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Why isnt this covered please? re: house insurance
Hi All I have an Edwardian semi detached. To seperate the houses, is a pane of stained glass - small squares that make up a divider between the houses... if that makes sense! My daughter had a few friends over, a kid turns up that was trouble - he started a fight with my son and then left. He then threw a beer bottle at…
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Outbuildings, covered as standard?
My newly purchased property is a large detached Victorian house, separately in the garden there is a timber cabin which is fully fitted out with electricity, water and heating, bathroom & kitchen, essentially a 1-bedroom wooden bungalow. Full planning permission, council regs approval. It even has a separate electrical…
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Home Insurance for a house with Air B&B
We live in a house with an annex which is attached to the house but has its own separate entrance. We have started to use the annex for Air B&B a year ago. Last year I contacted nearly all of the common reputable insurance companies for home insurance for such a house ( with annex used as an Air B&B) but most of them said…
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Pet Insurance
I have lifetime insurance with Admiral that they claim renews every year, that we have had for our dog since we brought him home. He had an accident and now needs surgery on his back legs, after looking to review our policy to make sure we are covered, our policy was canceled in October without any communication to us via…
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Knee ligament injury - what do I need to tell the travel insurer?
Hello. My son has recently ruptured his cruciate ligament. He is due to go on a world trip early next month and the physio who saw him said this should be ok from his perspective and wait for the operation when he returns home in about 7 months if the surgeon thinks he needs one. He has an appointment with the specialist 2…
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Van insurance renewal higher than a new quote with Directline?
I'm just off a chat with Directline over this. My (personal) van insurance renewal came in last week, with a quote of just over £1400. I just ran the exact same details through as a new quote, and it came in around £1075. Apparently my renewal is the best price they can give me, and they wouldn't budge on the renewal…
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Car insurance through roof
I'll try and keep this brief. My wife and I have insurance for a single car, but unfortunately she clipped a parked car whilst parking and did approximately £600 worth of damage to the other car. None of any note to ours. As we had never claimed before, we decided to go through our insurance. When the renewal came, our no…
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Home insurance claim
I hope I’m in the right place. I just need some help from those of you who are more experienced than me in dealing with insurance claims. I arrived home last Sunday after being away on holiday for three weeks to find my living room, the bedroom above it, and the cupboard in the loft conversion (where the boiler is) all…
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Refused insurance claim due to wear and tear / age (a ceiling has fallen down!)
Looking for advice please. Part of the ceiling in my 1910s built flat has fallen down. It's the original lathe and plaster ceiling. Insurance Company are refusing to cover the repair saying 'wear and tear' is not covered, neither are repairs due to 'age'. I can't figure out how a ceiling can be susceptible to 'wear and…
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Do I need to inform my insurance of building work being undertaken
Do I need to Inform my insurance company about building work being undertaken?
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Illness close to boarding
Hi, We were just about 40 min from boarding when my younger son started to be sick. He had been a bit unwell during the morning but we thought it was that he was tired and hungry. We had a bite to eat at the airport and that seemed to settle his stomach however just before we were due to go to departure gate we had to rush…
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Direct cremation
Considering some type of payment scheme for direct cremation. Am I best talking to an online company or local funeral directors? Tia
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Insurance Company took payment even though not with them?
Hi so I checked my bank account and found a payment of £266 taken from my account by Quote me Happy, Im not with them & havent been with them for a few years, I contacted them & they confirmed I have no active Policies with them, they will have to raise as a complaint & investigate, I contacted my Bank & they said as its…
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Two vehicles / two policies
I have my own car policy with no named drivers and I am the administrator on a separate policy for my husband’s van (different insurer), for which there is currently a claim going through for a minor accident for one of the named drivers. Do I need to declare this for my car policy renewal? Could it affect my car policy…
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Unoccupied house
UPDATE ALL SORTED NOW THANKS Help please, literally at end of my tether. My brother is end of life, I recently let his home insurance know and they didn't tell me they don't insure unoccupied homes. My brother now in a nursing home and I now find I need to find an insurer ASAP. Can anyone recommend one please?
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Left 94 yr old to die in back room as not fixed subsidence 3yr ago
Mums house subsided sept 22 due to neighbours trees, survey and trees removed was quick, 1yr of testing, then approved for fixing which required front room & kitchen to be emptied , tiles, plaster etc to be removed, cracks filled and the put back together & decorated. 2 yrs & various abandoned schedules later still not…
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Holiday rental car - excess and repairs
I have a rental car issue in Portugal. I booked through Holiday Autos (broker) and Centauro rental cars and have a damage excess refund insurance from Axa. The excess is quite significant. The front right tyre was scuffed badly when I kerbed the car. I checked with a garage and the car is fine to drive but the tyre…
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Travel Insurance questions
Just looked on Staysure and Avanti to get a quote and they've changed the wording where it asks what medical info you need to declare during the past 2 years to.. have you had any physical or psychological conditions requiring treatment, consultations, medication in past 2 years. Not sure what they mean by physical. Anyone…
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Travel insurance 30 day trip limit when group splits
Hi, my family has an annual travel insurance policy with 30 day single trip limit. We left the UK together in July for Europe. I travelled back for work for two weeks and will be rejoining them and the whole group will be returning to the UK together at the end of Aug. They will have spent over 30 days away, I will have…
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How to answer insurance form question about wall cracks.
Hi all.When filling in a form for a quote or renewal for home insurance, the following question is asked."Are there any significant cracks in the outside walls of your home?"The following guidance is provided for the question."You only need to tell us about cracks that have affected the main structure of your walls. Please…
