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Halifax Home Insurance renewal - hack
I'm not a halifax bank customer, I only have their Home Insurance. Last year the cost was £435, this year the renewal is £483 (a hike of >10%). I phoned them up and was told "due to FCA regulations exististing cutomers could not be offered any discounts". I believe this is a misinterpetation of the rules - I believe all…
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NCB Advise / help From Hasting to Vavista
Hi, When i left vavista to go to Hastings in january 2024 i had 14 years NCB as stated on their insurance expiry letter. Unfortunately due to a accident which was deemed my fault (car at fault left scene) in Nov 24 my renewewal this january from Hastings is rididculously high & my NCB is now 4 years (I assume they have…
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Relatives life insurance
Hi. My mum recently passed away. She told me and my brothers of a life insurance policy. We can’t find any documentation of this either physically or digitally. Is there a way to find her policy. Many thanks Damian
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Car Insurance Policy showing accidents older than stated 3 years
Hi everyone, I was looking at my car insurance policy this morning and noticed that although their question asks "Have you had any claims or accidents in the last 3 years, involving any vehicle?" there are 2 accidents on there from 2020 and 2021, obviously older than the 3 years! I do have one which happened in July 2024…
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Private medical insurance with Vitality - joint or separate??
I can't decide which way to go with this. Not much difference in premiums but the points required for a joint policy to earn rewards is significantly lower than two individuals would need to earn in separate policies. But then it's statistically more likely that one of you won't manage the activity thresholds every month.…
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Autism Diagnosis Critical Illness Cover
Good Afternoon All, I’ve just discovered this by chance, and had a little search online and on this forum but couldn’t locate much information. So thought I’d reach out here… I’ve just been updating my pension and life cover information after my latest statements arrived and got onto reading the policy booklet for our life…
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Subsidence Insurance Claim
Hello everyone, Looking for advice and help relating to a long running subsidence insurance claim. Basically, I put in a subsidence claim over 5 years ago on my property. There is significant damage in pretty much every room in the house - cracks on the inner and outer brickwork and walls, joints coming away from each…
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Hastings Car Insurance Refund
All, Just recieved an email from Hastings telling me they overcharged me for car insurance and am due a refund. The refund for the difference between what I should have been charged and what I was charged will be processed in ~5 days and will be paid to the account the original payment was made from. All good so far,…
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Travel Insurance - Do I have a Claim?
I booked a weekend break to Germany a couple of weeks before Christmas for the family to see the Christmas markets. We hadn't used the Eurostar before so thought we'd try that. I used my work perks to get a few percent off the cost of the tickets (I pay a set amount, and get that plus 3% in vouchers). Nearer the time we…
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Claim against contractor workmanship
I had a major flood whilst roofing was being undertaken on my property. The protection provided was clearly inadequate and the roofer says he was 'caught out'. My insurance does not cover this. The contractors insurance company is being unhelpful. Three months after the event I have seen the loss adjuster and provided them…
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No Fault out of Pocket Expenses that Insurance company say they cannot claim for from Third Party.
My car was rear ended by a Third Party, and its a No Fault claim. I have had to pay £80 to retain my Licence Plate, as the car is written off. My Insurance company say they cannot claim for the out of pocket expense I have incurred from the Third Party's Insurer. Is there any way I can claim any out of pocket expenses I've…
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Break In with small damage and no theft: Call insurance?
Hi All, Happy New Year! Unfortunately, our house was broken into a few days ago. They didn't steal anything (looking for money or jewellery only I guess), left laptops lying around. However, they damaged the frame of one window where they broke in (probably levered open, glass intact). Not sure yet how much this will be,…
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Named driver insurance
Hi, I hope someone can advise. I had an accident in my own car and have claimed off my own policy. I am also a named driver on my sisters car. Does she need to inform her insurance company of my accident now? I know she will need to at renewal, but I am not sure if she needs to do this now.
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3rd party fault minor accident, By Miles + Medical Liscence -Is Hire Car Insured.
Evening mse's Not he best post though let's check.... 3rd party accepted minor accident, their insurers are repairing my paintwork which is great. My Insurance is ByMiles Tracked Milage and I'm Not Covered to drive other vehicles. 3rd Party Insurers are offering small hire Car for repair duration. I've no idea if I can…
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Travel insurance and medical bill
Evening all, Son is studying in the US and as a condition of Uni entry, he had to take out Medical Insurance - this was through the US Uni's insurance partner. We also took out backpacker insurance with a UK company to cover travel and other stuff. Son has recently had a medical condition which we claimed back through his…
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Home insurance and previous debt
My house insurance is up for renewal, my current insurer has increased my premium too much so I am shopping around. I used the comparison site and got a very good quote with an Insurance co But, in 2020 in the lockdown period I defaulted on a credit card. I was put on a repayment plan initially. They have since sold the…
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Would damage to house caused by a collapsed drain be covered under home insurance?
Hello everyone. We've recently had a structural engineer visit our property about some cracks that have appeared in some supporting walls. His opinion is that it's possibly down to a collapsed drain at the front of the house. As far as I understand, the drain itself is unlikely to be covered unless we could prove it had…
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Fire in engine total loss claim
Hi there, I am worried about a situation I am in. I am visiting Spain and have fully comp like for like car insurance. Long story short, a car I bought two months ago, and had an engine fire when we first got here and is written off. The car has the swirl flaps blanked off, which is a minor engine modification. I don't…
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Royal Sun Alliance Finding a previous house insurance claim from 2021
First Post – Hello! 👋 I just realized I made a claim back in 2021 but can’t find any details about it. All I know is that it was with Royal Sun Alliance, which has since been taken over by Admiral. After numerous long phone calls, I’m still no closer to getting any information. The issue is that my current insurer is…
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Conservatory subsidence
Hello MS Experts! I am after some advice! Sorry its a bit long! A few years ago, I noticed cracks both indoors and outdoors where my conservatory met the rear of my house. Conservatory is solid brick walls at both ends, and dwarf wall to the rear, with a polycarbonate roof. Its quite large at 5m x 3m and is open plan with…
