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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…
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Private Medical Insurance (PMI) - does it give access to new/niche treatments?
Howdy. I understand that all coverage is policy-specific. However, does anyone have any sense/any evidence as to whether PMI does give access to new/niche treatments before they become widely available on the NHS? Many thanks in advance.
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House insurance during probate
I'm getting quotes for insurance on the house of a deceased relative while we apply for probate (likely to take 6 months apparently). The house is unoccupied but a neighbour visits 1-2 times a week and I stay in it approx. every 4-6 weeks. Other visits could be arranged. Some of the quotes I've been getting for insurance…
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Pet claim refused
Hi all I have policy with Covermypet, whilst on holiday my dog stayed with a friend/dog sitter, she managed to cut her leg whilst off lead there resulting in £1170 bill. insurance refusing to pay out as she was not in my care does this sound fair? apparently it’s in there terms and conditions. wondering if worth taking to…
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Changing Insurance company while existing claim is still going on
Hi - I am new to this
forum need some advice please? Our car insurance is due in few weeks’ times. The
renewal Quotation sent by existing company is very expensive. I am main driver, and
my wife is named driver. My wife had an incident, and this was reported to insurance
company. I received renewal quotation from the…
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Pre 2006 Skandia Life insurance flexible power of appointment trust
My late relative had a whole of life insurance policy called The Skandia Plan which was set up in 1992. The policy had a small investment element which was used by the insurance company to pay for their admin charges to keep premiums lower as she got older. It states in correspondence that *The main purpose of the policy…
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declaring car insurance cancellation
I have not had my own insurance for some time now, I have been a named driver on my husbands policy, but I am looking to get my own car again and filling in forms for insurance. One of the questions is have you ever had insurance cancelled, and I am not sure what to declare. About 12 years ago I received a letter from my…
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Physiotherapist cost
Hi there, Not sure if this is going to make sense, so apologies in advance. I have had a non fault car accident, the ins Co has paid out on car as it is a write off and because I have add on personal injury benefit they are reimbursing me for physiotherapy sessions. My question is, am I able to put the physiotherapy costs…
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Endowment Assurance policy
Hello I'm looking for some advice. My father in law sadly passed away and my husband found 4 very old endowment assurance policies with Royal London (2 taken out in 1974 and 2 taken out in 1989). When I checked with Royal London they haven't been claimed and we are in the process of applying for grant of probate. Does…
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What counts as a claim for the purposes of taking out a new Home Insurance policy?
Hi all, I've been ill for most of this month and in hospital so I'm a lot more slack than usual on these things. Anyway, I've been with PolicyExpert for the almost 5 years we've lived at this house. They were cheap and cheerful and did the job. However, this year we had a couple of interactions with them which didn't go…
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Hastings Premier insurance
Hi all , I have the above Ins and need to make claim on pest control(rats) in the roof. Will this affect NCD or cause increase next year. It's is part of the policy not an add on. Might be cheaper to get the council so you think ? Any help or experience with this. Thanks in advance
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Is it worth the ombudsman?
Hello I am looking for advice regarding a recent situation with EE insurance. My Daughters phone is on my account and it went wrong within a year. We had EE insurance and repair so took it to the shop who sent it off. I was contacted and they said it would be in excess of £500 to repair due to "evidence of water damage".…
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Policy Expert - any experience of claiming with them and what to expect
Good Evening, I moved into my property Jan2024 and my ceiling developed a crack a couple of weeks ago in my living room- previous owner installed an ensuite above this area. The ceiling has subsequently come down(lathe and plaster - very messy). There was a crashing sound and the ceiling came down with water then falling…
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Student year studying abroad
My daughter is lucky enough to be spending 2 of her 4 university years in Europe with the first in France imminent. Her uni have provided a travel insurance that covers emergencies and she will be entitled to some cover under CAF once there. She is covered for travel under our annual policy but obviously only for travel…
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Car Insurance - help, who am I with?
My husband is in hospital after suffering a very bad stroke so I am in a muddle. he always insures my car and pays for it. He shops around every year to find best price and I have no idea who I am insured with. I have been all through our paperwork and the last info I could find was 2023. I rang the company and it ended…
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Mortgage Repayment Protection Policy Closure
Hi. I've had a Mortgage Repayment Protection Policy for 20 years. I've been a good customer and never missed a payment. I've just been told that the insurer is going to close my policy because they want to 'simplify their insurance range'. Are they allowed to do this?
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Insurance claim VAT
A family member suffered severe structural and water damage to their home in the recent gales. The insurance company surveyors have been in and reported back on works required. The insurance company offer is for the full amount of the insurance company's preferred contractor except for £1200 VAT. This they have been told…
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I'm considering getting private health insurance but I'm not sure how it works or if it's worth it.
I know I could probably google all of these questions but I'd rather try and have a direct answer from the helpful folks here rather than reading through countless websites. I'm on the Bupa health insurance quote page and entered all my details and stuff and with the comprehensive level of cover I want I'm looking at a £55…
