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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…
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Can my neighbour sue his neighbour for insurance excess caused by negligence.
A mutual neighbour (Mr A) lit a fire in a bin in the garden on a windy day last week and walked away. The result was 2 fire engines, next door neighbours (Mrs B) shed written off including myriad contents, another neighbours (Mr C) summer house substantial damage and some trees set on fire. All neighbours claiming on their…
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Can current car insurance provider blacklist my car reg from price comparision site?
my car insurance is up for renewal in 24 days. Yesterday I used the MSE price comparision tool and then tried a few other price comparision sites via topcashback to make sure. I also contacted my current insurers, who happened to be the cheapest on the comparison sites, as the sites were showing cheaper than the renewal…
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Saga home insurance renewal problem
My elderly mother is having trouble with Saga home insurance. It all started when she suddenly discovered a huge amount of money leaving her bank account at the beginning of last month. She doesn't get a full pension, so she keeps a close eye on every penny. This was quite a shock for her but her bank was able to stop the…
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Insurance - how can I be covered?
Hi all, We moved out of our address in Scotland last week. Our address was covered by home and contents insurance and still is whilst I sort out changes of address. However, 2 days after the new owners moved in, they ran the bath. When they pulled the plug out it leaked and came through the kitchen ceiling. We aren’t…
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Help please for my mum
Just found out my mum and dad have been paying £121 a month on life insurance and have now paid around £20k in on a policy that will pay out £12k on the death of the first one of them. My dad is now in a care home and my mum is on her own and struggling to find the money each month. The company is legal and General and…
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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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Notice of Intended Prosecution just before renewal
Hi I'm not looking for any sympathy or loop holes to get out of things, but just really not sure on what I have to do. My insurance is up for renewal, I ideally want to renew over the next day or two for optimal price (~20 days before renewal), yesterday I received a "Notice of Intended Prosecution" (NIP) for doing 56 in a…
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No claims bonus transfer from policy holder to named driver
At the moment my husband is the policy holder and i am a named driver. We have 10 years NCB discount. I have been driving the car more recently more than him and when it comes to renewal i feel its right to get the policy in my name and him as the named driver. If we do this would we end up losing the 10 years NCB we've…
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Buildings/contents Insurance
I own a large property which my husband and I bought to redevelop into flats to sell on. He is now out of the picture but I wish to continue living in the house. My problem is that it has nine bedrooms, and online insurers don't touch anything larger than 5 bedrooms. Annoyingly, they let you get all the way through the…
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Urgent Query - A) Building Insurance & B) Vacant Property Insurance
Good afternoon! I am shortly to exchange contracts on the purchase of a house and am therefore quite pressed. The Property will require some significant refurbishment etc, and it is likely I'll not be suitably positioned to move in there perhaps for a matter of months. My Conveyancer suggested taking out both the above…
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When does car insurance pay out?
My lodgers car was written off in an accident 5 weeks ago and valuation and condition agreed within 4 days. She borrowed money from her family to buy another so now she's upset that she still hasn't received payment from her insurance to refund them. How long does it usually take? Also, she has insured her new car with the…
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Annual Travel Insurance (consecutive policies?)
Do annual policies have to be consecutive with no gaps? I have an annual policy that ends on 2nd September 2024. In June 2024 I booked a trip abroad in Jan 2025 and in July 2024 I booked a trip abroad starting on 12th Sept 2024. Both trips were booked whilst having an active travel insurance policy that ended on 2nd Sept…
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Fire at Kitchen
Background - Kids were playing in the front. Wife cooking in the kitchen. when kids were shouting mummy.. wife went out and totally forgot about kitchen. - kitchen caught fire. and myself and wife put down the fire. - however entire house full of smoke, kitchen ceiling full of black smoke. - top cabinets where on fire and…
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Abacus buildings insurance legit?
Hi everyone, Our building insurance has gone up over 25% this year. I've tried to get a cheaper quote and this company 'Abacus insurance' via a broker is considerably cheaper. I've googled them and they look possibly dodgy. Can anyone advise? any experience etc? If not i'll probably just go with my old company I think. TIA
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Personal Injury claim.
My wife had an accident in June 2023 which resulted in a longish hospital stay. Once she was back home we contacted the legal assistance department of our home insurance in late July 2023. Despite completing all the required forms, progress has been glacially slow, to the extent that witness statements have only just been…
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Life insurance and IHT
I want to setup life insurance in trust. Need to cover a IHT bill on my property for my children to pay iht. I'm 47, the policy will be for 250k. What I want to know is which trust is best, absolute, discretionary or something else. Also do I have to worry about the 10 year periodic charge, if so how do we avoid this to…
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Wanting to pay for repairs rather than go through the insurance
Yesterday my husband accidently scraped our car on a post whilst letting someone out of a car park on a small industrial estate. The damage to our car was minimal but the post he hit, was knocked out. He went into the shop and they took all his details. Today they phoned asking for his insurance details. We would like to…
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Building Insurance through shared ownership party
Hi there, I own a shared ownership property of which i own 25% of the house, the rest i pay rent. Building insurance is done through the housing Association who I pay the rent to. Each year the price of this goes up and up and this time we've been told to pay over a grand for the year. When i personally do a separate…
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Home insurance question?
Hi all,..just had my renewal from Aviva, and they seem to want to charge me an extra 33% this year??...just wondering what other people are finding. I am aware that motor insurance had gone up, (but not so much this year). ..needles to say I will be having a discussion with them on Monday, (and I have been on the compare…
