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House insurance - empty property, outstanding claim
I have a really tricky situation. My mum died in August. I am the executor and sole beneficiary of her will. She has a house. Insured with AA. In December a pipe burst, lots of damage, claim currently with the AA. Being sorted - but won't be quick because of what needs doing. Insurance has now run out. AA won't renew…
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Private Health Insurance (Vaccination Cover)
Is anyone aware of any private medical insurance that covers preventative treatments, such as vaccinations you are no longer entitled to free on the NHS. Privately vaccines can be upwards of £400 and I have read the T&Cs of the major health insurance providers and they all seem to explicitly exclude this or not mention it…
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Extension of gap insurance with ALA
Hello, I'm currently in my 3rd year of leasing a Ford Focus ST Line and would have been due to return the car in early December but have, for reasons financial too complicated to go into, agreed to extend the lease until the end of August next year. I'm happy with the deal offered by the finance Company and have made…
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Cancelled Car Insurance Problems
Hi. In 2019 my car insurance cover was cancelled by my car insurance company as I had not told them I had CCJ's in my name. At the time I actually didn't know I had these CCJ's, they were the result of a tenant renting my property. I have since managed to have these CCJ's removed as I was able to prove that I was not…
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Urgent Assistance Needed: Utility Warehouse Denies Claim Despite Engineer's Report
Hello Community, I hope this message finds you well. I am reaching out to seek advice and assistance regarding a recent issue I've encountered with Utility Warehouse and a homecover insurance claim. Background:
I reported a leak issue in my home to Utility Warehouse, and they requested an upfront policy excess payment of…
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Travel insurance - cancelling holiday
Hello Hoping for some advice. I have a holiday booked through BA which is about a fortnight away. I bought and paid for it, travellers names are myself and a friend. My friend's father has now been taken ill and she won't be able to travel, so we will have to cancel. As it was all booked for by me and paid on my card, does…
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Car Insurance
Last year my car insurance was £275 - because I keep reading how much it has gone up, I used the comparison tool that is on the latest newsletter. My insurance isn't due until March next year but I just wanted an idea of how much it might be. The quote I received was for £217 for an annual policy????? So, my question is,…
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New vehicle insurance
Hi, I’m struggling to figure out what to do, and hoping someone can give some advice. Basically I’m buying a new car soon as my current car is on lease and I’ll have to return it end of Feb 2024. I’m currently insured on my lease vehicle with my partner as a named driver. Our plan was that once I bought my new car, my…
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Car Insurance Address
So I have a really annoying address that basically shows up different on everyone’s system. I live in a flat within a house. For some reason the house has two different names in different systems - either Lincombe or Lindhome (idk why). Sometimes systems don’t even show the individual flats, they just list the address as…
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Possible rejection of home insurance claim.
Hi, I hope someone will be able to help me, i recently made a claim on my home insurance for an escape of water which caused a considerable amount of damage to my kitchen. The loss adjuster was sent out and a few days later I received an e-mail saying that it was flagged up during their search that my wife had once entered…
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Group Income Protection Policy with UNUM and Reduction of notional ESA Benefit
I have unfortunately been off work due to mental health issues for over 10 years but I have been fortunate enough to been receiving a portion of my salary by my employer through a Group Income Policy that they held with UNUM at the time when I went off sick. They have always deducted a notional sum equivalent to the ESA…
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New to car insurance confused
Hey I'm in my 30s and I passed my driving test earlier this year, I had been on Motability for over 6 years prior and held a provisional licence up until passing my test earlier this year I've since left the scheme and have gone down the route of getting my own car through finance, I noticed that 95% of insurance companies…
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House insurance from exchange - empty property?
I’m hopefully exchanging soon on a detached property which has been empty for over a year (probate sale.) I know I need buildings insurance from exchange, but I’m at a complete loss as to how to arrange this. All the online quotes I’ve tried need lots of information which I’m not able to provide, as I have no idea of the…
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Cancelled Contents Insurance
Hello. I have had a contents insurance policy cancelled due to non payment. I didn’t get emails as they went to Junk (they are solely online company) and I stupidly didn’t check my bank for the payments going out. Anyway, they won’t reinstate it so that isn’t an option. I am just wondering now, does this cancellation need…
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Car insurance for family visiting from abroad
Help please!!! I have family visiting here in the UK in a couple of months and want to get my father-in-law insured on our car. I've looked at standalone temporary short-term insurance but it's terribly expensive so want to explore getting him added as a named driver on my policy (policy due for renewal shortly, so have…
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Key Person Insurance
I am 68 years old and am a sole trader. I recently broke my ankle and will be out of commission for at least 2 months - the job I do is quite a physical one Fortunately my staff are keeping the business going and I haven't lost income, but I have incurred extra expenses both business related (e.g. extra shifts) and…
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Home insurance in a flat
Hi all. Just want to get my head around insurance when we own (as leaseholder) our flat. We are top floor with roofspace above us. My understanding is any leaks in the roof or from tanks, equipment above us - owned by the freeholders will be covered by the buildings insurance that the freeholder has, or the freeholder, as…
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Relevant Life Policy and Divorce
Hello, I have a Relevant Life Policy for a company where I am the life insured and I am the sole director and employee of the company. The policy is set in a discretionary trust. One of the trustee is my ex with whom I am now divorced. * Can anyone please advise will my ex still be eligible for a payout in the event of my…
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Best Home Emergency and Legal Cover
I am currently with Policy Expert and have their Add-on Home emergency and Legal Cover. I have very bad experience with both covers from them as the policies are worded in the way to ensure the majority of claims are declined. Can anyone recommend either a Home insurance that comes with these add-ons that would provide a…
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Car insurers say car is repairable after crash - I'm unsure
A car smashed into my parked car. The back end is fine, it's the front end that has taken all the damage. The bonnet is crumpled and the car itself now looks wonky when viewed from the front - it looks like the actual frame of the car is damaged. The insurers have seen photos of the damage, and have told me today they…