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'Total Loss' for minor vehicle scrape
Hello... I’m in the middle of a situation with my car insurance which is highlighting something endemic in the industry. In short; Guy in work van bumps my parked car when exiting his space. The damage is a slightly bent wheel arch and scraped paintwork. Cursory quote to repair from a guy I know: £400. Going down the…
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Insurance claim for laminate flooring following escape of water... advice
Sadly I have had a leak from my washer, promptly dried it but I have noticed bubbling of my flooring. So here comes the complicated part..... the flooring runs from my hallway through my kitchen as one continuous floor. I understand that they will only replace the "damaged" flooring and this is literally in between the 2…
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Non-regulation staircase to converted loft - will insurance be invalidated?
So I have a converted loft (fully above board - no pun intended). It has planning permission, is fully boarded and windowed, etc. However the only way to access it currently is through the traditional loft hatch. I want to install a staircase to the loft. I do not intend on using/labelling it as a bedroom, but I want…
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Pending surgery
if you have a pending surgery ( in my mums case a knee replacement) do all insurance companies say you then are not covered for anything medical? She has just got this response from Staysure? They say no medical cover at all with the pending op? I thought other things would be covered that were not related? Is this a…
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Optimal time for motorcycle insurance qoute
LV, my current motorcycle insurer is pulling out of motorcycle insurance. My renewal is 29th July. I seem to remember Martins program mentioning the optimum time before renewal to get quotes as insurance companies use this in their profiling. Can you remind me please?
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insurance claim or self repair
If we decide to self repair after a collision where fault is likely to be disputed, can this be taken as accepting liability? our excess is £1500 and our go-to excellent repairer will do it very quickly and for little more than this amount. We have notified our insurers because another vehicle was involved, but not yet…
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Car insurance problem, help please - owner going abroad, friend looking after car
Hello forumites. Your collective expertise and wisdom is very much needed please! My friend owns a car. She is going on a work secondment abroad for 9 months and suggested we (partner & I) look after/use her car while she's away. We thought this would be a win-win-win: she'd gain by the car being kept running and being…
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Insurance Claim - Complaint
Looking for advice/support! Child flooded the bathroom from the sink, with water ingress downstairs. I have accidental cover which includes this scenario. I was woken at 3am to the situation. I removed the bath panel and partially lifted one plank of bathroom flooring to start the drying. In removing the bath panel, I've…
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Travel insurance for over 80's with pre existing conditions
Our travel insurance runs out next week, we've had a letter saying the company doesn't insure over 80. We're both 80 and last year my husband was diagnosed with throat cancer. He's had the treatment and the consultant has said it's gone. No signs on the scan. Does anyone have any recommendations for a company that would…
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Travel insurance claim query
In July last year my wife and I were on holiday in the USA and Canada. We were due to fly out of New York on 20th July, arriving in Toronto at 10.30pm. We were then scheduled join an Algonquin Nature Adventures camping and canoeing trip at 12 noon the following day. Unfortunately, due to bad weather, Air Canada cancelled…
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Struggling to get car insurance
can anyone help im struggling to get insurance need to renew my policy with 17 year old son as main driver as he will be using my car for a new job. Got a quote then was told i have to pay the whole amount up front which i cant afford they said its because the monthly amount is too high lady said policy will need to me in…
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Hastings Direct home insurance
What is the difference between "premier" and "essential" ?I would have imagined that Premier was a higher level - but it's cheaper than Essentialand has higher cover levels and lower excess
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Please help- home insurance delays in reimbursing for hotel and will soon cause financial hardship
Hello everyone We had a leak in our bathroom which means it is unusable. As we don't have a second toilet the insurance advised us to book a hotel "in the short term" and to send them receipts. I am having an absolute nightmare now getting this money back, they have paid us back the first 7 days of £700 and I am waiting…
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Boiler Insurance v Boiler Guarantee/??
Hi all, Thought I would post here for a little advice. We have just recently had our (very) old boiler replaced with a new one - literally on Monday. :) When the chap installed it he said register it and you get the manufacturers guarantee free provided you do it within 30 days of installation. I have done this - but my…
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Travel Insurance Claim - stuck between insurer and GP
Dear all I bought travel insurance last year (Saga) and then booked a holiday the following day. The insurance asked me to declare if I had any treatment for cancer in the last 5 years – to which I answered no as I was diagnosed and treated 9 years ago. Sadly in December I started to feel ill again and started the process…
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2.5 years and still waiting
Hi My partner had a motorcycle accident in October 2021. The car driver immediately accepted responsibility - confirmed by insurance company's solicitor, Carpenters. Partner received a loan bike straight away and then a reasonable pay out to replace his bike in January 2022. Luckily, despite it being an impact at speed, my…
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best way to get cheapest car insurance quotes?
Using MSE's car insurance tool for the first time. I have 24 days to go until renewal so I know this is a good time (20-27 days). Should I wait and get further quotes over the next few days (up until 20 days till renewal) to see if they get cheaper, or will I have lost today's quotes by then? Bit confused (.com). Thanks.
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Rent insurance for tenancy guarantors (or tenants)
I will soon be standing as guarantor for my daughter as a tenant in a rental property. Can I take out insurance to cover the rent in the event that she loses income (through redundancy, serious illness etc)? Or would a policy of that sort need to be taken out by her as tenant rather than by me as guarantor? Either way,…
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Insurer's contractor damaged my drive - how to approach this?
I have a claim open with my home insurer for subsidence which has caused some minor cracking in the brick to one of the corners of my home. As part of the rectification work, the insurer instructed their contractors to undertake some repairs to the drains. This involved replacing gullies, rebenching a manhole and patching…
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GROUP INCOME PROTECTION
Hello friends. I am on income protection for the past one year. I had my review with the consultant and he believes that everything is fine, but im not still not feeling well and the doctor is saying it could be some other reason.
