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No Claims Bonus discount
Please can someone help me understand this. I have NCD for 9+ years, protected. My renewal notice states my NCD is still for 9+ years. What happens if one changes to a different company? Does this still stay at 9+ years, Does this stay the same 9+ years even if there has been a claim in the previous 3 yrs?
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Home insurance Notification Claim
Having just gone out for quote on my home insurance I have been surprised to learn there is a claim on the database from June '23. Having not made any claims on my home insurance ever, I had not factored this in when obtaining insurance quotes. After a bit more digging with Hastings and AXA I have found out that a…
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Named driver accident
If a named driver on an insurance policy has an accident (but no claim for any damage made) and they are removed on renewal of the policy does the car owner have to admit the accident to the new insurance company? Questions are - have YOU ever made a claim
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Unemployed or retired
Hello my car insurance is due. On comparison sites the difference between putting unemployed and retired is about 30% more if unemployed. I haven't given up on finding a part time job, but it is quite unlikely due to personal reasons. Would it be ok to put retired but then change my policy details mid policy in the…
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Insurance renewal
Got a 25% increase on my home insurance renewal letter with a note that it would be autorenewed using my credit card Couldnt cancel renewal online or by e mail I had to call. Went through the usual set of identifying questions I was told repeatedly that I had to answer more questions before I could stop autorenewal - as it…
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Undisclosed claim?
I renewed my Home insurance 21/10/2024 from Sainsburys to Oneprotect. Today I got a letter stating that I had not disclosed a claim from 1/12/2019. To get in touch with Oneprotect I had to go to their website and go to "live chat". I did this and told them that my wife and I had no recollection of any claim since we moved…
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Car insurance and legal cover
I was hit by a moped at the rear of my car. I contacted my insurance company Marshmellow with who I have legal cover. My NCB is protected. Marshmellow put me in touch with their "insurance partner" Winn Solicitors who were going to act for me. Several months later Winn then ask me to pay their fees and the hire car whilst…
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Cancellation of over 50s guaranteed life insurance
Reassured (brokers) tell me if I had one it could be cancelled if I decide we can no longer afford the premium. IS THIS TRUE?
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Learner insurance when accompanying driver has an EU licence
Hello, I'm trying to find a learner insurance for my son so that he can practice driving with me in the family car. Now, I have an EU driving licence and that seems to be a major issue. Naively I thought that it would be fine as the gov.uk website states that, legally the accompanying driver may hold an UK, EU, or EEA…
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What counts as declined / cancelled insurance?
Some background: I had a DG10 driving conviction a couple of years ago. I went through a few online applications for car insurance and had a few insurers say they couldn't quote before finding one who would (a specialist insurer). Secondarily I was a named driver on a friends driving policy and when it came up for renewal…
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Home insurance renewal, claim or not?
Background: https://forums.moneysavingexpert.com/discussion/6493045/water-leak-underneath-possibly/p1 Summary: The leak is not from my side, 2 plumbers and water company confirm. Anyway, at the time I thought it was and submitted a claim, the result: 02/01/2024 Claim Number: We’ve looked into your insurance claim Dear…
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Building insurance husbands name
Hi, our house is solely in my name as as I had the property before we were married. My husband has lived here over 10 years. The buildings insurance needed renewing and I left it to my husband who has done it in his name. This is not a problem to be, however will it be a problem if we ever need to claim as the title to the…
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Accidental Life Insurance
Hi all. Mt Dad died last year and had prepared me for the things I needed to sort when he passed. As he died as a result of a fall, the inquest ruled Dad's death as an accident. He took out many policies but wasn't very good at keeping a paper trail. I have looked on the internet and found companies such as uar.co.uk who…
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Company receivership
Hi! A family member has a life policy with a company that has gone into receivership. Her husband has passed, and all relevant documents have been submitted, but nothing else has come through. This has been ongoing for 3 months. We can't get anywhere with answers as to whether the policy will be paid out or not. Also,…
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Fittings insurance
I know you have a previous thread on this but it doesn't cover my situation. I am a leaseholder in a block of flats. Our fittings are covered under buildings insurance but the excess is £800. This is fine for the building but in essence unless there's a fire or catastrophic flood, we are paying the full cost of replacing…
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Personal injury claim
I had an accident last year in November which wasnt my fault , the other insurance company accepted fault but are offering very little money for the injury so i would need to go to court. how do i start doing this or whats the steps? There are no solicitor involved
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Buildings insurance renewal declined
We have buildings insurance with SAGA, They have declined to renew the policy saying that none of the companies they use will not accept our house because of the flood risk. (Surface water risk- Low, River Water risk - Medium) However, we have a current subsidence claim going through with them (since 2022) they say this…
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Medical insurance
I have a probkem with medical insurance, very complicated so il try and be brief. I had very serious complications at a private hospital ten years ago ( who didn’t want to know). My medical insurance increased massively and it’s now unsustainable. They’ve advised me to cancel policy and come back as a new customer but all…
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Sheilas Wheels Policy Auto Renewal
Heads for policy holders at Sheila's Wheels(aka Esure), I have been struggling to stop my policy auto renewing. They are a internet only setup with a chat bot to take the basic request anything more complex and at request a person will join the Chat session. The outsourcing model used i assume for security reasons limits…
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Car insurance for non-UK residents
My daughter is resident in EU country and I want to insure her on my car so she can drive it when she visits, Aviva tells me that they don't insure non-UK residents. Is this a general insurance company policy? Is it worth changing Insurance companies? Has anyone any experience of getting temporary insurance cover for such…
