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Insurance refusal
On the 16th of june 2025 at around 5pm I was on the cambridge roundabout in the correct lane trying to go straight and someone was on the right of me trying to cross over two lanes and he nearly hit the person infront of me. Then the person infront of me got away and the person the right had stopped and I proceeded to…
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Insurance Claim/Voided policy quetion
Dear all. I took out an insurance policy in July 2023. The policy renewed in July 2024 without claim. I had a leak in my property in September 2024. When I took out my policy, I was having building work done in the house for two years. The property was uninsured. Once the property had got to state where all construction…
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Currently have life insurance but moving house and need more cover, cancel or have 2 policies?
I've currently got life insurance with L&G for £200,000 with critical illness for £40,000 (as it covered our disabled daughter too). This is just in my name. Since taking it out I've got married and now we're in the process of moving house so need more cover for the increase mortgage amount. The new mortgage will be…
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Are there any comparison sites for stand alone Personal Injury/accident insurance?
I am seeking reasonable cost PI or personal injury insurance. I wish to supplement my Personal .Accident insurance on my car insurance which I find too small a sum payout. Other than that can anyone recommend good quality standalone Personal accident insurance from a major insurance company. The only one I can find is…
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Burglar alarm malfunction - just before holiday
Our building and contents insurance requires a burglar alarm, with phone monitoring, as part of the policy conditions. The alarm has a malfunction (it’s due to BT digital upgrades); the alarm upgrade has not worked and the engineer has tried everything but cannot make it work. We’re going on holiday in two days time and…
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Topcashback not paying money promised for insurance policy bought - is there nothing I can do?
After buying a buildings insurance policy via topcashback, the cashback was not paid so I raised a claim on the topcashback site. I've just found the following message on the site (in relation to my claim) - is there nothing more I can do now? After all, I used their site in good faith and followed their instructions.…
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Private plate car insurance - haven't purchased the car yet
Hi all, Hopefully a quick simple query.. A car I'm about to purchase currently has a private reg, I want to insure it in readiness for collecting it at the weekend.. Would I be OK to insure it now under the private plate and then change the reg with the insurer once I've collected it and the plate has been unregistered…
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Help me figure out CAT N total loss for car insurance.
Hi Basic info I bought a Citreon C2 (~20 year old) last year for 950. Recently, a driver scratched and dented my car (above rear right tire) in a narrow road. It is not a big one but insurance has figured it is a total loss and awarded CAT N. I have dash-cam video of other vehicle license where I am stationary and other…
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Critical Illness Claim Refused by Insurance Co – Type 1 Diabetes, FCA Breaches & Neurodiversity Conc
Hi everyone, I’m reaching out for support and advice following a difficult experience with my Critical Insurance Provider and the Financial Ombudsman Service. I’m hoping others may have faced something similar or can recommend a way forward. Background I took out a critical illness policy in 2022 via a price comparison…
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Advice re insuring against tree damage
I’m not sure if I’m posting in the right category, but I’m trying to get some advice on an issue with a tree at the end of my garden. I have been in my house for 20 years, and the back of my property has a bank that I have never considered to be part of it. A beautiful lime tree sits at the top of the bank and I have…
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Critical illness insurance - late claim
In
2000, my wife and I took out life insurance polices with Norwich Union, as we
were advised to have these in place across our 25 year mortgage term. These
were later taken over by Aviva. All premiums have been paid monthly throughout
the life of the policies and we are due to continue paying premiums until Oct 2025 when…
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Alcoholism, alcohol related conditions and life insurance.
My daughters partner is an alcoholic and has recently been diagnosed with liver disease. He's been advised to give up drinking but shows no sign of doing so. They have life insurance to cover their mortgage but the liver disease isn't on it. Should she contact the insurers to have it added and what would the likely outcome…
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Advice on claiming through MIB
Hi, I would like to know how easy it is to claim through the Motor Insurers Bureau as a direct claimant? I would like to avoid paying solicitor fees of 20% if I can, but I would like to know if I am much more likely to receive compensation and receive more if I use a solicitor.
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Unsure whether to make insurance claim
Unfortunately I managed to scrape my car and cause a huge dent across the two doors when turned into the carpark and was too close to the boulder. I went to a bodyworks place and they quoted around £1500 to fix my car. It's a 2014 Polo valued at 4000k. I am wondering whether to make an insurance claim instead which I guess…
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Written off value - confused
Please can anyone advise? Van was hit and insurance have written it off. I’ve been messaged with an explanation which I don’t understand and need to let them know if I accept the offer or not. They’ve given a figure for Retail Value, another figure for Trade Value and then it says their engineers have placed a pre-accident…
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Assurance Policy
Hi, I had a 10 year saving assurance policy that matured last year and I received my payment (albeit a disappointing amount). The policy was only for £10 per week but I have received a couple of letters now which state that the premiums were stopped (by them) two weeks early so could I send them £20 to cover this ? I…
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Domestic & General - Premium increase beyond that allowed in contract
I just got an auto-renewal notice on my freezer insurance. Last 2 years £3.96, this year £5.30.....but in the T&Cs it says max rise in year 2 & 3 is £1. Call D&G, make complaint. They call back 2 hrs later saying they have increased by more than £1 due as they are passing on tax increases, which they are allowed to…
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Home Insurance to cover a dog sitter staying in your house?
Hello, First time poster, long time listener! I have a rather unique situation, I've seen some forum posts on this but struggled to find a solution, whether one even exists. We have a dog sitter staying in our house as a service (we pay them) while we holiday. Every insurance company or broker I've spoke to finds this too…
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1st Central Car Insurance – Beware the Auto Renewal Bot – no Escape!
As reported previously, 1st Central car
insurance, with whom I had paid for a year’s policy commencing 2024 June 14th,
had ‘invited’ me to renew with them at an increased cost this year, but ‘no
need to do anything, we’ll do everything for you’ and, crucially, take payment
from ‘the debit card you used to pay us last year’…
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Home Insurance Claim
This is my first insurance claim. I do not know how it works. I have all ceilings in my flat affected/damaged after the water escape from the neighbours upstairs, where they had a tradesperson, who did a new bathroom and damaged the water mains pipe. Neighbour gave me the tradesperson's insurance details, which I passed to…
