’t locked. I think the wording is vague, would really appreciate any help. The security requirements from appendix 1 mention “security devices” but no definition of secure devices is…
