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Taking unprescribed medication in a foreign country invalidate travel insurance?
Does taking unprescribed medication in a foreign country even if its legal in that country, invalidate your travel insurance? I recently went on a trip to Thailand and while i was on the plane over a guy sat next to me had the cold and he coughed and spluttered the whole way their. Two days later I had it, then it…
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Unauthorised Payment (DD) - suspected MBNA fraud
Good evening everyone, So our house insurance with MBNA was due for renewal on the 30th of September and as always, I did my due diligence but found nothing on the market to beat the slightly higher renewal price of £361.64. The paperwork was quite clear that the renewal was that exact price, nothing extra nothing less and…
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Leak in roof - covered by home insurance...?
The recent wet weather has caused (or possibly just exposed) a leak in part of our roof - it's in the area of a channel where the roof tiles change direction in a sort of L shape (it's a detached house that has an additional section jutting out at the back). I've had a roofer come round and he's had a good look - his view…
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Does my car insurance cancellation count? Or not?
I have a somewhat complex situation. Back in 2018, I insured my car through someone I believed to be a broker (turns out he wasn't; he was just a guy helping people get insurance). A couple of weeks after setting up the policy, I was asked if I had arranged it directly or through a broker. I admitted it was through a…
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New car insurance wording re drink and drugs – a worry ?
Car insurance, quite rightly, will not pay you out if
you were under the influence of drink or drugs. ( They do pay the 3rd party under road traffic law but that’s
not what I want to discuss ). However, the relevant wording in policy documents seems to fall into 2
types. I’ll use typical examples. Some say that a…
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Police damaged car
Hi all, almost 2 week ago a police officer was hanging around outside my house with another officer. They were clearly looking for someone or something. One of the officers, whilst looking upwards next to my house, walks backwards and bangs into my car, without checking his surroundings. The next morning I noticed several…
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Car accident advice
Hello, I was involved in a car accident (collision) on Friday. I have reported it to my insurer but put no claim at this time as I’m not sure if the other party is going through insurance or not. It’s not going to be a clear cut, no fault on either part. Basically, I turned right onto a 20 mph road. I can’t prove where…
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Sky Protect Home Insurance. Is it worth it?
My home insurance is due for renewal quite soon and Sky Protect is coming up well ahead of anyone else based on price.Having looked online I got an understanding of the extra gadgets it provides but my question is would I jeopardise a potential claim if I were not to use those gadgets or to use them not how Sky would…
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What are Admiral trying to tell me???
Can anybody explain to me exactly what Admiral are playing
at here? I currently have home contents cover with More Than which
will expire next week. More Than wrote
to me several weeks ago to say that they would not be able to renew my policy
as they are moving out of that line of insurance. They advised me that I would…
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Underpinned building - block of flats policy - broker/insurer suggestions please
I am one of the freehold owners of a Victorian house in North London which is converted into 3 flats. The building was partially underpinned in 2008 following an insurance claim. Subsidence insurance following the subsidence claim was reinstated in 2011 and the building has been continously covered for subsidence since at…
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Home insurance/cracks in walls
Hi, we moved into our house approx 3 years ago. It had previous subsidence repairs in the early 90’s as did several house in his area. The previous owners also built an extension at around he one he repairs were being carried out. We have noticed quite a few internal cracks coming though and a stepped crack on he outside…
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Marshmallow Insurance - Fraud
Hi folks, My partner has recently applied for insurance through Marshmallow (as many of her years driving were from another country). She was initially covered but informed, at around 8 hours notice, that her cover would be cancelled tonight. They have claimed that she made a false No Claims Discount, that they are…
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unsettled no fault claims are affecting my insurance
We have 3 cars on a multicar policy, the policy in in my name. My husband had his van written off in a no fault accident in December then a woman reversed into his new car while he was parked in March. Both very clearly no fault accidents. Our insurance company paid him out for the write off and for repair to the new car.…
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Car Insurance - NCD problem
I've earned 10 years NCD privately in the normal way before joining my company insurance policy. There was no gap in between the two policies starting. I've never had an accident or made a claim. I still drive my own personal car but my insurance is paid for by my employer for the last 2 years. I've now left that employer…
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Young Person Car Insurance Claim
Hi all, I would love some advice please. My son who recently turned 18 and has been driving for only 2 months got into a car accident through no fault of his. The other party has admitted liability. Unfortunately, his car was written off and we are currently waiting to see how much the Insurance company will give him for…
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Rejecting a claim
A few years ago we had difficulty with a travel insurance claim. My wife suffrede a brain bleed but the insurer queried it because we had not (inadvertently) declared a pre existing condition from a long time past which bore no relation to the brain bleed. At the time my daughter found an article by - I believe - the…
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Pets at Home Insurance - Pre-Existing Condition Query
Hi, I'm not sure if anyine has come across something similar previously to this issue and may be able to help please. Back in March when our 10 year old dog had his annual vaccinations, it was noted by the vet that he thought he had a heart murmur. He said at the minute he'd rate it a 2/5 and so it wasn't anything to worry…
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Tradesman caused damage - insurance issue
I had work done in my house, and the tradesman damaged a water pipe that caused a massive leak. We are in a terrace house, and the neighbouring property is damaged too. I asked the tradesman to cover the repair by his insurance, and they filed a claim and asked me to follow up with them. I am now a bit confused about what…
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Car insurance issue
I wiitnessed my neighbour reversing into my car last month, we are not on speaking terms so i called the police. He denied everything but fortunetley a witness came forward and gave the police a statement. With mediation with the police he agreed to pay cash rather than go through the insurance, i got 2 estimates and put…
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LV student theft claim rejected
My son lives in a shared uni house (private tenancy), he went out the other night and the front door was locked. Another tenant unlocked the door and there were people in the house and in the kitchen. Unfortunately some lowlife walked into the house, into my son's room and stole some of his possessions. The police were…
