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NCD - partial year this year, and previous over two years old. What happens?
Hi all Seriously scratching my head on this one! And not getting consistent advice from insurers. So wondered if any of the knowledgeable folk here can put me right please.... I had insurance in my name which expired Dec.2022. 9 years NCD at the end. I took out a new policy with RAC in Oct.2024. All good with the 9 years…
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Life insurance trustees not following wishes
What can be done, if anything, if the trustees don’t distribute any pay out either to a named beneficiary or, in the case of no beneficiary, in line with wishes stated in a will if there is no separate letter of wishes with the trust deed?
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Domestic and General set up an auto-renew without my consent
hello,I took out an insurance plan with D&G April last year. it was a year plan. they contacted me telling me it's ending soon but not to worry, they have auto renewed it. I was not asked and I did not give them permission to do this. I find this quite frustrating as there is no opt out in my online account and there is no…
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Car insurance write off
What's the situation re. insuring a car that has previously been written off (cat N, cosmetic damage only)? My understanding is that it will need to have a new MOT, but what about getting insurance? When getting a quote, there is nowhere to declare a previous write off, or does the system just find this automatically from…
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Water Leak behind cabinets
I hope someone could help me. I am with Ageas and noticed slugs in the kitchen. I pulled the kick board off in the corner of the kitchen and noticed a big wet stain on the floor. There is a big grey waste pipe behind the cabinets in corner and it looks like there was signs of dribbles on it so I think it may be coming from…
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Renewal quote
Hey. My first post, how exciting! So, it’s that time of year for me, insurance renewal in just under 4 weeks time. So I called my insurance company nice and early for the first time in order to get my quote, pen and paper at the ready. Surprisingly, I was told that as my renewal quote hadn’t been generated yet, there was…
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Hit from behind, 3rd party insurer not settling claim
My son is a named driver on my policy. A car hit him from behind, the driver accepted liability at the scene and photos of the damage to both vehicles were taken and he took his name and address. We contacted my insurer who assured as as it was a hit from behind it was highly likely that the claim would be settled by his…
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Clothes damage insurance claim
Hi, My house was damage by water pipe burst while we were on holiday. The company assigned by the loss Adjusters came and took away all our wet clothes shoes, bedding etc. for cleaning almost 1000 items in total. They gave as estimate of £7k to clean to the Loss Adjuster and the items they have estimated to be worth £25k.…
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Car Insurance - estimated mileage - query
My wife's car insurance policy is with Churchill. The policy includes reference to an estimated mileage - a mileage which she chose when initially seeking a quote. That estimate has now been exceeded with another month of the term yet to run. I am concerned that should my wife need to make a claim before the end of the…
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Paid renewal annual car insurance - company demanding more!
I am a named driver on my husbands car insurance. On 20.01.25 I made a claim on my car insurance for what my insurance company states is policy holder at fault claim(which I disagree with) however, my husband renewed his car insurance on 20.03.25 still with me as a named driver on his vehicle, paying the annual fee in…
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Car iinsurance no claims bonus
Hi all Im currently with LV and they want to put up my car insurance up just over 10% (i always pay this in one go to save money). Ive shopped about and can get a btter deal. The only issue is my proof of no claims for LV stops at 9 years as this is the maximum they allow. Ive scoured the ncb document of proof and it lists…
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Life insurance with mental health issues.
Hello, I'm trying to find life insurance for myself, but I have mental health issues which I've been upfront with to the insurance companies and brokers, but it seems nobody will insure me. I have just purchased a house and I would like a small life insurance policy that will cover my mortgage should I pass away. Are there…
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Flat Buildings Insurance Query
We have just moved into a flat within a block of 4. We all own a percentage of the freehold and one of the residents deals with the buildings insurance as we manage the property ourselves. When contacting the broker to add our name to the policy and remove the previous owner of the flat, we have been informed that the…
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TRAVEL INSURANCE - PRE EXISTING CONDITIONS,STAYSURE.
My wife and I have travel insurance with Staysure for several years. We are both 70 yrs old and have declared pre-existing conditions from the day of joining Staysure. All are minor conditions, being managed, and Staysure have always accepted them. Recently, my wife had a blood test, and her haemoglobin was noted as being…
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Travel insurance advice for a family
Hi... I am searching for a travel insurance and I decided not to buy gadget cover, as most insurers request proof of purchase and other details that I don't have most of them. I don't have all the reciepts. Some gadgets are gifts as well. So I am buying the insurance mainly to cover flights cancellation, falling ill…
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Car Insurance - Swapping cars with partner
Hi All, Over time me and my wife have gradually swapped cars but we are not officially the main drivers - we are just down as additional drivers on each others policy. In reality now she is the main driver on my car and I am the main driver on her car (she refuses to drive it - too big!) Its time to renew the insurance on…
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Canceling home insurance company while having a live claim
At the time of the storm two months ago, strong winds took off the pvc facia and drain pipe from my roof dorma, the insurance company have taken this long, and with a shocking lack of communication now denied the claim saying it was wear and tear not 87mph winds. I pay my premiums monthly and am currently disputing their…
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Life Assurance & DB Pension
Hello All, I recently lost my wife, and I'm a little confused about what I'm entitled to from her work. She had a DB pension, from which I believe I will get a spouse's pension. It also says that it will pay a "death in service lump sum" of 3x salary. She also had life assurance through the company, which also said it…
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LANDLORDS BUILDING INSURANCE - DELIBERATE OMISSIONS
Hello, I am the leaseholder of a flat, in a large converted house - there are 18 flats in total. My landlord is responsible for buildings insurance. Looking through the policy, I have noticed several mistakes. 1. incorrect address details for the property insured. 2. My landlord is a Company. On the policy it refers to any…
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AA Car insurance cancelled - due to missing their NCD proof request.
On 11th February I started a policy with AA Insurance paid in full in advance. Yesterday I received in the post a letter dated 4th March telling me that unless I sent them my NCD proof (such as my renewal notice from my previous insurer) by 11th March my policy would be cancelled on this date - ie.11 days ago! My reaction…
