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Car NCD's
I have changed insurers annually. Last year went with the AA and put no claims for 9+ years. Renewal time and I'm changing insurers. Just been reminded I may have made a claim 5 years ago. I have no paperwork and no idea who was the insurer. How do I check previous claims if don't know the insurers. I know there is MIB…
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Loss adjuster - doubled rebuild amount so halved claim payout
I'm trying to get a claim for water damage through my insurer (it is a landlord insurance as my property is let). I've used the standard BICS online too to get the rebuild value to I used when renewing the policy. However the loss adjuster has now claimed the property rebuild value is almost double this (almost exceeding…
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Change life insurance into a trust
I took out a life insurance policy 5 years ago but have now decided that I would like to put it into trust. Can anyone tell me if and how, I would do this myself without incurring expert fees?
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Severe Fire Damage to neighbouring property
My elderly neighbours have had a serious fire in their Garage/Yard which was bad enough to damage the whole side of their semi detached property. Burnt barge boards, melted upvc windows and door plus burnt electrical wire, Additionally the double garage with an asbestos roof is totally burnt out. They claim to have…
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Income + life insurance
Hi, new to UK and trying to get income and life insurance, but don’t know what I need to look for to get the best coverage. I am a registered nurse, 49 yrs of age, have no mortgage and would like my family included. I only work as agency, so 0 hours contracts. I’d appreciate feedback if possible. Thanks so much everyone!
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Upto or full 25% no win no fee solicitor ?
Can anyone give me some advice on a no win no fee solicitor charges. When we originally phoned and signed up we were told it would be UPTO 25% only for work which had been done . An offer has been made and which we have been advised to take but say they will be taking the full 25% as a winners fee . I checked the small…
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Pet Insurance - am i paying for too much?
We've got a family male dog, classed as a large dog who is around 11 (rescue so estimated when we got him). Mixed breed - Lab, with something else that varies from person to person! I've had pet insurance ever since we got him and stuck to the lifetime option. Now, we've been stung by an increase of £200.00 from last year…
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Learner driver insurance
Hello, my son is learning to drive and I don't want to insure him on my car as it's way too big and it's also an automatic. I am going to buy him a cheap 1.2 run around ao that I can give him extra lessons and he can then have the car once he has passed his test. I am going to buy this car in his name and then I was hoping…
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Churchill no claims
My mother in law (81 yrs ) unfortunately had a bump with her car. Churchill have now taken 6 years no claims from her despite never making a claim in all the years she has been driving. Is this an industry wide thing or Churchill only. Her quote has now gone up £600 to over £800. Has anyone had experience of this
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Insurance pay out rates
Last year while looking at renewing the house insurance I found an article online which listed the companies with best pay-out rates. Along with the worst - and some were terribly low. I can't for the life of me find anything like this atm. Anyone know anywhere to find this sort of info please?
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The mystery vanishing car insurer
After another insulting increase from Aviva, time to move on. A week ago I ran quotes through Meerkat and Confused, and LV showed up as a decent option. I also ran a quote directly on their website at that time, similar price, all good. Today, I set aside some time to put this to bed, but LV no longer appears on either…
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Income Protection Insurance premiums wrong
20 years ago, I took out income protection where the benefit increases in line with inflation. The premiums were also supposed to go up in line with inflation. This is the first time I have needed to claim. They said that the benefit has increased but they have had a system error and not increased my premiums. If I want…
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House insurance claim
Hi all. I started a house insurance claim when I noticed cracks on external wall and inside house in July this year. I got an email from house insurers that they won’t renew my insurance in September 24. The claim is on going as work is still being done to check the property. If there is subsidence, I assume they would…
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Holiday from England to Belfast with no travel insurance?
Hi, can anyone advise? I cannot get travel insurance as all say I’m too risky and they won’t give me a quote. Had dreadful 12 months with cancer diagnosis out the blue Oct 2023 (now cancer free) followed by breaking my neck in Feb 2024, unstable, huge surgery. Got sepsis and pneumonia while in hospital. Still not…
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Aviva via Nationwide travel ins
Has anyone had to make a travel ins claim since Aviva has replaced UK travel with Nationwide? We have had such good service from UK Travel over the years so hope Aviva will be as good. You never know how good an insurance company is until you need to make a claim......
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House vandalised when I was in because Sky security is broken, are they liabel?
There is a glitch with Sky Protect devices at the moment and they are not sending notifications. 2 days ago someone vandalised my home right in front of my Sky doorbell, when I was in. Should I expect Sky insurance to pay for the repair and wave any excess and future penalties?
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home insurance advice
Hi, we are about to renew our home insurance. We haven't had to make a claim since we've been in our current property since we've been here, 13 plus years. We are in the process of having a new kitchen in and (disappointingly after it had all been plastered) we discovered a leak from the bathroom above. It involved ancient…
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Home Insurance Claim Exceptions
Just comparing insurance quotes and policies. Two sets of exclusions confuse me a little and I would like to understand better what they mean if anyone can help please: Saga: Damage caused by escape of water or oil .. covered. EXCEPT if the cause is subsidence, landslip, ground heave or settlement. Does subsidence etc…
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Building developers responsibility?
Hi all, We have a building development being built next to our property. Currently, they excavating for waste pipes using a very large digger/excavator approximately 10 metres from our property. Due to the vibrations caused by the excavator cracks are appearing in our property. I have spoken to the site manager and the…
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Best travel insurance for travel to mexico with laptop?
I've searched & searched for weeks but turned up nothing.. anyone recommend travel insurance that can cover a macbook & iphone in Mexico? Cancun & Mexico city for 2 weeks. Every policy I find doesn't cover devices over £1k (which is pretty much all devices nowadays), even if you specify extra gadget cover. I don't think…
