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Car valuation
Just bought a second hand car for £6994 (competitive price), but the valuation on MSEs Compare+ tool is £3640.The lower estimate massively reduces the premiums, and there is a note saying insurers will only payout the trade valuation. Should I just go with the estimate on the tool?
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Taking out a new insurance policy with previous protected NCD and a claim
Firstly, sorry for the confusing title, but I have a question regarding a car insurance policy: I have built up maximum NCD over the last few years, and have protected MCD with my insurer (esure). Unfortunately, this year, I have had to make 2 claims. One was a 50/50 liability, and the other was the third party liability.…
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IGO4 Car Insurance
As expected my car insurance renewal is up by about 50%. On comparison sites IGO4 seems to be the cheapest by some distance but never really heard of them. Mostly positive reviews on Trust Pilot but few dodgy reviews on here, albeit a few years ago. Anybody have any experience of them?
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Home insurance extortion
Hello, I have received the renewal from TESCO Bank and I almost died on the spot. I have been with the same insurer as they are "dealing" with my subsidence claim for the last 5 years. As any "good" organisation would, they are making the most of this situation. Knowing that no other insurers would come anywhere near my…
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Hastings Direct holding onto my money!
Using Compare The Market honestly, got me to Hastings Direct. I paid. Then later was told the policy was not right for me. I agreed to cancel the policy which doesn’t start for 3 weeks. Hastings Direct will keep £20 of my initial payment and will not refund the rest until after the policy start date!
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Need some Advice
Im aware it's not in the correct forum however it's the closest I could find if anyone can point me to somewhere outside MSE I would be grateful. Im contemplating taking out Bupa Medical insurance now I have hit my mid 40's I dont have any issues as such that I would consider life threatening however I recently was…
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Type 1 Diabetic Life Insurance U.K. Help needed
Hi, Thanks for reading my post. My wife is looking to get life insurance. She’s been a type 1 diabetic since her teens. She has diabetic retinopathy & early stage neuropathy in her feet. Not the greatest of circumstances to find ourselves in. We’ve tried Legal & General, Aviva, Royal London Diabetic cover & Beagles Street,…
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My second car is a motorbike
During researching car insurance quotations, most comparison forms ask about "having access to a second car" (sometime vehicle). Then there is a drop down with car, company car, van etc, but not motorbike. Is it fraudulent to pick car in this instance? I'd think that driving (or riding) another vehicle would reduce the…
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Car damaged by Neighbours Property
Hi I don't know if this is the right place to come for advise with my predicament but here goes. My car was parked at my Parents house overnight in December. The next morning we found that a Rattan Sofa had been blown off the "Roof Top Terrace"of one of the neighbours houses and landed on the roof of my car causing a lot…
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Live Life Protected Limited
Hi there, My partner recently received a letter from the Liquidators of ‘Live Life Protected Limited’ (company reg no. 04906681), stating that the company’s records indicate that he purchased life assurance through the company and may be entitled to claim a creditors dividend in the liquidation of the company, relating to…
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My cat insures have increased her premium by 94 % !!!
My cat is now over 15 yrs old and has for nearly 2 years now had 'Hyperthyroidism'. (April 2022) Her insurance premium increase in Feb 2023 was an average amount that you'd expect (can't remember how much) but the increase in the renewal notice I've just had for Feb 2024 is about 94% !!! . . . . . . . Gone up from £116.32…
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Opps My error : AutoAid auto renewal - price difference in renewal price and charged price
Just gone through auto renewal with AutoAid The renewal price stated in notification email is Premium £61.49 (inc IPT) service charge of £6.50 Total £67.99 So I allow the auto renewal to proceed EDIT : Turns out this was the 2023 renewal price !!! BUT when the documents arrive via email the attached schedule shows a…
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Car Insurance Comparison sites sharp practice?
I have obtained car insurance quotes from several comparison sites; generally they appear able to sell the exactly the same product that insurance companies provide, much cheaper. So there is a penalty for going direct. This is the seller's right, to vary the price of a product because of a referral, underhand in my view…
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Freeholder buildings insurance
Hi all, Looking for some guidance. I own the freehold for my whole building, which is made up of two flats. Si am responsible for obtaining buildings insurance. It is a converted Victorian era property in London. I own the ground floor flat and upstairs is owned by someone else with their own leasehold. I thought this…
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Home Insurance - Purchase Following Survey
Hi all, we are part way through the purchase of a property and our survey has just revealed some cracks on the exterior wall. It was originally thought to be drainage issues however a drainage survey could not confirm, so now it is thought that it is caused by guttering causing water to freeze and contracting the mortar in…
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Do you always have to declare a cancelled car insurance policy
Right we’re moving house in March/April and the number of providers who are willing to insure our cars has dropped compared to where we live now. In the small print on our car insurances it says to let them know if you move and they’ll either adjust the policy or if their underwriter can’t provide cover then they’ll have…
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Miscalculated NCD
My insurance is up for renewal and I have realised I missed a years no claims - I should have 4 rather than 3. I contacted my current provider to ask if they can change my NCD proof from 2 to 3 and I have proof of 3 years from my previous provider. They have stated that as I said 2 years at the start of the policy there is…
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"Subsidence" Guide is available from The Institution of Structural Engineers
This is a 200 page A4 size guide. Now updated with all the latest knowledge. In my opinion, it is very comprehensive about all the issues. Diagrams, photos. Cause. What should be done. Repair Methods. The Process. Insurance. Legal things. Really, anything you can think of. I wish I had had this Guide in 2018! It is also…
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Late renewal quote
Hi, Currently looking to renew home insurance due 27 February. Have done comparison sites etc but was waiting for current provider esure to send my renewal quote. Contacted them to be told it wouldn't be sent until 14 days before renewal date! Queried why not sooner as this restricts my options on comparisons. I was met…
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Atlanta Insurance Intermediaries Limited trading as SAFEGUARD
I have just taken out home contents insurance via the above intermediary. The named Insurer is Ageas Insurance Limited. The premium/cover is very keenly priced [£65 per annum for £75000 sum insured]. Comments please - should I be happy or worried?