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life insurance question
two questions with regards to life insurance (background: I am married, two young children, mortgage free) 1) what is the best kind of trust fund to put a life insurance payout into (for the children). 2) what is the best (safest) way to save/invest a life insurance payout - what do people typically do? n.b. just want to…
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Travel Insurance Claim
Hello. I would appreciate some help please regarding a recent claim we have made on our travel insurance. My partner and I made a late booking for a holiday in mid August to travel on the 2nd September following a somewhat difficult time. I purchased travel insurance on the same day, but had forgotten that we already had…
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haven car insurance.
Back in june I was involved in a car crash after a pallet fell from a truck and I caught the back of the car that crashed into the pallet. I called my Insurence company and within 2 weeks they told me that as I was the rear car they were holding me liable and would not be contesting liability with the wagon drivers…
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Final settlement
I sent a loss adjuster an estimate, and it has been accepted, I now have to sign paperwork which states it's a full and final settlement. However, it's an estimate, I have asked the builder firm for a quote, not their policy (nor anyone else who i've dealt with will give one). The work cannot be done until Spring as it is…
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Home insurance renewal declined
I have been insured through Hastings for the past 6 years with no claims (in fact no claims on a home insurance policy for 38 years!). Received an email yesterday from Hastings saying that none of their "panel of insurers" have been able to offer a renewal so my policy will end on 30/9. Called them and all they could say…
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Abbey Life / Phoenix Life - claiming money after 23 years
I had a letter recently from Phoenix Life, saying they sent me a letter to the address they had on their system but it was returned undelivered, so they were trying to find out where I now live. I rang them and it turned out that they have taken over from Abbey Life. I had a policy with them which they said was ended…
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Premier guarantee house warranty
My daughter and her husband have a house which is still under guarantee from Premier Guarantee. They had a leak on their bedroom ceiling, and called their house insurance to claim. The surveyor who came out said that it was poor workmanship and that they should claim on the structural guarantee company (Premier Guarantee).…
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Avoid auto renew
I couldn't find where to stop the auto renewal for my car insurance so changed my "need" to be max miles on business and personal... Something the company couldn't offer and boom "sorry we can't cover you, the policy will not renew" Just thought I'd share
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Unoccupied house insurance and building work
Hi. Following my mother-in-law's death we inherited her house, which is currently unoccupied. We are planning to have an extension built on our own house, and to move into the empty house while that work takes place (in about three months' time, and for up to six months). The insurance on the currently empty property is…
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Hearing aids got me thinking
A new pair of Hearing Aids got me thinking about personal insurance I live in the family home. It’s in my sisters name, she lives with her husband elsewhere. I pay a nominal rent plus look after the house insurance, rates, maintenance that sort of thing. The house is properly insured but I’ve run up against a problem When…
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Refused travel insurance because I tried to add HRT
After Martin's appearance on This Morning on 29 Oct 2024 we contacted our travel insurer Admiral to add the fact that I am taking HRT. We used the online tool to do this: there is a drop down menu which includes HRT Hormone Replacement Therepy We clicked on this and the result was "we can no longer insure this person". My…
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Do Accessories Invalidate Insurance?
Hi, I wonder if anyone can give me some advice as I am really worried. I have fully comp insurance with AVIVA and 13 years NCD protected. The brakes failed on my van whilst I was driving with my daughter. On a gentle hill, I T-boned a car which subsequently hit a parked car. No injuries thank goodness. So incident was my…
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Two Sets of House Insurance?
Hi there, is it possible, and legal, for two people to have insurance on a house? And if the worst happened, can both claim? For example, I'm married and my wife plus myself jointly own our house - it's fully paid off, worth £300k. We both have house and contents insurance on it, there's a gas explosion and the house is…
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2nd Home Insurance for Family Member
We have a 2nd home that once upon a time we used to let out via a professional letting agency. The home is not mortgaged and my Son now lives in the home full time. He is employed full time. As it's our son, he doesn't pay rent, just the day-to-day bills. Therefore; 1. We cannot get 'Landlords Insurance' as we cannot…
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Refused Insurance for Mum
Any advice please. SAGA buildings and contents insurance renewal quote came and doubled to £900 for a two bed house. (Worth about £200K) However Mum went into residential care today (she has vascular dementia) so I rang them to see if I could get an unoccupied quote and explained that we will be selling the property. CCTV…
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Early car insurance renewal: quoted premium doubles on key policy start-date!
I wanted to share with interested users an experience I had today when renewing my car insurance. My current provider brought in a hike. I did a new go-compare search and followed up on quotes from two competitive providers. Existing policy expiry date was 12 Dec 2024. My quotes were raised on 19 Nov 2024: 23 days ahead of…
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at fault car crash pay or claim insurance.
I reversed into another car in the supermarket car park , apologised and said I would pay . My car has no damage - theirs has a scraped bumper from when I was turning. We just exchanged numbers - they rang me up and said it would be £1300 to fix (I didnt mind paying but thought that a bit high. ) and rather than go…
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No Claims Confusion
Hi Everyone Wondering if someone can help me figure something out I took out a buildings and contents insurance policy in May 22, had made a claim Dec 22. The claim was open until Nov 23 and I renewed my insurance in May 23 and May 24 I’ve recently sold the property so have cancelled my insurance but when I do eventually…
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External Work - Internal TV
I'm having some external work done via a clam to a crack in my bricks. Internally, near the crack is a wall mounted TV. 1. Should the TV come off the wall prior to the work? 2. Would the Insurer pay for the removal and re-instatment of this TV (it was professionally installed to begin with)?
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Is this legal ? One Call insurance
I found myself in a dispute with One Call Insurance who have cancelled my motor insurance due to the insurer allegedly not covering my new address. The policy was due for renewal on the 28/11/24 and I had found alternative cover with the same company but at less than the renewal price so took this out online and paid for…
