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Direct Line Refund
New here, hope this is in the right place. Last week I had a text message from Direct Line saying my claim would be paid by BACS transfer in the next 3 -5 working days. The text is 100% from Direct Line as I used to have a car insured with them, it was actually written off in December 2020 following an accident. I have the…
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Car Insurance Wait or not?
Last year car insurance was £180 (included legal cover & basic breakdown) and £40 cashback, total £140 with One Call. Renewal is due on the 8th Jul and cheapest quote £164 (no legal or breakdown) and £45 cashback, total £119 with esure flex. If you exclude esure group then next cheapest is £210 and cashback £45. Shall I…
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House has two halves built in two different dates
The front half of my house is old and was built in the 18th century however it has a two storey extension of equal size at the back that is approximately 20 years old. When obtaining quotes for buildings insurance, what date should I use?
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Car insurance young drivers
I am a retired Grandparent who has taught both my Granchildren to drive and pass their test, the eldest (21 yr old) I added as a named driver on my policy to give him the ebility to gain occasional driving experience and paid an insurance premium (approx £400) and increased excess both of course expected, however my…
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Silly NCD Question for new quotes
Hi Guys, Can any of you lovely insurance experts answer this
hypothetical question regarding No Claims Discount (NCD). For the sake of argument & simplicity, there are 2
policyholders with same rating factors, insured with Insurance Company A. They
are both enjoying 20 real years of NCD. At last renewal, Driver 1 goes with…
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Third party insurers say I exaggerated injuries
In May last year I was involved in a car accident. I was hit by someone turning the wrong way out of a side road. They hit my passenger side, I spun in the road and hit trees at the side of the road. My car was completely crushed and somehow I made it out. The person who caused the accident admitted fault, I was seen by an…
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GoCompare Free Excess Cover
Hi guys, Is Go Compare's "Excess Cover" really free as they advertise?. I got some competitive quotes with their service yesterday and when I went to the Insurers Website to purchase I decided to change my Voluntary Excess from Zero to £200 (may as well because of the 'free' excess Cover) and the premium actually went up!…
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Travel Insurance Claim - payout less than invoice claim
Hi there A few weeks ago, we were abroad and our baby developed chicken pox. That meant we couldn’t fly home when planned, and had an additional 5 days in country, + extra flights. Spoke the insurance company who were fine, and said to pay for everything and they will refund. Everything was uploaded whilst in country. This…
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Justification excuses for increased premium
The advice with insurance is to: Not auto renew. Shop around. Haggle. When I received my the renewal quote that I got from my insurers, Direct Line, for Landlord insurance was £201. A 21% increase in the previous years premium of £166, I swung into action. So I shopped around (all the usual sites) and everywhere I looked…
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Life Insurance - Trust
I have a question about trust funds. I have a life insurance policy which I have in trust (Gift Trust) and I wanted to ask if there are any tax actions I need to take or my trustees need to take at this stage. My initial understanding was that the policy is in trust - so no longer mine as such - so I have no tax…
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Subsidence: watch out for CUE, if ABI Domestic Subsidence Claims Agreement is invoked
Some theory first: The Claims and Underwriting Exchange normally has a record of any claims, such as motor and home. It has details of the Claim and also its cost. Many Insurers will refer to this, to make sure you have not evaded reporting a previous claim, when you take out a new policy. The ABI Domestic Subsidence…
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Insurance company got back with additional payout nearly 6 yrs after write-off. Is this for real?
My elderly Mum pranged her car 6 yrs ago & it was written off. She had a payout, kept the car, having it repaired and moved on. 6 years later she's received a letter & cheque saying she's owed more money from the insurance company - who she's still with (Direct Line). She's suspicious and hasn't banked it yet. The letter…
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REFUNDS PAID BY CHEQUE - A CUNNING PLOY?
I received a letter from my home insurer, Privilege, the other day telling me how sorry they were to have overcharged me for insurance. I needn't have gotten excited - the amount was £3.34 - but better in my pocket than theirs, right? I read further to find that the refund will be paid by CHEQUE! Now, my nearest bank is…
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House insurance after probate but before sale?
Hi Probate has been granted on my mum's estate. I notified the house insurers of the death and they kept the policy running. The policy has now expired, but because the land registry is still under my mums name and probate has been granted, they won't renew the policy. I've looked online and there seems to be insurance…
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Life Insurance vs Savings Plan
Hi all. Just looking for some advice. My husband and I are on a low joint income as I work part time whilst caring for him (he receives benefits). We are both 50 this year. We have both lost our parents quite recently and are feeling like we need to make sure each of us is ok should the worst happen. I am in good health,…
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HP car finance settlement figure higher than amount borrowed after 12 months of payments
Hi. This seems like I have had the interest from loaded onto my hp agreement. I thought this was illegal in the uk now. After paying off 12 months in payments I asked for a settlement and the settlement figure I have been given is higher than the amount I borrowed from the finance company. Any advice greatly appreciated.
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What actually counts as "commuting" for car insurance?
I live in rural north Wales and work from home full time. Very rarely, max twice a year, I may travel to our head office in Birmingham. If so, I drive to Shrewsbury and take a train the rest of the way. Does that mean that twice a year I actually am commuting by car, or does it need to be more regular than that? My policy…
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Car written off, not collected by insurance and set on fire
Hi, i have a situation that is won't end up without ton of issues. Now the story: Back in march i had an accident with another car. It was the other party's fault and they reported it to their insurance company. I then received a call from the TP insurer and asked to continue with them, i said that it is fine. Their…
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Car Damage to Garden Wall
Hi All, I have searched this forum but cannot find any threads that cover my situation. Brief background, runaway car hits garden wall as handbrake not engaged. Driver admits liabilty, ins. co. contacted and admit liability. Didn't go through house insurance (I know !). Turns out the bricks used to build the wall were…
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What happens if my tree kills one of the neighbors?
Hi, I think I got your attention with the title :D .I was browsing online but I couldn't find this specific scenario, what happens if a fallen tree from my land causes damages to a person, or even a dog? Essentially, what insurance should I get to cover such scenarios? How would the law approach the case? I know it's an…
