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Building insurance and water ingress
Hi all. I recently had a leak into my ground floor flat from the flat above. The cause was water getting behind some shower tiles and consequently not covered by my building insurance as the cause was deemed faulty grouting which is a specific exclusion. I have been looking to change my insurance so that I am covered for…
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Flood insurance
Quick insurance question since I don’t think should be allowed but I am not sure. We are going through the process of purchasing our forever family home in the north of Scotland. Unfortunately it has previously been flooded in around 2014 which resulted in a now fully settled claim. There has been flood prevention work…
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New house insurance seems to now not include storm damage
My new house insurance quote now has a big clause at the bottom stating this about storm damage … “Storm -A storm is a period of violent weather defined as wind speeds with gusts of at least 48 knots or 55 mph (equivalent to storm force 10 on the beaufort scale) and/or torrential rainfall at a rate of at least 25mm per…
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adding non uk driver to car insurance
My sister is visiting from Australia & I want to add her to my car insurance for a week. We've done this in the past, but my insurance (Tesco) won't add not UK drivers, can anyone suggest the best way to do this. We've taking a long trip tomorrow & need to share the driving. Our alternative is to hire a car.
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Claims Underwriting Exchange (CUE) incorrect entry
My wife recently renewed her car insurance policy with me as a named driver (As we have done for many years) The new insurer flagged up a CUE entry stating my name a date in 2021 - Third party hit - none fault - £0 claim. After a whole lot of phone calls and emails it was discovered that another insurer had made the entry.…
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Car insurance 17 year old
My son passed his driving test two weeks ago, and we’re looking to buy him a car, as we did when his brother passed three years ago in identical circumstances. Both passed on second attempt, five months after they turned 17. The quotes we are getting for insurance is roughly triple the £1200 we paid for his sibling, three…
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Admiral building insurance policy
Platinum policy paying £322.53 per year. Policy includes add ons including Family legal protection and home emergency extra cover. I called Admiral and asked the advisor if I claim on the building insurance that would obviously be a claim which would effect any future renewal however would the same apply if I use the add…
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New car quote.
I am getting quotes for a new second hand car , ( bought today ) I still have my old car but will get rid of it in next 4 weeks , maybe sooner. when getting quotes it asks how many cars does the home have , will it make the quote more expensive if I say I have one other car ? Which of course I do but not for long , there…
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Pet Insurance Premium Increase
My insurer (Many Pets) has upped my premium again. The numbers suggest that I'm refunding them all claims in the next years premium as the conditions claimed are "one offs" such as gashes in the pads or viral infections and not on-going costs. Pet Plan claim they don't adjust the premium based on claims. Are there any…
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Insurance (or other options) after botched bathroom renovation
I've just moved into a rental property. Bathroom was apparently renovated 9 months ago - but it's a botched job. Water is getting under the bath at at least 3 points (badly-installed shower screen, plus 2 seams/joins in the shower panels), and causing water damage (minor so far) to the ceiling below). The necessary fix is…
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Estimate from non-approved repairer rejected
Hi All, following an incident (wheel theft), my car was sent to an approved repairer to be fixed. When the car was returned back to me, I immediately noticed that they didn’t fix everything (there were still some scratches and dents in the paintwork) and on top of that, they caused further damage to the car (they obviously…
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Income Protection and Pregnancy
Firstly please be kind. This issue has caused me a lot of heartache over the years and I’ve been to anxious to ask as I’m sure I’ll get lots of opinions on whether I should or shouldn’t. i have been signed off sick from work for many years (various issues) and have received income protection via my employer. It has varied…
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Car insurance quote after a claim
Hi everyone would be grateful for some insight . At end of April my son was in a car accident he was hit from behind while he was stationary . The other driver and his insurance company admitted liability and his car was repaired . now his renewal quote has come through and it is nearly 4 times what he paid last year. even…
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General Portfolio Life Insurance Company - Some Help From 1981
My dad has recently come across some paperwork for a policy he took out with General Portfolio Life Insurance Company back in 1981. He has all the original paperwork including policy number, installments paid and sum assured. I can see from the paperwork it went to Reassure and the last letter we have from 2012 from family…
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Churchill Customer Service Email Address
Hi, Does anyone know if Churchill (for car insurance) have an email address or online form that I can send a query to customer services? I had a look and unless I'm missing it, it doesn't look like it does. I know they have an online chat but I want to send an email to customer services and the only online form I can see…
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Dentist insurance
I have been told all of a sudden I need to have expensive dentist treatment including mouthguards and ongoing work. Can anyone recommend a good insurance that covers existing issues and preferably orthodontics as well, starting ASAP? My work one (Unum) covers some but not much and was hoping there was a better option out…
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Reassurance on Motor Insurance please
I have a 24yr old car and my age is equivalent in human terms.I've had an excessive quote from my previous insurers and refusal of two because of the age of the car - so I started on the comparison sites. The best quote comes up as Tesco. Saving of £150 on my renewal.I've looked and they seem to be using well known…
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Cancelled car insurance - advice needed
Hi there, first time poster so please be kind! Like all good MSE followers, I decided to shop around on my car insurance renewal, and ended up applying for an online policy with Churchill which included telemetrics (I'm not very technical, but apparently this shouldn't have been offered to me as a middle-aged woman - but I…
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Can I get Home Insurance with a Crack in Exterior Wall?
Hello everyone, I am in the process of buying a house and the survey identified a crack in the exterior wall. The surveyor considers it is most likely due to thermal expansion rather than subsidence/heave. In this situation, can I get home insurance? How do I 'prove' it is not subsidence? Any advice or suggestions really…
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Do I need life insurance?
Hi So my current job/pension offers a 4x salary pay out in terms of death in service which would more than cover my mortgage. I have a long term partner (not going to be having kids) so anything I do is to help protect her. Ideally I wanted critical illness cover but once asthma and a couple of other admissions to…
