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Commission on vat
I used a loss assessor for a fire damage claim. We agreed a percentage fee. Are they right to take the fee from the vat I paid to the builder?
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Insurance settlement offer too low
Our hedge was recently damaged when it was hit by a drunk driver. It has since died. We contacted the driver's insurer and sent them quotes to sort out the damage. They've come back with a settlement offer but it's only about 10% of the value of the quotes. We can't afford the difference to sort out the damage which means…
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House Insurance renewal. Previous subsidence.
Until last year I reinsured every year with Zurich. I simply had to pay whatever they offered because the house (inherited from parents) had 2 previous incidents of subsidence. One in the mid 70's and one in the mid 90's Both caused by trees. Trees removed, house repaired (not underpinned). Last year, Zurich said they were…
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Confused with Insurance claim for Shower leak
I've never claimed on my insurance and its just doesn't seem very clear or straighfoward as claiming on car insurance. It just seems right from the start I can't seem to get a straight answer or any guidance on what to expect from my insurance company with the claim. So the pipe that takes the water away from the shower…
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SAGA House Insurance renewal
My mother in law was insured with SAGA on a fixed three year House Insurance contract paying approximately £273.00 pa. The renewal came through for the new 3 year fixed price at £1,387.76 pa - obviously a total shock and without my intervention her dd's would have increased to the new amount. I checked SAGA online via…
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Unemployment Insurance Claim near renewal
My job will be made redundant and my last day is Nov. 30. I have unemployment insurance but the annual renewal is on Nov. 14. When you renew you're supposed to tell them if you know you're going to be unemployed. I'm worried that if I inform the insurance company now, they won't renew my policy and therefore I won't be…
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Declaring accident in 2 different motor insurance policies
Hi, I’ve a query about motor insurance. I have 2 cars and 2 policies in my name. Car 1 is my work car with my partner as a named driver and car 2 is my bigger family car with my son as named driver. Both my partner and son have their own vans. My son had an accident in car 2 and my policy is due for renewal on car 1. My…
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Insurance for daughter to drive my car.
Hi all I will try to keep this as simple as I can. My daughters car has failed it MOT and will be off road for a period to get it sorted, maybe 4 or 5 weeks. I own my own car outright. I rang my insurance company about adding her on my policy, so she can use my car. They won't do it as she is only 23 and min age is 25. Can…
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After the Event insurance
Hi, I am possibly going to court about an executor mismanaging an inheritance. I’ve been advised by a no fee, no claim Solicitor that I should take out After the Event Insurance. Is this a legit route? Thanks.
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Pet insurance with Nova
I bought the above a week or so ago. It said that included a 24 hour vet helpline. I've just tried to get the phone number and have been told it's an optional extra which they aren't offering at the moment because they're changing suppliers. I said, but when I bought this policy it wasn't an optional extra - it was part of…
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Is £68 per month reasonable for a Life Insurance?
This is what I am expected to pay for a payout of under £18k. I am 61 with a history of cancer - 2 types (more than 5 yrs ago) and current lesser health issues mainly diabetes and hyperparathyroid. The latter can be fixed by an operation. I was declined by 2 companies but accepted by AIG for the above premium over 20 yrs.…
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Breakdown Cover Dynamo
Just wanted to inform people of the hidden charges when taking out breakdown cover with Dynamo Insurance, they may offer you a good deal but be careful with mid-term increases and then if you don't renew with them they will charge you for leaving. Please avoid this company at all costs.
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Taking unprescribed medication in a foreign country invalidate travel insurance?
Does taking unprescribed medication in a foreign country even if its legal in that country, invalidate your travel insurance? I recently went on a trip to Thailand and while i was on the plane over a guy sat next to me had the cold and he coughed and spluttered the whole way their. Two days later I had it, then it…
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Unauthorised Payment (DD) - suspected MBNA fraud
Good evening everyone, So our house insurance with MBNA was due for renewal on the 30th of September and as always, I did my due diligence but found nothing on the market to beat the slightly higher renewal price of £361.64. The paperwork was quite clear that the renewal was that exact price, nothing extra nothing less and…
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Leak in roof - covered by home insurance...?
The recent wet weather has caused (or possibly just exposed) a leak in part of our roof - it's in the area of a channel where the roof tiles change direction in a sort of L shape (it's a detached house that has an additional section jutting out at the back). I've had a roofer come round and he's had a good look - his view…
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Does my car insurance cancellation count? Or not?
I have a somewhat complex situation. Back in 2018, I insured my car through someone I believed to be a broker (turns out he wasn't; he was just a guy helping people get insurance). A couple of weeks after setting up the policy, I was asked if I had arranged it directly or through a broker. I admitted it was through a…
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New car insurance wording re drink and drugs – a worry ?
Car insurance, quite rightly, will not pay you out if
you were under the influence of drink or drugs. ( They do pay the 3rd party under road traffic law but that’s
not what I want to discuss ). However, the relevant wording in policy documents seems to fall into 2
types. I’ll use typical examples. Some say that a…
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Police damaged car
Hi all, almost 2 week ago a police officer was hanging around outside my house with another officer. They were clearly looking for someone or something. One of the officers, whilst looking upwards next to my house, walks backwards and bangs into my car, without checking his surroundings. The next morning I noticed several…
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Car accident advice
Hello, I was involved in a car accident (collision) on Friday. I have reported it to my insurer but put no claim at this time as I’m not sure if the other party is going through insurance or not. It’s not going to be a clear cut, no fault on either part. Basically, I turned right onto a 20 mph road. I can’t prove where…
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Sky Protect Home Insurance. Is it worth it?
My home insurance is due for renewal quite soon and Sky Protect is coming up well ahead of anyone else based on price.Having looked online I got an understanding of the extra gadgets it provides but my question is would I jeopardise a potential claim if I were not to use those gadgets or to use them not how Sky would…
