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Car/van modifications affecting insurance
Hi All, Could someone please enlighten me on how this works. I recently put some side windows on my van and was shocked when I renewed my insurance, as the premium had nearly doubled when I declared that the body type had been modified. I am currently in the process of notifying DVLA of the change of body type from "panel…
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Just bought and moved in
I moved here 19th July to a ground floor flat. En-suite needed upgrading however the plumber discovered a leak under shower tray which has caused serious damage. This has obviously been there for some time before I moved in . The factor tells me they only look after public areas and have no insurance covering leaking…
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My car insurer won't defend or deal with third party claim
Someone has falsely alleged that I keyed their car while I was driving out of a nursery car park that they had almost completely blocked the entrance of. Foolishly I folded their wing mirror back out of frustration while getting past it (many point turns involved and this car had been parked in this way several times…
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Car Change Insurance and disability road tax
I recently just bought a new car and it will be here on Thursday. I plan on transferring the ownership for my old one to my father. The car is taxed free via using my mother disability I believe its for the full year and it probably has about 6 months left on it. As I understand once I transfer ownership to my dad then he…
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Puffin Insurance - payment by credit card...and definition of pre-existing conditions
I am trying to take our pet insurance through Puffin Insurance (good price, excellent reviews) but they insist they cannot take payment by credit card, only by direct debit (even for a one-off annual payment). I've never come across this before. Should I be concerned?
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Personal Injury claim
Passenger in car, other car at fault & going though MIB My solicitor sent this. Before I reply; is this common?
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Gap Insurance for PCH - confused
I've read the GAP guide and tried to research online but I'm still confused - maybe an age thing! Next month I get my first ever brand new car on PCH. It will cost £510 per month for 24 months (I know, I know, but it's a bucket list thing and I CAN afford it!). 1) Am I correct that if I choose a fully comp insurance policy…
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Being sued after car crash
My daughter had an accident last year. I'm not sure if it was established who was at fault, and I'm not sure if that is relevant as she can no longer afford her own car due to the insurance hike! We thought everything was settled, but recently got a solicitors letter through the post claiming for £17K worth of additional…
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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…
