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International Private Health Insurance (China)
My daughter and her boyfriend are soon moving to teaching jobs in China but international health insurance seems to be extremely expensive ( this might be the case but since it’s all new to them they are unsure) . They got a quote from AXA for over £100 each per month - please does anyone have any tips/ recommendations for…
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What is classed as accidental damage under home insurance?
I have contents insurance from LV which only includes limited accidental damage cover (for tv’s, laptops etc). I can add full accidental damage cover but I’m not sure if it’s worth it. It increases the premium significantly. I had always thought that accidental damage was things like spilling red wine on the carpet or…
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Mortgage Protection Insurance for an over-50 year old
Hello everyone - I need some advice. its been a long time coming but ive re-entered the property world and have just got myself a new pad after years of renting. thing is I am now over 50 and there is that cloud over me - as mortgage protection insurance. Do I need it? I tried a broker recently who shal remain nameless but…
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Landlord Buildings Insurance/Residential Buildings insurance.
Buildings insurance advice please. I live in a Victorian conversion. Two flats, one building. One flat is owner occupied, the other is rented. The two flats have separate owners. Share of freehold. What are the options for buildings insurance please?
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Private Health Insurance - Don't know where to start..
The NHS services where I live are shocking bad, and I'm in the fortunate position now my mortgage is paid off to afford up to £70 a month for private insurance. But I just don't know where to start, even the comparison sites seem confusing. I'm 56 and in good health except for some acid reflux caused by a small hiatal…
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Permanent health insurance costs?
Hi all so I have had a PHI policy for around 15 years now, and so far not had to use it “touch wood” I have changed jobs a few times and salary has risen, so decided now I have reached the grand old age of 50 I needed to look into it, and found i was down £100 a year, so previously I was paying £72 a month for around £400…
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Close an absolute Trustcontaining life policy
A life insurance investment bond was moved by its owner into an absolute trust for a grandchild.The trustees wish to pass the bond into the control of the only beneficiary without cashing it, but are told that this cannot be done as it is held in an absolute trust.Can anybody explain more, please, or advise on how to…
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Private health insurance question (Beneden Healthcare)
Hello All, Looking for some advice if possible. My mum pays into a scheme with Beneden Health (for past 3 years) Recently she had an injury which has turned out to be a chipped bone in the ankle. The GP sent her to hospital who then did and X Ray and found the fracture. She has been advised that she needs to see an…
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Recommended building insurance for water leaks?
Hello We've had a leak due to some shower issue fixed by our builder some time ago but we're worried about further leaks as sometimes we hear a dripping noise after/while using the shower on the level below but no actual leak can be seen. So we wondered if there were any recommendations for home insurances that cover water…
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Life insurance with mental health issues.
Hello, I'm trying to find life insurance for myself, but I have mental health issues which I've been upfront with to the insurance companies and brokers, but it seems nobody will insure me. I have just purchased a house and I would like a small life insurance policy that will cover my mortgage should I pass away. Are there…
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Confusion between Churchill Essentials Car Insurance and Churchill Car Insurance?
What is the difference between the 2 apart from the £50-£100 price difference? Is Churchill essentials 3rd party cover only? Also I read the MSE guide on car insurance and it says in the guide if you type your driving license number on the price comparison sites then you get a cheaper quote, can anyone confirm how much…
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Insurance Renewal Problem
I'm unsure if this is the kind of issue that should be discussed here , but need to get advice. My mother was admitted to hospital several weeks ago in a rush. She is 96 years old and not very well. She received a message on her phone telling her that her COOP house and contents insurance was due for renewal soon, with no…
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Building Insurance
If someone buys a property then discovers an issue which they refer to their Insurers, do the Insurers then go back to the Vendor even if this was an unknown issue to them?
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Ex-partner's home insurance on our jointly-owned property
Apologies if this is a bit long but here's the background story. My ex and I broke up at the end of last year. I moved out, and she is still living in our house with our son. I pay my half of the mortgage. She pays the bills and has taken out her own home insurance policy in her name. As a co-home owner, I believe I am…
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Is a Fresh Credit Check Done Before Car Insurance Auto Renewal?
My car insurance is upfront or renewal soon - I always paid monthly (with no issues.) However, my credit score is not very good just now. Will they do a fresh credit check before auto renewal, even though they have had no problems with me? Thanks.
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What to do about car written off
Hi. I have never been in this situation before and seeking impartial advice. My parked car was shunted by another parked car which had been crashed into. Therefore my car was not directly involved in the crash. I contacted my insurance as there was minor cosmetic damage to my car, and visible damage to the shunting car…
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Question on comparison site : is your property within 400m of a watercourse. Yes I do.
Also I live near the top of a very steep hill. Never been flooded. So whilst this questions answer will no doubt push the premium up why is there no nuance to the question I am forced to give? Almost as stupid as the many questions about types of locks. I’ve got three possible ‘main’ entrance doors all with different locks…
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Bike insurance claim help…. Please!!!
Hi all - please help! My insurance company have turned down my claim for bicycle theft. i was in the house at the time, so the front door wasn’t locked. I think the wording is vague, would really appreciate any help. The security requirements from appendix 1 mention “security devices” but no definition of secure devices is…
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At our age?
Hello, I'm 80, my wife is 74, we have a life insurance term ending in 2027. We wonder if it would be worthwhile to enter into another agreement which would be relatively short-term, obviously, but which would help further if we survive for a few years. I'm thinking mainly of funeral exes (rather than entering into a…
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Non-Fault Accident – £200/Day Credit Hire, £850 Excess – Too Late to Go Direct to Allianz?
Hi all, I have just read this post and it made me bit worried because I think I might soon be in a similar situation so.. https://forums.moneysavingexpert.com/discussion/4759978/enterprise-courtesy-car-advice-needed/p2 I was involved in a non-fault accident last week hit from behind while stationary. The third-party…
