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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…
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Mortgage company forced us to take out life insurance
When we remortgaged our house it was at the height of the PPI mis-selling period so we refused to take it out, but our mortgage company insisted we take out joint life insurance or we wouldn’t get the mortgage. Were they allowed to do this?
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Escape of water claim on home insurance
I wonder does anyone have any advice they could offer on the following: family member put claim in for damage caused by leaking shower, the water was starting to come through from under shower down through ceiling. Tesco Insurance sent their claims company out and they say she’s not covered as damage is the result of wear…
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Home Insurance - Am I paying too much?
Hi, So, I got onto the property ladder 4 years ago and obviously set up home insurance... In April this year the amount I was paying jumped from £18 to £27 per month. At the time I was surprised at the big jump, but didn't really look into it. I did read an article that said such insurance had jumped 30% this year.... I…
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Claiming on previous business insurance policy
I had camera equipment stolen from my business premises, and made a claim with my current insurers NIG. They turned down the claim and I took my case to the Financial Ombudsman. They have pointed out that the actual theft happened in October 2022, before I was insured with NIG. They say I should have made the claim with my…
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Home Insurance Cancelled - what to do? Please help....
Hello I recently phoned my insurance company to tell them we'd done an extension and added patio doors - like an idiot, during the works it didn't even cross my mind to tell the insurance company. The works are now complete and the property is secure etc - the main reason I called them in the first place was to add 'patio…
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Axa partners travel insurance
Long story short, partner recieved phone call 2 hours after we had set sail from Southampton on a cruise, to say his brother had unexpectedly passed away. We had to wait till the first port of call ( Madeira)to fly home. On returning home provided Axa with all the evidence they requested, and now neary two months later…
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Whether to claim on household insurance or not?
My dearest partner accidentally dropped a vase into our toilet and smashed a hole in our old porcelain toilet bowl! Whoops. I have bought a new bowl and in the process of getting someone to fit it. Apparently One Call my insurer cover this under my household inurance as accidental damage. But my question is, is it worth…
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Comparison site Car insurance quotes
Got a renewal notice in for car insurance from RAC. Done as always do and went to comparison sites ( including via MSE). Goyt several quotes from MoneySupermarket that were cheaper. Surprisingly the best one was from my existing insurer (RAC). When I selected and tried to ' continue to site' nothing would happen.…
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Wrong job on car insurance
My life is an absolute bonfire at the moment. I left my job end of May and renewed car insurance end of June. Within 2 weeks of that I had an £800 car bill, and literally the next day I drove into someone (going slowly, nobody harmed "just" paintwork) and then got a nail in one of my new tyres. I'm a state. Anyway I…
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Who will insure 25 year old static van?
My parents have just bought a used static caravan. However the company that insured their previous van won't cover it due to age, it is 1999. She's tried various other places and moneysupermarket but can't find anyone Does anyone know a company that would ? Thanks.
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Cancelled building insurance - subsidence
Hello, We bought the house in august 2023 and naively took a different insurance than the previous owners. The house teport said there was some cracks so we obtained a structural engineer report that said it was unlikely due to subsidence. When i got the quote, again naively, i answered “no” to the questions “are some…
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Car insurance claim history declaration
Hello All, I am having a dilemma in terms of car insurance, my costs are pretty high as is, but a year ago when learning still, someone hit my car, i claimed on their insurance etc etc. I declared this on my 1st policy and its just ended and they can no longer insure me on my car. The price for a new policy is approx.…
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Building insurance and water ingress
Hi all. I recently had a leak into my ground floor flat from the flat above. The cause was water getting behind some shower tiles and consequently not covered by my building insurance as the cause was deemed faulty grouting which is a specific exclusion. I have been looking to change my insurance so that I am covered for…
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Flood insurance
Quick insurance question since I don’t think should be allowed but I am not sure. We are going through the process of purchasing our forever family home in the north of Scotland. Unfortunately it has previously been flooded in around 2014 which resulted in a now fully settled claim. There has been flood prevention work…
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New house insurance seems to now not include storm damage
My new house insurance quote now has a big clause at the bottom stating this about storm damage … “Storm -A storm is a period of violent weather defined as wind speeds with gusts of at least 48 knots or 55 mph (equivalent to storm force 10 on the beaufort scale) and/or torrential rainfall at a rate of at least 25mm per…
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adding non uk driver to car insurance
My sister is visiting from Australia & I want to add her to my car insurance for a week. We've done this in the past, but my insurance (Tesco) won't add not UK drivers, can anyone suggest the best way to do this. We've taking a long trip tomorrow & need to share the driving. Our alternative is to hire a car.
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Claims Underwriting Exchange (CUE) incorrect entry
My wife recently renewed her car insurance policy with me as a named driver (As we have done for many years) The new insurer flagged up a CUE entry stating my name a date in 2021 - Third party hit - none fault - £0 claim. After a whole lot of phone calls and emails it was discovered that another insurer had made the entry.…
