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Home insurance renewal
Hi, I am currently pursuing a claim on my home insurance for subsidence to my property. The claim was raised in September 2022 and is still in progress. In 2023 my home insurance premium jumped to £490 from a previous price of £266. I have now received a new renewal quote for £548. I would like to shop around and try and…
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Excessive profit from deducting FY premium from Pet Insurance Claim
Having had to sadly have our dog PTS we submitted a claim to our insurer and were shocked to find that less that 25% of the value of the claim was paid out. Most of this was caps and items not covered, but almost £1000 was the deduction of 10 remaining months of premium being deducted. The official response to my complaint…
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Car breakdown recovery payment and law
I had asked a recovery company to take my car to the local dealership. They took my card details over the phone for an initial £50 deposit. They arrived 2 hours later (they said within the hour) to take the car to the dealership. I contacted the company as was not happy with how long it was taking. On the way they to the…
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Is Travel insurance needed ?
I have just been renewing my travel insurance , I read in one of Martin Lewis forums that I should take with me the NHS card EHIC , this has got me thinking that if I'm ill in Spain and I use the Spanish states health service using that card, the service is free, as it is for the Spanish people So why am I Paying £150 to…
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Protect your bubble “intentional damage” clause
Hi. Some relatives young kids (6 & 3) recently got hold of my son’s cheap headphones and broke them. We’re thinking of replacing with a nice pair for Xmas and getting insurance from protect your bubble. Obviously we’d also hide them when relatives around, but I notice the insurance doesn’t cover you “if you intentionally…
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Interest on claim amount successfully awarded after a RTA
Hello - my claim against a third party who went into the side of my car two-and-a-half years ago finished up in court a few weeks ago and the judge decided that the TP was 100% to blame. Great result for my persistence - I lost count of the number of times I was urged by (1) my insurance company, (2) the accident…
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Admiral car insurance renewal date too late?
Most car insurance companies let you renew your police within 30(ish) days of your policy ending. Most car insurance companies (including Admiral), let new customers get quotes and purchase new policies within 30 days of start date. But admiral is different for renewal, they’ll only let you see your renewal within 23 days…
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Car Insurance - Challenging Insurer on Policy Value Reduction
Hi, I am looking for some help and advice. We took out a policy in late July 2024 that had myself and my 18 year old son on it, total value was £1,800 per annum. On the 2nd of September we received a letter dated August 26th saying the policy value had reduced by £1005 so almost £800 per year premium. The direct debit…
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Trace & Access Cover Excess
Whats your excess on trace and access? no one at RBS seems to know. They only know escape of water excess?
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Options for car ins cost reduction when out of the country
My teen has a pay monthly telemetric (black box) named driver policy on my car through Marmalade since April 24. It allows her to build up her own NCD and use my car for >50% of the trips. She goes travelling Jan-May 25 so asked about freezing the policy and they said no option- cancel and lose getting her first years no…
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House Insurance Policy - Claims
Why is it that if you make an enquiry with an insurance company concerning a potential claim that may or may not be covered by your house insurance and if the insurance company decide that it is not covered by your house insurance and therefore no payment is made by the insurance company, your insurance will record as a…
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multiple property same deed insurance
Afternoon, So we have 50 acres Not a farm an old military site, with a family home and two holiday flats on it. Until this year we were able to approach the market via brokers and get some fairly reasonable quotes to cover both the business and the house all under the same policy. Buildings insurance on both and contents…
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Unoccupied house insurance
I've just built a house and it is currently being marketed to rent, but I need insurance cover until it is occupied by tenants. I've tried Insure Me but they declined as it is owned in a company name. Anyone else out there doing this type of insurance?
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Insurance Insiders: Presumably Insurance Companies can see what is on the CUE itself?
I am at Adjudication stage at the FOS. Several changes have to be made to the CUE entries. And the Insurance Company has now agreed to make those changes. My problem is.... it take a month for me to do a new Data Request to get an extract of the CUE, to find out what the CUE is actually showing. Adjudicator is saying the…
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Cost of Car Insurance Getting Ridiculous
I've just renewed my car insurance with Axa. I am amazed at the increase in costs. I hear abour insurance cost increases, and am prepared or preconditioned to accept that my car insurance will increase year on year, but the scale of the increase for the last two years is breathtaking. It's gone from £439 to £628 to £816 in…
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Are travel insurance claim firms deliberately obstructive?
After decades of paying for travel insurance, I have had to make a claim for a short UK trip that got abandoned when my wife was hospitalised unexpectedly on our day of departure. Our insurer (Virgin Money), like, it appears, many (most?) others uses a third party claims company CSA. The experience has not been a good one.…
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New driver insurance - Hastings
Hi, My son just passed his driving test and I was getting quotes for car insurance and Hastings Direct (with a black box) came up cheapest. Hastings look ok according to trust pilot and defacto. When filling in the details it asked how long you have had a license, which seeing as he only passed his test today I put 0…
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Travel Insurance to go to a holiday home in Spain. Any recommendations?
Hello, I am looking for any recommendations for Travel Insurance so that I can go to our holiday home in Spain. Requirements:2 x 60 day trips per year.I would prefer an annual policy rather than 2 single policies. For my wife and myself only. I'm coming up to 70 in 18 months.Main requrement is health cover and…
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Add-on End Supplier Failure Travel Insurance?
Hi everyone, Does anyone know of any add-on or standalone End Supplier Failure insurance that we could take out in addition to our annual travel insurance? We have booked an independent trip to India via an Indian travel company, who have arranged a guide and driver and all the accommodation. We had to pay the deposit by…
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Drain displacement - worth claiming
After getting a blockage cleared to main waste drain from kitchen outside house (still on my property) engineers found a displaced drain - so one 3 meter section of drain has sunk and doesn't line up properly and is probably letting some wastewater escape into ground/foundations. I have the engineers report and video files…
