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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…
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Advice on car insurance renewal and change of address
Hi, Just hoping for some advice please. My car insurance renewal is due on 14th December. I'm aware that (according to MSE/Martin Lewis) the best timing for buying a new policy is 20-27 days prior, to get the best deals. Unfortunately I am also due to be moving within the next month (still awaiting confirmation of exchange…
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Buildings insurance in shares freehold.
My daughter owns a flat in a converted mid terrace house in SW London. The building is divided into two flats, a single bedroom downstairs one and my daughter's 3 bedroom first floor one. The freehold of the building is vested in a non trading dormant company. The sole shareholders of that company are my daughter and the…
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Admiral online haggling
Once you've got past the "thinking of leaving us" automatic discount on renewal quote, the options to reduce your cover etc and confirmed you are "definitely" not renewing - do they come back the next day or so with a last-ditch attempt and an even lower quote? Just wondering if I am safe to go ahead with the other options…
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Legal expenses insurance compensation offer- WWYD?
Unfortunately in 2023 I had to make an ET Claim against my employers. My insurance includes legal expenses so I applied to them for help . The insurers instructed a solicitor who in turn sought opinion on the merits of my case from Counsel. Counsel assessed that my claim had a reasonable (over 51%) chance of success…
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Does this constitute fraud under the Fraud Act 2006?
Hello, I have submitted a claim on my house insurance with H____ P_____. A loss adjustor from G____ S______ was appointed at my behest after I found the performance of the insurer's claims handler below the standard I expected. The loss adjustor had stated in an email that the claim would be sent to the underwriters, A___,…
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Claim Advice - Damage to Property - Loss Adjuster Issues
Hi A few months ago while moving home, the removal company damaged my external garden wall and railings with their vehicle. They referred the incident to their van insurance company who have subsequently appointed a loss adjuster. For context: the wall is sandstone and the gate/railings are the original cast iron, approx.…
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Young Driver Car Insurance
Why when I go to comparison sites does the car insurance cost from £264 to £3600 What makes such a difference with the same details put in. Which should you go for? Is higher cost a better insurance?
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Leaseholder wanting to sublet flat
Hi I live on the first floor of a conversion and I own the leasehold. My freeholder lives in the ground floor flat and pays for buildings insurance and I pay half as per the terms of my lease. I want to sublet my flat, will the insurer agree that I can sublet. I have asked my freeholder to advise the insurance company that…
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Insuring hearing aids
I live in a house which is not my own. I know it’s well insured, as part of the rent I pay it, anyway I have a pair of hearing aids valued at £4000 how should these be insured for loss or damage either inside or out Is there any insurance who offer this type of cover
