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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".…
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Policy Expert - any experience of claiming with them and what to expect
Good Evening, I moved into my property Jan2024 and my ceiling developed a crack a couple of weeks ago in my living room- previous owner installed an ensuite above this area. The ceiling has subsequently come down(lathe and plaster - very messy). There was a crashing sound and the ceiling came down with water then falling…
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Student year studying abroad
My daughter is lucky enough to be spending 2 of her 4 university years in Europe with the first in France imminent. Her uni have provided a travel insurance that covers emergencies and she will be entitled to some cover under CAF once there. She is covered for travel under our annual policy but obviously only for travel…
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Car Insurance - help, who am I with?
My husband is in hospital after suffering a very bad stroke so I am in a muddle. he always insures my car and pays for it. He shops around every year to find best price and I have no idea who I am insured with. I have been all through our paperwork and the last info I could find was 2023. I rang the company and it ended…
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Mortgage Repayment Protection Policy Closure
Hi. I've had a Mortgage Repayment Protection Policy for 20 years. I've been a good customer and never missed a payment. I've just been told that the insurer is going to close my policy because they want to 'simplify their insurance range'. Are they allowed to do this?
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Insurance claim VAT
A family member suffered severe structural and water damage to their home in the recent gales. The insurance company surveyors have been in and reported back on works required. The insurance company offer is for the full amount of the insurance company's preferred contractor except for £1200 VAT. This they have been told…
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I'm considering getting private health insurance but I'm not sure how it works or if it's worth it.
I know I could probably google all of these questions but I'd rather try and have a direct answer from the helpful folks here rather than reading through countless websites. I'm on the Bupa health insurance quote page and entered all my details and stuff and with the comprehensive level of cover I want I'm looking at a £55…
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AVIVA Home Insurance, new FLOOD EXCLUSIONS
AVIVA have notified me of the following new exclusions, due upon
my January 2025 renewal, which in my view gives them an easy way to refuse a flood
claim. I wonder whether others are seeing this type of wording and are concerned
by the implications? “Flood: – Loss or damage caused by rising water table
levels (the level…
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Annual travel insurance expires during return flight.
Hi , me and my partner have a tesco annual insurance policy that expires on the 13th of January 2025 but our flight doesn't land back in the UK till the morning of the 14th , we will be 3 hours into the return flight at midnight on the 13th when it expires . 1.Would the policy cover everything on the holiday up until the…
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Does reporting an incident count as making a claim when renewing car insurance?
A bit of an interesting one, as I was driving away from a Tesco carpark some lady stopped me and accused me of hitting her car, she called me a few colourful words took pictures of me and my car, when I pulled over she drove away, the kicker is I didn't hit her car, I thought maybe I didn't notice but I checked the car and…
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Terminating Income protection policy
Wondering if anyone can advise me on this: I got a letter from my provider of Income Protection insurance saying that they no longer want to provide this type of insurance and the policy that I have had for many years will terminate end of March. I did a little searching and it looks like these kind of policies cannot be…
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More than mice....
Hi, I have been with More than home insurance for at least a decade and my policy documents are nowhere to be seen. You would have thought that all the information for your policy would be available on an online customer portal, but it isn't, I have requested my documents but they haven't arrived in the post, I rang them…
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Claim or repair myself?
I'm freaking out bit, when i was parking my car tonight ,someone had parked over the disabled bay lines, I stupidity decided to park and accidentally scraped my car for on the post. My car is motability, I've had it 7 months, I've been on the scheme for 9 years , now I've not had any issues since my first car back in 2015…
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Life Insurance whilst in prison
My brother in law is currently on prison on remand (charged with drug and financial offences if that makes any different to the question at hand). It is expected that he will be convicted and remain in prison. He would like to get life insurance in case anything was to happen whilst he is away. My main concern is whether…
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Fault Claim - Saga Car Insurance Inspection took place 1 year after incident
Advice Needed – Insurance Inspection Took Place Over a Year After Incident Hi everyone, I need some advice regarding an issue with my saga car insurance, and I’m feeling pretty frustrated. The ‘incident’ happened in August 2023. There was no damage to my car, but the other driver was aggressive and intimidating saying I…
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Car insurance no claims discount
Hi can anyone resolve a discussion? One car 3 named drivers is it the first named who gets the no claims discount and do they also have to be the car owner? Thanks
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EVERSURE BREAKDOWN NON SERVICE
HI. BROKE DOWN LAST WEEK , ITS OK IM COVERED . WRONG YOUR NOT COVERED SIR YOUR CAR IS MORE THAN 15 YEARS OLD . I KNOW THATS WHY MY POLICY SAYS UPTO 20YEARS OLD AND HAS EVERSURE ON IT . SORRY SIR BUT WE CAN HELP IT WILL JUST COST A BIT £680 . SO AS IT HAPPENS I GOT BACK HOME WITHOUT BREAKING ME OR THE CAR. I WILL NOT BE…
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Car Insurance Legal Cover while a Pedestrian
I have a comprehensive car insurance policy with Hastings which includes legal cover. My car was parked at home and i was walking as a pedestrian and hit by a car at high speed. I suffered severe injuries. I called Hastings and was initially told that as i was not in the insured vehicle then it was not covered. So i went…
