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Paying for canceling car insurance? GoSkippy
No something I came across before, but can you end up paying for canceling the car insurance if the cancelation fee is hgher than pro rata refund amount? It kind of doesn't make sense as they already are keeping the full amount whilst no longer having any risk of the claim to them whatsoever. I am with GoSkippy. No…
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Car Insurance Renewal - ALWAYS Challenge!!
So the RAC sent me a renewal quote for my car insurance (£298), claiming in the email that it was competitive, and similar to what a new customer would get - it was a £70 increase on last years, and I have no claims/issues. Logged on to the RAC insurance portal, said I did not want to renew, because of cost, and was…
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Shared land insurance
Hello all, we're looking at home and contents insurance which would be in our names only. However, the front driveway, paving outside two homes, and small alley to the side is jointly owned by us and next door. We own the land our house is on, and all is freehold. Do we need to get a separate type of insurance for the…
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Looking for a specific type of liability insurance
Dear All, not sure this exists in the UK. In Germany, there's an insurance product called 'Privat-Haftpflichtversicherung'. The closest translation might be something like 'private liability insurance'. This insurance basically covers all kinds of damages you may do to others, including outside your home. Just as an…
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Aviva Online
I have a quote for building and contents. Upon reading documents provided with the quote, I came across the following : It appears that you can't access YOUR schedule at all until you actually buy it. This seems akin to buying with one hand tied behind your back. Does anyone know of any other way to access prior to paying?…
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Home Insurance - rebuild costs over a million - finding it hard to get decent quotes
Our home's current market value is £450k, the home report from three years ago estimates the rebuild cost at £1.3 million. The calculator on the ABI (Association of British Insurers) website seems to confirm that figure is about right. The issue I’m facing is that it’s incredibly difficult to get home insurance at a…
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House Insurance during building work
In final stages of negotiations with builder to commence work on a single storey extension at home. Today, I spoke to our home insurers - very helpful - but not having undertaken any building work before, I guess I was bit surprised at the extent/scope of the restrictions/exclusions which will be placed on cover for the…
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Admiral Claim on NCB document showing as 'fault'
Hello, Just thought I'd ask the group if any of you had experience of this issue? A couple of years ago somebody T-boned my car at a junction. I sent the dashcam footage to Admiral (my insurer), who, after a few months, stated that they had reclaimed the money from the third party (including my excess). I kept Admiral as…
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Dental insurance
my nhs dentist took a tooth out last year and said it wasn’t suitable for a bridge to fill the gap but he could refer me for dental implants which I can’t afford I’ve since visited a private dentist for a different emergency and asked his opinion, he said that a bridge was perfectly feasible. Would I be covered under…
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Terrible Experience with LoveitCoverit (Pier Insurance) Worldwide Cover!
Advice would be helpful! Looking for advice on a nightmare situation with LoveIt CoverIt (underwritten by Pier Insurance Managed Services Ltd, FCA FRN 311798). I'll try to keep this concise but there's a lot to cover. The short version: I took out gadget insurance with LoveIt CoverIt for my work laptop I work remotely..…
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Legal expenses insurance – The Financial Regulators Complaints Commissioner
I'm posting to see if others have had similar negative experiences with legal expenses insurance (also called before-the-event legal insurance). I've complained to the FCA and then to the FRC Commissioner about how poorly this market is regulated. My complaint was not upheld, but I'm convinced the system is not protecting…
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Trace and Access insurance confusion
Hi there, I'm hoping for some help on how to navigate this issue with my buildings insurance. Long story short, my boiler is losing pressure, immediately once the central heating is switched on. 2 Plumbers have been out, at my cost, and both have suggested a leak, downstairs, under the flooring somewhere. My insurance…
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MARMALADE CAR INSURANCE
Hello, has anyone encountered this bunch and if you did was it a good or bad experience? I paid £271 to get my car insured with them yesterday via a comparison site and following a minor technical issue they tried to up the premium by £149 because my additional driver had reported a no fault zero cost claim to her insurer…
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Travel Insurance for Cycling / Mountain Biking
Hi Just contacted Admiral about their Defaqto 5 star Platinum cover and discovered Mountain Biking on any grade of trail or uneven ground is uncovered even under their Extreme Sports add-on cover even though sports like bouldering and rock climbing up to 100m are covered !! Disappointing but assume down to number and…
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Car Breakdown Recovery - Emergency Assist
Just wanted to hopefully enable others to avoid making the expensive mistake I made in using Emergency Assist as my vehicle breakdown/recovery service. I had the unfortunate incident of hitting a pot-hole last week, and when I called Emergency Assist to ask for recovery and to be taken to a local tyre replacement facility,…
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My Experience with Dial Direct Car Insurance
Following the following experience I have now had a sympathetic response from Dial Direct who will be investigating this situation and reporting back to me afterwards. Have also hade a phone call (which I unfortunately missed) to discuss this. Watch this space. I was already insured with Dial Direct and as I was buying a…
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Covea home insurance
Hello, Covea is coming up with the cheapest quote for my home insurance, and I wondered does anyone here have experience with making claims with them and how reasonable were they?
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Can a life insurance cancel my policy just because they want to?
I have a had a company group life insurance for over 20 years now, and kept it even after retirement. The monthly premium being taken out of my salary/pension automatically. I have just recieved a very impersonal notification that they have decided to end the existing group scheme. I've been given a months notice, and been…
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A redundancy settlement with employer & Private Income protection insurance claim &
Hi Folks, I was/am working in England. A few days ago, my employer suddenly informed me that I had been provisionally selected for redundancy. They gave me 2 options- Option 1) To go through the standard Redundancy process Or Option-2) to do a settlement agreement with slightly enhanced severance amount & PILON. They put…
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Income protection - should I cancel
Hi, am hoping for some impartial advice please. I work for the council so have a generous sick leave policy. Due to health issues with my mother and could possibly be hereditary, back in 2019 I took out income protection insurance that will kick in after 6 months to give me £1,000 a month which isn’t loads but if I ended…
