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Does an cancelled car insurance 'holding claim' need to be disclosed ?
Hi all- Long story short, last February I was driving down a road with double-parked cars and my wife said that I had clipped the wing mirror of a parked car. There was a noise but it may have been me driving over something. So, even though I was 99.9% sure I hadn't hit a car, as it was on her side of the car, I stopped…
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specialised building and contents or not?
As we all know prices have been rising. I have renewnal via a broker I use. Its £320 that includes admin fee and legal cover. My reason for a broker is that I have tree that is approx 5m's from the house. And it seems very few companies seem to cover you for that. The question is do I need specialised cover will any old…
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Personal Injury Advice Please
I was hit by a car travelling at high speed while walking across a road as a pedestrian. This was early October. Was taken to a major trauma hospital with many broken bones, open fractures, dislocated joints and lots of bruising. Had surgery including metal plates and screws to repair some of the injuries but it is unclear…
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Any insurers count car sharing membership toward No Claims Discount?
Hello, I have have not owned a car for 20 years but have been driving regularly since 2012 with car sharing company Zipcar, and before that with its predecessor Street Car. Does anyone know of any car insurance companies that would count that clean driving history toward NCD? I just purchased a car and was shocked by the…
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Cashback on over 50s life policy? - do they pay it?
I cannot get Term life insurance at present so, for now, want an over 50s guaranteed insurance. Having found a good offer from SunLife, with a gift card of £140, I now want to try and get cashback too. On Topcashback, the broker, REASSURED offer £120 cashback on an £18pm premium. It doesn't specify that it has to be any…
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Is my freeholder being reasonable?
Hi - I live in the first floor flat of a Victorian Conversion. My freeholder owns the downstairs flat and rents it out. I've looked at the buildings insurance schedule and I've been charged 50% - but in the schedule there's insurance for things like "commercial loss of rent" and "business interruption". But that's surely…
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Disabling auto renew feature 'locks in' higher premium
Auto renewal might be convenient for some but it might put you at a serious disadvantage depending on how and when you try to extricate yourself from it. I got notified of expiry of my existing policy 4 weeks out. But when I tried to use my on-line account to disable auto renewal, the option was no longer accessible. The…
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Same company - online quote significantly cheaper than renewal. Can I take it?
As the title says. It's HomeProtect, renewal due tomorrow. Can I take the online quote and cancel the renewal??? We're talking between £300 and £600 cheaper than the renewal price here - not £50 here or there. As much as anything, it's been really easy to tweak my quote using their online system (change items covered,…
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Travel insurance claim
I submitted a travel insurance claim almost 4 weeks ago and have absolutely no communication at all other that the generic, thanks for your claim and that I should hear in 14 days. My policy is with AllClear and the claim has gone to Reactive Claims. Over chat last week AllClear told me they would escalate it and to get…
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Home insurance Notification Claim
Having just gone out for quote on my home insurance I have been surprised to learn there is a claim on the database from June '23. Having not made any claims on my home insurance ever, I had not factored this in when obtaining insurance quotes. After a bit more digging with Hastings and AXA I have found out that a…
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Indemnity Insurance
Hello, We are looking to purchase a house which has had to have an indemnity insurance put in place by the sellers due to non-regulated building regs and the partial covering of a mains sewerage pipe. My concern is that if we want to do any future works to the house, it will obviously invalidate the insurance if revealed…
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Car insurance query
Last January my car was parked I a supermarket car park. A van damaged it about £1200 worth of repair. There was CCTV and an independent witness who spoke to both insurers and police. The guilty party did not accept responsibility so there was a court case in which he was found guilty. It is now time for me to renew my…
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Warranty on car repair
I have had my car repaired by the insurance approved repairer following an accident. However, the guarantee for the repair work is only valid if I remain with my current insurer. Can they do that? I wasn't made aware of that as the insurance company arranged everything but basically if I get any issues related to the…
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Ao.care
Placed an order for a washing machine with ao last evening. This morning before 9 am I received a phone call with the caller saying he was from ao and was checking the details of my order. We went through the basics and then he surprised me by asking what was wrong with our old machine. After explaining my wife's…
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Home Contents & Building cover when there are 3 owners
Hi can anyone advise me on the following:There are 3 of us living in a house with a small mortgage with Santander - all equal share joint tenants. Santander have said that all three of us should be named on the building insurance document.We have received an increase from £589 to £739 with our current insurers (who are…
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Travel insurance claim in and taking out new policy?
We were due to go to the US on the 14th September. On the evening of the 13th my husband was admitted to hospital and I cancelled the trip. I submitted a claim to Reactive Claims (Insurance with AllClear) on the14th October and have had no correspondence at all. I phoned yesterday to be told it had been passed to an…
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Laptop Top insurance
I recently bought a used laptop from a third-party marketplace. I took out their insurance policy. The laptop broke after 5 weeks, I notified the marketplace who have passed the matter onto the insurance company evy and now they're both passing the buck back-and-forth between each other refusing to cover the repairs or…
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Are my contractors committing fraud in my name?
Hi, I've got a long-running home insurance claim going after an escape of water in my kitchen. After a couple of months of my insurance company being difficult, I hired a specialist company to manage my claim and do the restoration work. We are now parting ways with the company after some of the building work went wrong,…
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Subsidence/not Subsidence
We put a claim in to check for subsidence on our porch, the porch was an addition to original building. Someone came out did a bit of digging and said the work was poor quality and the foundations should have been deeper. No repairs were needed, but it is down as a subsidence claim on the renewal for £3679. This is making…
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Help please...Home insurance massively higher than neighbours! (in flat roof and flood risk area)
Hi, has anyone experience of this or know any reason why this may be the case? I have an end of terrace house built in 2020. I am one of 6 identical houses - they are built in 2 blocks of 3 (so 2 mid terrace and 4 end terrace) I'm an end terrace. They are 3 storey townhouses with flat roofs. We are also in a flood risk…
