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Cursed Car Insurance Birth Dates (DOBs)
Hi, I was shopping around for car insurance today. Tried a few different comparison websites and was playing with the details to get the quote down. Today I tried changing the date of birth (DOB), by just 2 days. Month and year correct. Just to try and understand 'how it works'. Given I've been driving over 30 years (claim…
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Who has the best legal cover with house insurance?
My house insurance is due for renewal and I'm looking for advise on who has the best legal cover for a potential (likely) future problem. My attatched neighbour has planning permission for an extension. He's also a sort of builder and has a long history of laws are for other people and he can do what he likes. He will be…
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Dentures Insurance Cover
I've heard that some insurance companies cover dentures in their contents insurance? Is this true and does anyone know of such companies? I had to pay £2,000 for my dentures and thought I had lost them. Fortunately they turned up. Also, I'd like cover in case they break.
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Car Insurance Claim
My named driver scuffed the paintwork on a parked car 24/10/2024. The claim has not been settled and my insurance company are being very evasive. My insurance has come up for renewal, (extortionate price). Is there a time scale that legally this claims needs to be settled by?
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Group Income Protection Insurance
A friend of mine had a stroke and made a a claim on their income protection insurance scheme (Aviva) which was accepted and due to pay 60% of income. One of the conditions is that it ends if he returns to work in the same capacity and duties. He returned to work but after six months couldn’t manage. if he gets signed off…
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Travel insurance
My 80 year old neighbour has paid £700 for travel insurance in October 2024 for a trip to the Canaries in March 2025. He has a history in the 80s of open heart surgery and has a defibrilator/pace maker fitted. There have been no heart issues since until he was diagnosed with Angina two weeks ago. The travel insurance…
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No Claims Bonus Queries / Threaten to cancel insurance
So I have been driving a car for years and have achieved 9 years + no claims bonus from driving my car.Two years ago I passed my motorbike test and bought two (big bikes) motorbikes. I insured both of the bikes on a 'multi-bike' insurance. This year when the bikes insurance were up for renewal I got some quotes and found…
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1 NCB 2 vehicles
Has anyone had any luck challenging the car insurance companies unreasonable 'standard' that your NCB cannot be applied to a second vehicle? After all, I have paid for and earned the no claims bonus over many years and I can't drive two vehicles at the same time. Given I can transfer the NCB to a different vehicle…
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Critical Illness Multiple Policies
Hi, I have two critical illness policies, one I took out years ago privately and one which I have through my employer. I am in the process of making a claim and would like to know why I am being asked on the claim form if I have similar insurance with another insurer and for the policy details. Why is this even relevant?…
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Budget Car isurance & Avon DD
Can anyone advise me? I had an isurance policy 2011 with Budget insurance, I have just discovered in my bank statement a DD for personal life insurance at £4 per month .... I contacted Avon and asked why this did not cease at the end of 2012, they explained that I had the oppertunity to cease the policy at any time.They…
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Travel Insurance help please
Hi Guys, I'm really hoping someone can help please. I have booked to go to the USA next year and I know we have to ASAB but I don't know whether I should be buying an annual policy for the next 2 years or whether I am covered for the one trip that we are making? Sorry if this sounds silly.
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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…
