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Notice of Intended Prosecution just before renewal
Hi I'm not looking for any sympathy or loop holes to get out of things, but just really not sure on what I have to do. My insurance is up for renewal, I ideally want to renew over the next day or two for optimal price (~20 days before renewal), yesterday I received a "Notice of Intended Prosecution" (NIP) for doing 56 in a…
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No claims bonus transfer from policy holder to named driver
At the moment my husband is the policy holder and i am a named driver. We have 10 years NCB discount. I have been driving the car more recently more than him and when it comes to renewal i feel its right to get the policy in my name and him as the named driver. If we do this would we end up losing the 10 years NCB we've…
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Buildings/contents Insurance
I own a large property which my husband and I bought to redevelop into flats to sell on. He is now out of the picture but I wish to continue living in the house. My problem is that it has nine bedrooms, and online insurers don't touch anything larger than 5 bedrooms. Annoyingly, they let you get all the way through the…
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Urgent Query - A) Building Insurance & B) Vacant Property Insurance
Good afternoon! I am shortly to exchange contracts on the purchase of a house and am therefore quite pressed. The Property will require some significant refurbishment etc, and it is likely I'll not be suitably positioned to move in there perhaps for a matter of months. My Conveyancer suggested taking out both the above…
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When does car insurance pay out?
My lodgers car was written off in an accident 5 weeks ago and valuation and condition agreed within 4 days. She borrowed money from her family to buy another so now she's upset that she still hasn't received payment from her insurance to refund them. How long does it usually take? Also, she has insured her new car with the…
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Annual Travel Insurance (consecutive policies?)
Do annual policies have to be consecutive with no gaps? I have an annual policy that ends on 2nd September 2024. In June 2024 I booked a trip abroad in Jan 2025 and in July 2024 I booked a trip abroad starting on 12th Sept 2024. Both trips were booked whilst having an active travel insurance policy that ended on 2nd Sept…
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Marshmallow car insurance!
Morning all! My car insurance is up for renewal. Been with Aviva for a couple of years now but their renewal quote is a bit too much. Did a comparison quote and Marshmallow is coming up as the cheapest by far. Has anyone had any negative run ins with them? Looked them up on Trustpilot and they seem decent but I want to…
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Fire at Kitchen
Background - Kids were playing in the front. Wife cooking in the kitchen. when kids were shouting mummy.. wife went out and totally forgot about kitchen. - kitchen caught fire. and myself and wife put down the fire. - however entire house full of smoke, kitchen ceiling full of black smoke. - top cabinets where on fire and…
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Abacus buildings insurance legit?
Hi everyone, Our building insurance has gone up over 25% this year. I've tried to get a cheaper quote and this company 'Abacus insurance' via a broker is considerably cheaper. I've googled them and they look possibly dodgy. Can anyone advise? any experience etc? If not i'll probably just go with my old company I think. TIA
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Personal Injury claim.
My wife had an accident in June 2023 which resulted in a longish hospital stay. Once she was back home we contacted the legal assistance department of our home insurance in late July 2023. Despite completing all the required forms, progress has been glacially slow, to the extent that witness statements have only just been…
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Life insurance and IHT
I want to setup life insurance in trust. Need to cover a IHT bill on my property for my children to pay iht. I'm 47, the policy will be for 250k. What I want to know is which trust is best, absolute, discretionary or something else. Also do I have to worry about the 10 year periodic charge, if so how do we avoid this to…
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Wanting to pay for repairs rather than go through the insurance
Yesterday my husband accidently scraped our car on a post whilst letting someone out of a car park on a small industrial estate. The damage to our car was minimal but the post he hit, was knocked out. He went into the shop and they took all his details. Today they phoned asking for his insurance details. We would like to…
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Building Insurance through shared ownership party
Hi there, I own a shared ownership property of which i own 25% of the house, the rest i pay rent. Building insurance is done through the housing Association who I pay the rent to. Each year the price of this goes up and up and this time we've been told to pay over a grand for the year. When i personally do a separate…
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Home insurance question?
Hi all,..just had my renewal from Aviva, and they seem to want to charge me an extra 33% this year??...just wondering what other people are finding. I am aware that motor insurance had gone up, (but not so much this year). ..needles to say I will be having a discussion with them on Monday, (and I have been on the compare…
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Party Wall indemnity insurance
We have a extension on our house, now 18 years old. We are selling our house, but have no party wall agreement. The surveyor, advised we may need "Party Wall Indemnity Insurance" but can't find this insurance online, anyone now where you can get this insurance?
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Help! Insurance 1st Central no policy
I have been paying 1st Central car insurance for 3 years without a policy agreement, and says my policy is inactive. It says I havnt signed a user agreement for 3 years but auto renewal is one, I also have emails from 1st Central saying thank you for renewing your insurance. But I have no policy with them they said since…
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Getting home insurance after differential settlement
Our home has experienced differential settlement over the past 20 years at various times (always in the same place though). It's a detached bungalow built in 1924. We had it fixed via resin injection late last year, and got a Certificate of Structural Adequacy (CSA). I'm finding it hard if not impossible to get home…
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Rac Breakdown Retentions
Yet again, followed your guidelines in MSE, 2 years in a row, the technique works.... In fact this year beat last year's deal. Saved the Retentions number this time round ready for next year. 3 months holiday (Rac w/o) then continue payments without any increase. Must add, 5 year customer and change of circumstances did go…
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Admiral/Auxillis - thoughts?
Hi, I had a no fault accident on 5th August, someone rear ended my car at temporary traffic lights, low speed 10/15mph, no real damage other than bumper popping slightly loose in two areas. I called my insurer (admiral) today to notify them of the incident, but told them I wasn’t looking to claim - as stated above damage…
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Hastings Home Renewal Rejected but they haven't started the repair on my house!?
Hello all, I'm hoping to get some help!! 2 months ago my neighbour had a house fire and it's damaged my property with it needing new roof and smoke damage to most rooms to the point we have been moved from the cheap hotel and put into a rental for a year. The neighbouring property landlord doesn't have insurance so…
