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Motor insurance - the cost of commuting use post-pandemic
I currently have commuting use on my car insurance policy and assume this impacts my premium (although it isn't visible in my premium breakdown). Pre-pandemic this made sense, I commuted approx. 100 miles a day, 5 days a week. Post-pandemic, I now work from home 4 or 5 days a week so my commute has been reduced by at least…
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Claims and Underwriting Exchange (CUE) database. Can they change a notification?
This is a case regarding a car insurance new policy application. Not mentioning any names or makes to avoid litigation for misrepresentation, I am in the final stage of purchasing my daughter's car at the trade price she was offered against a new model. She took exceptional care of the car for 3 years and kept it in…
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About to pay off morgage with life assurance policy
Hi All, I've been over paying my mortgage, to the point I have 1 payment left (Will be mortgage free next month). Now, I have a phoenix life, decreasing assurance policy, which apparently is still valid until 12/1/26 What are my options/peoples advice? Do I keep this going? can I change this to a different policy? I'm 47 &…
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Home insurance (non-claim) scandal!
I recently had a renewal notification from Hastings Direct more than doubling my premium and stating in my email that 'During the past year a claim was made on your policy, which may have affected your renewal price.' This was not the case and when I rang them up to complain I was told that because I had telephoned them…
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'Life of Another' insurance versus putting life insurance into trust
Hello, I have just taken out life insurance and was considering putting it into trust so that it is paid out 'immediately' on death - having heard of probate delays etc. My consideration is that the full sum insured is not needed if my wife predeceases me so if that happens I would like to cancel that policy and take…
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Hill Samuel Life Assurance
Hi I am trying to find out who own Hill Samuel Life Assurance. please could anyone help with this Thank you RP1602
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Pet insurance - do you always need a preauthorisation for large costs?
I have lifetime pet insurance. My 1 year old dog is under investigation for joint problems and likely needs surgery. The total cost will be in the thousands (£8-10k) but the vets do not know exactly what type of surgery is required yet. So far I have spent £1k on x rays and vet appointments. Her symptoms started after our…
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Insurance applications - disclosure requirements
Hi all, Hoping someone who knows more about insurance can provide some guidance. Last year I had made an application for critical illness cover when securing FTB mortgage. This was done through my mortgage broker. L&G offered standard terms about a month ahead of qualified acceptance (Scottish sale). Once I had received QA…
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Car insurance/claim question
Hi all, Recently my vehicle was involved in an accident. It was parked outside my house and a driver tried to get out of a space but ended up hitting several other parked cars, one of these cars then shunted a parked van which went into the back of my vehicle. The question is, who should I claim against? I feel bad…
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LMG Insurance Claim
Please can I get some advise. Last year I had my engagement ring stolen from electricians in my home, I put through a claim with my insurance company and provided them with photos and the insurance valuation certificate for £4.5k - my insurance company have refereed this to LMG and they have offered me three options, 1.…
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Cancellation of breakdown policy prior to commencement
i took out a car breakdown policy online with 2gether insurance on 17th May, in anticipation of my current policy running out on 31st of May i always go through topcashback but the visit to the site is not showing up topcashback are offering 50% so this is a big discount and their investigations into the missing cashback…
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Insurance renewal accept then claim or vice versa ?
Our home insurance is due to renew June 21st My son has broken Lap top today do I accept renewal then claim will it stay same price or go up or do I wait until new year of cover started ? Thankyou
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Ongoing health claim and renewal
Hi - hope this is the right place to ask.. If you have health insurance coverage through your employer, and you begin a claim that gets approved, then you leave your employment so coverage stops but you still need to continue the same claim and further treatment, does the health company continue to support the existing…
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Windscreen cracked
Our windscreen took a hit from a pebble dropped by a gravel lorry whilst on the way back from Sunny Hunny. We do have windscreen cover on our fully comp insurance policy and they do quote that a claim will not alter our no claims bonus, but what about next years premium? This would be the second windscreen claim in 3 years…
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Travel Insurance for 16yr old travelling alone
An anyone point me in the right direction for travel insurance for a 16yr old travelling from the UK to the Canary Islands on her own. On arrival she will be met by and staying with her grandparents so it’s literally just the flight when she is alone. So far everyone I’ve contacted say she must be accompanied by someone…
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More Than > Swinton Automatic Renewal
It's Friday evening and the phones and live chat are down, I just received an e-mail at 9.30 at night stating my car insurance has been automatically switched from More Than to Swinton at an increase of over 2 grand a year, are they for real? I can't contact anyone to cancel it and the renewal date is in 2 days. I knew…
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Gap insurance on a used EV?
So I want an EV of some description, in part due to the cheap electricity, and cheap cost of motoring even after insurance costs Though there is tbf "rapid depreciation" and you get some very well priced 2020 model cars with decent range. I'd buy older if the range was the same as the ones in 2020 for instance Would it…
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Renewal cheaper than comparison
Since the FCA changed the rules on renewal pricing, it has always been cheaper to accept my renewal price, for house and car insurance, than go to a comparison site - even for the exact same insurance, from the exact same provider. At the same time, insurance costs have increased considerably. My take is that the FCA…
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Nationwide Home Insurance 43% price hike
Crikey - what's happened to home insurance?I've just received my insurance renewal notice from Nationwide: * 11 monthly payments of £47.91 followed by a final payment of £47.91. That’s a total of £574.92 a year. This includes your no claims discount * Last year you paid £402.10 Last year's price takes into account any…
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How to reduce car insurance premium?
My car insurance
is due for renewal end of next month and my annual premium has jumped ~£250,
going from around £550 to just shy of £900 with the cheapest provider. I have 7 years
NCB, no driving offences, annual mileage dropped from 10k to 7k a year, a £250 excess,
and tried playing with the job titles. I also have my…