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Car Insurance + NCB
Can anyone help with NCB, I'm really confused. Took out a policy today to start in a few weeks. In March 2022 my policy ended with Aviva and I had 12 years protected NCB. I then went with Budget Insurance and they said I had 9 years NCB at the end of their policy. I then went with One Call Insurance and they also had 9…
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Comparison sites
Hi all so my home insurance quote with my current provider changed from £600 odd last year to around £1100 ("cost of building materials", blah blah). Hence I, as Martin quite rightly recommends, used the comparison site facility on the MSE website to see what was available. I had 5 claims in the last 5 years (although one…
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Car Insurance.
A friend had an accident just 2 days before her car insurance cover expired. She has a different policy provider for her renewal and a deposit has been paid for a monthly payment. What does she have to do now? Will her insurance premium go up straight away with her already agreed policy with the new insurance provider if…
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Life Insurance help
Can someone explain to me in Simple terms please? I turn 40 this year, have never had life insurance. Am single no kids, no savings and a low paid job in a school. I'm on a permanent 52 week contract but don't get paid 52 weeks. I would like to leave something to my nieces and nephews when I do go, I want my bills and…
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House/home insurance inflation.
Hi Folks, I've been tracking my domestic building/contents insurance renewal inflation since 2020, shopping around each year to try to get the best price. The cheapest cover has always come from the same broker (sometimes loyalty does pay?) but price inflation has been as follows: 20/21 0.00% 21/22 -13.40% 22/23 +13.76%…
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Have Direct Line et al stopped issuing quotes 90 days before? It seems 30 days only now?
Any reason why?
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Building Insurance Claim for subsidence not getting sorted
My elderly parents have an insurance claim for a property that is subsiding (again). They put in a claim November last year, and nothing has been done apart from surveyors going in and sub contractors engineers looking at the work required. My father, (until 6 weeks ago when my mother had a mild stroke) wouldn't let any…
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travel insurance waiting for medical appt
Can anyone recommend a company that will cover someone over 70,with pre-existing conditions, and also awaiting an appointment for diagnosis for another? I was insured with Insure and Escape last year, and declared dizziness, along side other conditions. I am now awaiting an appointment with ENT, to find the cause, and now…
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Car insurance for student when home from university
My daughter passed ger driving test in January 2024, and at that point she was put on the insurance for my car (in my name) at a cost of £2300 for the year :o . Since then she has gone away to university, so we are paying a lot to cover her for time shen she is not here. The current policy is due for renewal in late…
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What insurance should I be looking at a solo FTB with no dependants in my early 30's?
Hi, I am just about to complete on my first home. I've been so wrapped up in everything else that I have neglected to think about insurance, I am not sure what I should be looking at. Of course I will be buying buildings+contents, this isn't about that. I'm thinking more along the lines of income protection, mortgage…
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Domestic Insurance (Buildings and Contents) quotes and a reliable broker/insurer please....
We have made one claim for a stolen bicycle 15 years ago with our buildings and contents insurance. We own our house outright without a mortgage. We are pensioners with a disabled dependent daughter. Our current broker has quoted around £500 for renewal but with a very new company owing to the previous firm having left the…
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3rd Party Fault Claim
Hi on the late May bank holiday 2024 I turned right into a side street and had to do an emergency stop to avoid hitting a pedestrian who had just stepped backwards into the road in front of me - this resulted in me stalling the car and being completely stationary. A car emerging from the side street and turning right…
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Car insurance payment taken on written off vehicle
Saga declared my mum’s car a total loss in early Feb, settled the claim, and we did the DVLA transfer to their recovery firm. Two weeks later on the policy renewal date they took a payment of £700+ out of her account for the next year’s policy (first quarter of their overly-inflated next years’s policy quote) - even though…
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Had two policies due to auto-renewal
Hello. I changed car insurer last June but in September my existing insurance renewed which meant I paid car insurance to two companies between Sep and Feb. The insurance which auto-renewed has offered me half the money back, do they owe me all the money by law?
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Travel Insurance and genetic testing.
I am undergoing genetic testing as a precaution because a family member discovered they have a genetic syndrome. Have I got the syndrome, insurance is no problem with no additional premium. My travel insurance company initially refused me insurance but after a referral to the underwriter they agreed to give me cover. My…
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Consequences of Home Insurance Claim While Acting as Attorney
My father went into care & lost capacity a couple of years ago. I held power of attorney & became responsible for selling his house. During the selling process, a surveyor alleged subsidence & so I contacted the insurer. Eventually, after months of taking measurements, the insurer concluded that there was no subsidence &…
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Gibraltar & Financial Ombudsman
Hi My motor insurer is based in Gibraltar are they out of jurisdiction for the Financial Ombudsman Service?
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1st Central - Cancelling scam
I am having an issue with 1st Central car insurance, spending all today trying to resolve it. I thought that I had removed the auto-renewal, but after several months I have discovered through bank statements I am still paying for my insurance even after selling the car. Therefore I went on the website of 1st Central to try…
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Misrepresentation
Hi I have just had my motor insurance policy cancelled after they agreed a non-fault claim. I'm a painter and foolishly whilst speaking to the claims adviser mentioned (in small talk) that I had helped a friend out DJing. Since I didn't mention this when applying for insurance they have avoided the policy (careless…
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Unhappy with claim handled by loss assessor
Hi I'm new so hope I can get some good guidance. I hired a loss assessor to handle my house claim in 2023. But I soon felt they were not wholly acting in my interest I.e furniture was "disposed". A meeting followed to resolve contents claim but when asked about whst the valuation was, as i thought to part ways, i was told…
