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Home Insurance - rebuild costs over a million - finding it hard to get decent quotes
Our home's current market value is £450k, the home report from three years ago estimates the rebuild cost at £1.3 million. The calculator on the ABI (Association of British Insurers) website seems to confirm that figure is about right. The issue I’m facing is that it’s incredibly difficult to get home insurance at a…
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Anyone with experience of the Virgin Money Club M account travel insurance with existing conditions?
I've recently needed to have a stent fitted for stable Angina and the cheapest worldwide travel insurance I've found so far has been to pay the additional on our Nationwide FlexPlus account (via Aviva). I'd been considering moving the account to the Virgin Club M account as it's cheaper than Nationwide and provides similar…
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Why has a claim been recorded when I decided not to go ahead?
I have personal possessions insurance also taken out with my house insurance company. I have never claimed on it. Lost my glasses (varifocals) a few weeks ago when out. When I called the insurance company they pointed out I would need to pay an excess of £200. (Yes I know, silly me for not remembering this!). I decided,…
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Home insurance increase because retired
I have today called insurance company to renew home insurance, 2nd year of 3 year fixed, my quote was £912.77 paid on dd, asked if anything changed and I said yes now retired quote changed to £1459. I asked why and was told didn’t know! I can’t believe the difference. I was a part time bookkeeper working from home.
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special events insurance for individuals
Hello Please could someone advise which insurance company would provide cover for a special celebratory event that my wife and I intend to host next year? We need insurance cover for hire costs of the venue, the catering costs, and any associated costs in the event of cancellation for any reason on the part of the caterers…
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Mains water supply pipe beyond property boundary insurance
Hi, I've read several old threads and can't find one specific to my needs. I live in rural Wales and the majority of my mains water supply pipe runs below a neighbour's field so it's not covered by standard home insurance. Since 1993 I've been insuring it with Homeserve. Initially the premium was very cheap because it…
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challenging a hospital bill when on holiday as a non-resident
Went on recent holiday to New York with children Daughter got strep / throat infection had to go to hospital Was there 3 hours, she was examined / blood test and given a presciption for antibotics which we paid for Bill was $600 which - to me - seems excessive Unsure insurance will pay - Made a mistake on application form…
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Caravan Insurance for a van stored in France
Hi, we normally insure with Towergate for our caravan that is stored in France on the site we stay at However, the underwriter has changed to Aviva and they say we have to tow it back to the UK for 8 weeks. Loads of UK based people do this in France - any help please.
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Travel Insurance dilemma
I currently have an Annual Multi-trip policy which ends 31st October. The Insurance company I am currently with (and have been for a number of years) is becoming very expensive so I have been getting quotes from other companies. I would like to change to another company on 1st November for continuity, but I have a dilemma…
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Confused.com I cannot use my free Sainsbury's eGift card
I have contacted Confused.com but apparently they take 5 to 7 days to reply. Has anyone else had a problem? There I was in Sainsbury's must admit only went there because Confused.com confirmed my gift had been verified. Went to use the card, error code advised to try refreshing the screen, did, even went out side and…
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Car insurance - 3rd party fire & theft, hire car query
My car (though in excellent nick) is worth too little to get fully comp insurance so I've gone for 3rd party fire & theft. But I'd like the option of a hire car if mine is in a collision and needs repair. The conditions for this extra say there is an additional excess of £200 if using a non-approved repairer. I find it…
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Travel Insurance - As Soon As You Book
A couple of weeks back, my wife and I booked our holiday to Spain in October. Straight away following doing the booking, we went to compare and purchased a single trip travel policy from Admiral. Reading the information received, today I noticed that the policy details read: Start of trip <date 1> End of trip <date 2>…
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Travel Insurance for an abroad hip replacement - URGENT
Dear Martin, I desperately need your help / advice My mum has been on the NHS waiting list for a new hip and knee. Their solution is fill her with pain killers and I want to bring her to Australia for a hip replacement. As I can get it done before christmas and its not cold and slippy for her recovery ie all the swimming…
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Driving Insurance
I should shortly receive my full driving licence back from DVLA after a 6 month revocation for a minor injury. I have started to look for insurance after declaring on the Money Expert site "YES" to the question "Have you or any drivers ever had insurance declined, cancelled, voided or special terms imposed". My preference…
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One Call insurance - avoid!
Had a renewal through for One Call car insurance. Admittedly they sent it with three weeks on existing policy and we failed to act, however a little surprised to see they take the money 5 days before the renewal date. Found a better deal and tried to cancel the policy one day after start date. They wanted a £40 admin…
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Subsidence -positive experiences please
Hi Forumites. Our house has just been diagnosed as having subsidence. We’ve made an insurance claim and a surveyor came today & agreed it definitely needs intervention, although the house isn’t in danger of collapsing! He’s ordering soil, tree, foundation and drain reports, then we’ll have to see where we go from there. i…
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How can I keep my no claims bonus active while driving a lease car?
I have maximum no claims bonus but for the past few years have been driving lease cars, meaning my no claims bonus is about to expire. Any suggestions on how to keep it live that don't involve insuring an old banger?
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Buildings insurance and house sale/purchase
My current buildings insurance is one of those online policies where you can't speak to a human and everything has to be done online. I've tried the online chatbot but can't make it understand the question... I'm hoping someone here might be able to help, please I'm expecting to shortly exchange contracts on the sale of my…
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Need to find new insurance cover for property still waiting for probate
Recently my mom received a letter from her current policyholder, the AA, saying that they could no longer insure her because the probate on my late step-dad's estate still hasn't been completed. My mom lives in the house and owns half of the house. She is not an executor so she can't do anything about that but the…
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Medical Condition Disclosure Life insurance policy
Hi all, I’d appreciate some advice about life insurance and medical disclosure. I went to my GP with heartburn, and my blood pressure was a bit high above normal during the check. Because of that, the GP sent me to A&E the same day to be safe. At A&E, my blood pressure was normal, my heart and other checks were all fine,…
