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Break In with small damage and no theft: Call insurance?
Hi All, Happy New Year! Unfortunately, our house was broken into a few days ago. They didn't steal anything (looking for money or jewellery only I guess), left laptops lying around. However, they damaged the frame of one window where they broke in (probably levered open, glass intact). Not sure yet how much this will be,…
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Named driver insurance
Hi, I hope someone can advise. I had an accident in my own car and have claimed off my own policy. I am also a named driver on my sisters car. Does she need to inform her insurance company of my accident now? I know she will need to at renewal, but I am not sure if she needs to do this now.
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3rd party fault minor accident, By Miles + Medical Liscence -Is Hire Car Insured.
Evening mse's Not he best post though let's check.... 3rd party accepted minor accident, their insurers are repairing my paintwork which is great. My Insurance is ByMiles Tracked Milage and I'm Not Covered to drive other vehicles. 3rd Party Insurers are offering small hire Car for repair duration. I've no idea if I can…
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Travel insurance and medical bill
Evening all, Son is studying in the US and as a condition of Uni entry, he had to take out Medical Insurance - this was through the US Uni's insurance partner. We also took out backpacker insurance with a UK company to cover travel and other stuff. Son has recently had a medical condition which we claimed back through his…
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Home insurance and previous debt
My house insurance is up for renewal, my current insurer has increased my premium too much so I am shopping around. I used the comparison site and got a very good quote with an Insurance co But, in 2020 in the lockdown period I defaulted on a credit card. I was put on a repayment plan initially. They have since sold the…
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Would damage to house caused by a collapsed drain be covered under home insurance?
Hello everyone. We've recently had a structural engineer visit our property about some cracks that have appeared in some supporting walls. His opinion is that it's possibly down to a collapsed drain at the front of the house. As far as I understand, the drain itself is unlikely to be covered unless we could prove it had…
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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".…
