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Same company - online quote significantly cheaper than renewal. Can I take it?
As the title says. It's HomeProtect, renewal due tomorrow. Can I take the online quote and cancel the renewal??? We're talking between £300 and £600 cheaper than the renewal price here - not £50 here or there. As much as anything, it's been really easy to tweak my quote using their online system (change items covered,…
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Is my freeholder being reasonable?
Hi - I live in the first floor flat of a Victorian Conversion. My freeholder owns the downstairs flat and rents it out. I've looked at the buildings insurance schedule and I've been charged 50% - but in the schedule there's insurance for things like "commercial loss of rent" and "business interruption". But that's surely…
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Laptop Top insurance
I recently bought a used laptop from a third-party marketplace. I took out their insurance policy. The laptop broke after 5 weeks, I notified the marketplace who have passed the matter onto the insurance company evy and now they're both passing the buck back-and-forth between each other refusing to cover the repairs or…
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Travel insurance claim in and taking out new policy?
We were due to go to the US on the 14th September. On the evening of the 13th my husband was admitted to hospital and I cancelled the trip. I submitted a claim to Reactive Claims (Insurance with AllClear) on the14th October and have had no correspondence at all. I phoned yesterday to be told it had been passed to an…
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Disabling auto renew feature 'locks in' higher premium
Auto renewal might be convenient for some but it might put you at a serious disadvantage depending on how and when you try to extricate yourself from it. I got notified of expiry of my existing policy 4 weeks out. But when I tried to use my on-line account to disable auto renewal, the option was no longer accessible. The…
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Are my contractors committing fraud in my name?
Hi, I've got a long-running home insurance claim going after an escape of water in my kitchen. After a couple of months of my insurance company being difficult, I hired a specialist company to manage my claim and do the restoration work. We are now parting ways with the company after some of the building work went wrong,…
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Subsidence/not Subsidence
We put a claim in to check for subsidence on our porch, the porch was an addition to original building. Someone came out did a bit of digging and said the work was poor quality and the foundations should have been deeper. No repairs were needed, but it is down as a subsidence claim on the renewal for £3679. This is making…
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Help please...Home insurance massively higher than neighbours! (in flat roof and flood risk area)
Hi, has anyone experience of this or know any reason why this may be the case? I have an end of terrace house built in 2020. I am one of 6 identical houses - they are built in 2 blocks of 3 (so 2 mid terrace and 4 end terrace) I'm an end terrace. They are 3 storey townhouses with flat roofs. We are also in a flood risk…
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Can Insurance Refuse Cancellation without Face ID?
Just a query, is it right that a car insurance company can legally refuse to cancel the policy unless you turn on Face ID? They used to allow you to make changes/ cancel before either with the face ID or by entering secure info, but now they are saying it has to be face ID.
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Confused.com reward on cancelled policy
I took out car insurance the day before fully intending to collect a car. The sale did not go through and I rang to cancel the policy later on in the afternoon (on the day the policy started). I'm surprised to get an email telling me I've got a £20 Sainsbury's voucher - I was expecting the reward to fail. The Confused…
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Home Contents & Building cover when there are 3 owners
Hi can anyone advise me on the following:There are 3 of us living in a house with a small mortgage with Santander - all equal share joint tenants. Santander have said that all three of us should be named on the building insurance document.We have received an increase from £589 to £739 with our current insurers (who are…
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How many life insurance policies to have??
Hi all I know there is no right or wrong answer to this but I'm currently reviewing the insurance policies we have in our household because money is tight and I'm questioning whether I'm going overboard with life insurance. Combined, me and my partner earn around £78,000 per year. We have a fair amount of debt and feel…
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Travel Insurance - cheaper to book under couples category supposed to group of two?
Hi, I’m looking to get travel insurance quotes for my family. Under the "couples" category (two adults), does it have to specifically be a couple, or can it cover a mother and daughter (both adults)? I ask because it seems to be more affordable under the "couple" category than as a group. Thank you!
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Claim that never was
My 79 year old mother received her home insurance renewal and on it it had a claim for £99 in 2022 which she knew nothing about. After a lot of digging and multiple phone calls to customer service this appears to be an error on the part of the insurance company. In 2022 mum rang up to see if she was covered under her home…
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Please help. CAR INSURANCE
Hello Car insurance was coming to and end and switched to another insurance provider. Chose not to protect NCB of 2 years. First payment of monthly direct debit taken then and there with actual cover starting about 26 days later. Once documents relating to policy came through, I noted cover with 2 years NCB and them asking…
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Renewal - Specified item vs Gadget cover (vs photography!)
At renewal, my home and contents cover has gone up from £1000 to £1600. that alone begs a ton of questions, but I've been running through comparison sites, and also with my current providers website quote system to try to figure out how best to insure. I've got a lot of electronics - camera equipment mainly. Comparison…
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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…
