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Death in Service and Life Insurance
Hi all, Myself and my partner recently bought a house and I was looking into life insurance to cover the mortgage as I am 53 and my partner is 50 so want us to be covered. We both have death in service cover in our respective jobs os my question is do we need life insurance as well or would this death in service payment be…
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Car Breakdown Cover for 17 year old
My son is 17, he has his own car registered in his name and I'd like him to have some breakdown cover. When researching online most companies seem to refuse policy holders under 18, while at the same time mandate that the policy holder be the registered owner of the car being covered. Is he not allowed to have breakdown…
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Hastings Direct "broken" policy
Hi All, I've had an unfortunate few months which has resulted in an issue with Hastings Direct that I'd like to get some input on. I'll try and keep it as brief as I can. On April 26th this year I was rear ended in a queue of traffic in Bristol. No major damage was done but I reported it to Hastings Direct anyway and the…
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Car Insurance - Quote difference between husband and wife
Two car household, both my husband and I are an owner and policy holder for each of the cars. My car is being traded in for a new vehicle, collecting this Friday. It’s an EV so was expecting a hike in premium. What I wasn’t expecting was for my quote to be £230 more expensive than my husbands quote. All details exactly the…
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Car insurance renewal - not sure if should change details
From the outset, I wont be naming the company in question, nor quoting the exact amounts or miles below. In September 2023 I used a comparison site to buy car insurance and I made it VERY CLEAR on the drop downs that it was a lease car. I ended up buying with Company X for, lets say £500. A few days ago I have had my…
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British Gas call out - add to renewal?
Hello. I am renewing my landlord insurance and am wondering whether I need to include a callout from British Gas as part of my homecare agreement. Directline have said it may not have been classed as a claim and suggested asking British Gas if they would class it as a claim but they have said they don't know the answer!…
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Home insurance direct v via broker
My household insurance is due for renewal at the end of the week. The premium is breath taking but reflects the high rebuild cost and listed nature of the building. Two brokers (who specialise in high value property insurance) have tried to find alternative cover but have failed to find another company willing to quote. I…
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Over 80 life insurance
20 years ago, my husband took out a 10-year life policy for £60,000. At the end of the term, the continuing payments of £40+ per month on a new policy assured a sum of £30,000. Nearing the end of the policy and having reached his 80th birthday, our present provider offers a whole life policy, with premiums of £40 pm up to…
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Water damage and rewiring
Currently going through a home insurance claim for escape of water. There has been a great deal of damage, including to the cupboard that contains the fuse box for the house; the ceilings and therefore light fixtures; and the walls which have plug points and sockets on them. The house has had an EICR which states that the…
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Zurich life insurance
We’ve recently lost my FIL who had a whole life plan with Zurich and a guaranteed sum of 20,000. Zurich are now claiming they will only pay out 11,000 to my widowed MIL. We’ve had no explanation despite asking and just keep receiving communication that’s states “our position hasn’t changed” she’s grieving and stressing…
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House Insurance
Has the price sky rocketed this year? End terrace house modest area and belongings, comparison sites quoting £400+ sure it wasn't this much last year!
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House Insurance - 'Flooding' increasing premium
I'm
wondering if anyone is able to help please. I'm currently pricing up quotes for my home insurance and due to previous
'flooding' at the property I own, I'm getting quotes back for three times the
amount I would if the property hadn't experienced this. According to the insurance companies a flood occurred at the…
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Alloy wheels
I'm thinking of having my scuffed alloy wheels refurbished like for like. Do I need to declare this to my car insurance company
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Insurance renewal.,
My 92 year old mum has building insurance from saga. She has a claim for cracks caused by building movement, which the company have agreed, and she is awaiting the work to be completed by their approved company. So the claim is settled, but the work not completed yet. Her insurance renewal is due in September. The annual…
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New build upgrades
Afternoon I'm in the process of buying a new build. We've added about 30k of extras and have to pay a 25% non refundable deposit. I would like to know if there are insurance companies that will cover the deposit cost should the chain fall through. Thanks
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Car insurance - will be cancelled as you havent provided required documents
Hi all, Just wondering if anyone else has had similar issues with the car insurance companies recently? Im sick of (insurance companies in general..but psb) A: waiting on the phone for over an hour at a time to get through to an agent... they presumably dont have enough staff to do the call centre work. (Several of the…
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Claim from a cyclist on the pavement impacting my car…
Hello - I had an incident with a cyclist on what I think was an Electric Bike approximately 9 months ago, which I felt I was not liable for. I initially suspected it was a scam and subsequently reported to the police when I returned home - the cyclist demanded payment for the damage to his bike and requested that I take…
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Home insurance on prospective property
Just had back our local searches and the flood risk for surface water is "signifcant", looking at the map this appears to be 1 tiny little square right at the back of the garden and well clear of the house which has a negligible flood risk. I have run some insurance quotes and nothing look out of the ordinary, is this…
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Cosmetic insurance won’t pay
Hi everyone, I am hoping someone can help me. I went abroad for surgery and need revision. I bought insurance from medical shield and they want a letter from my Dr basically agreeing I need revision. My Drs will not do me one , the insurers say I can use any Dr but how do I go about doing that, I have tried a few private…
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Car insurance letting insurance lapse
My car insurance will expire in a few weeks. As I will not be using my car for a few months I am considering not renewing my insurance until October. I will of course Sorn the car until then. Will I be penalised when I shop for a new car insurance in October for not having a car insurance in place? Will my 10 year no claim…
