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Home insurance - relevant?
My renewal is up to £300+ pa I just can't seem to get any value I understand it's a any rain aspect but is it essential ? What are people using it for when the worst scenario happens and is it still worth it?
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Home insurance cancelled due to undeclared claim which was rejected
Made a claim on house insurance in early Dec-2024. Was rejected by end of Dec-2024. Got a new home insurance policy in Jan-2025 where I did not declare this as I did not realise that even rejected claims had to be declared. Got a letter from new insurance company when they found out, and hence I told them in early Mar-2025…
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Cancer & Critical Illness
Have just been diagnosed with cancer and I do have critical illness cover through work which resets every year. I was not intending to claim as I wish to work through treatment (wfh) and if I did need to take time off, work will pay up to 6 months full pay. Another forum suggested that I should notify them in anycase, as…
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Driving as a ND for over 25 yrs. Getting own insurance
I've been a ND on my dad's insurance since I started driving (1999). In all that time we have never claimed so his NCD is protected. I'm starting to wonder given his age (76) if I should start my own insurance. Will it be like starting from scratch or will anyone take into account my driving history with no claims etc. I…
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Motor Insurance - Declare penalty points
Hi all, My insurance is due for renewal next month so I've had a search but..... In March 2020 or 2021 I received and SP30. I've looked on the DVLA site as to how many points I have and currently it's a clean licence. If I declare nothing, as per the DVLA site, but then am found to be wrong what would happen? Thanks all
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Travel insurance help
Hi all My wife and I both had travel insurance with the Barclays Travel Pack. Last year my wife developed epilepsy and Barclays wouldn't cover her for this condition, so we bought her a separate policy declaring this. We're going away in a couple of weeks, so just wanted to confirm with Barclays that I'm fully covered. It…
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Canada Life policies transfer to Countrywide - !!NO!!
On 23rd February 2025 Canada Life protection policies sold before 1st January 2023 will be transferred to a company called Countrywide Assured plc, a company that doesn’t sell any policies but buys them… ”...we don’t sell products to you or new customers, rather we take over existing policies from other companies to manage…
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Keeping old car but should I transfer NCD to new car's insurance when I buy it?
Hi, I have a 2008 Mitsubishi Colt which has been fantastically reliable for the past 14 years but is starting to show signs of age, although passed MOT without problem. I want to buy a more recent hybrid but as I am attached to the Colt and will not get much in exchange it makes sense to keep it as a first car for my son…
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HomeProtect cashbacks never materialise
Hi, I was told when I renewed my policy Id get cashback, paid into my bank account. It never arrived. 3 times over Live Chat theyve promised it will be in my account with 24 hours. Its never arrived. Its been well over the 90 days since I took out the renewal. I suspect some of these cashbacks 'go missing' and its only the…
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Car Insurance
Well, after years of using the same company I've decided to change my car insurance, it was rock steady for years, but last year took a whopping increase and its doing it again. Whatever happened to loyalty, I know prices have gone up, but checking on go compare i can save 150 quid by changing to any one of a few dozen…
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hit by a can driver later found out by my insurance he wasn't insured - need help and advice
In October 2024, 2 weeks in to Uber driving I was hit a van driver from the back. I was stationary at the zebra crossing and waiting for pedestrian to cross a van driver hit me from behind. we exchange the details since it was Saturday I informed the insurance company and gave all the details. The insurance repaired my car…
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Accident Abroad - Insurance + UK GHIC
Hello, I wondered if anyone could offer any advice on what to do / where to go for an injury I had while abroad in preparation to speaking with my insurance tomorrow. Events: An event happened where I came off an e-scooter whilst in Spain - this caused me to have an injury to my face where an ambulance was called and I was…
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Annual mileage
Has anyone been caught out with stated annual mileage? Does anyone know how much your quote is adjusted by adding/subtracting mileage? Just wondering as next job I consider will involve more driving than current 7k miles
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AXA customer service
After an MSE frecommendation for Cover for You I purchased what turned out to be Axa travel insurance. After two years with a policy I made a first and modest claim (they initially denied I had a policy) in early December '24 6 weeks later they finally settled. Then silence. I have given them my bank details for payment…
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25 year old demutualisation cheque
Dunno where else to put this but as it's Scottish widows, I'll start here! I've just found an uncashed 25 year old demutualisation cheque from Scottish Widows. Now I know cheques are time limited and I won't be able to cash this one, but given it's Lloyds Banking Group, it's not like they don't still exist / the money…
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New Car for wife in my name
Hi I am buying a new car for my wife and its registered in my name. She has several months left to run on her currently policy for her car that is being traded in. What is the simplest way to sort insurance so that the car is fully insured, and no loss of No Claims bonuses. We are both named drivers on each others cars. My…
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Accidental Damage Cooker Cover Cheaper For Electric or Gas Cookers?
Hi, Is Accidental Damage Cooker Cover Cheaper For Electric or Gas Cookers? And if a price difference for one, why? Thanks in advance
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Home insurance claim - storm damage (roof) - Poor communication, no support and now refusing to pay
A few
months ago, we found our ceiling, walls, floor in our bedrooms, drenched in
water and our child’s box room ceiling had partly collapsed and water all over
his room. Our
bedroom is in the loft extension on 3rd floor which has a flat roof. Our childs
room is a box room in the 2nd floor.We had
buckets and tarpins every…
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Car Insurance + NCB
Can anyone help with NCB, I'm really confused. Took out a policy today to start in a few weeks. In March 2022 my policy ended with Aviva and I had 12 years protected NCB. I then went with Budget Insurance and they said I had 9 years NCB at the end of their policy. I then went with One Call Insurance and they also had 9…
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Comparison sites
Hi all so my home insurance quote with my current provider changed from £600 odd last year to around £1100 ("cost of building materials", blah blah). Hence I, as Martin quite rightly recommends, used the comparison site facility on the MSE website to see what was available. I had 5 claims in the last 5 years (although one…
