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Car valuation
I'm confused - my car was hit by a drunk driver and written off by my insurance company with a valuation that we negotiated. It became a Cat N car we bought it back, repaired it, re-mot'd it and it was back on the road. We were unlucky enough to be hit from the rear by a driver who admitted liability, our car again was…
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Claim for Gatepost and Gate Damage Caused by Amazon Prime Driver on Home Insurance or Amazon's?
A couple of days before Christmas, an Amazon Prime delivery driver crashed his large van into my solid sandstone gatepost, splitting it and also damaging the timber and wrought iron gate beyond repair. The weight of the sandstone gatepost alone is around 900 kg (small car) and it is balanced very precariously, despite…
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Does this bay window count as flat roof for insurance purposes?
When I first bought my house I declared the house as not having a flat roof, which I thought at that time to be the correct answer. However, now that it's time to renew the policy I have done some research online and I'm confused as to whether I should declare my house as having a flat roof. The main roof is obviously not…
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Home insurance with high unspecified item
Not normally asking questions here but it's been a while since I looked at the Home insurance market. So, anyone know of insurers with high (£4k+) unspecified item limit including Personal Possessions? M&S is good at £15k, Hiscox likewise, NFU fail because PP is £2k.
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Pet sitter - covered by home insurance?
Hi, We booked a holiday months ago for early July and had a vetted sitter arranged through trustedhousesitters.com. That site provides specific insurance. Unfortunately due to family circumstances they've had to pull out last minute. We're looking for others on the site but time is very short now. Through a facebook group…
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carpenters solicitors......... verdict?
i'm going through a claim at the moment via tesco, who uses carpenters solicitors. i got a call from carpenters today saying that basically they aren't pursuing my case as 3rd party has an independent witness (which isn't independent, and didn't witness anything anyway, but i'm struggling to prove) and that an independent…
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Home insurance missed something is it important?
Just bought home insurance via gocompare / policyexpert, but when I looked at the policy after buying it I see it says central heating with hot water tank. But it's not it's a combi boiler. I obviously missed this tick box in the policyexpert part as it only asked if I had central heating in the gocompare questions. Should…
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Young person's motor insurance claims
Interested to hear anyone's informed views on the following... there are two parts... Part 1: In March, in his first year of driving his own car, my 18 year old son had an 'at fault' accident in which his car skidded off the road. No other vehicles involved. No injuries etc. The car was worth approx £6.5k and he was fully…
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Building Insurance - malicious acts
The expected 20% try-it-on auto-renewal price increase so I thought I'd take a look and try and understand what I am exactly insured for and contact the insurance company using the online chat service. Building insurance only. I ask the question what exactly what is meant meant by the term malicious acts and to be more…
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Liability question re traffic calming on private road
Hi, We recently bought a house on a private road which is sometimes used as a rat run, so the issue of vehicles speeding and attendant road safety concerns is a hot topic amongst residents. According to our deeds we own the verge in front of our house as well as the stretch of road in front of it, out to the centre. There…
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Worth buying cheap car to keep NCD?
I’m a company car driver… I have a letter from Admiral that I could use to maintain my multiyear protected NCD that expires in a month. This dates from the time I cancelled my personal policy almost 3 years ago. I’ve not had any notifiable incidents while driving my company car. I also have multiple years of protected NCD…
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The term "settlement"
My policy allows me to get in professionals to assess the repair. I'm being asked to sign a mandate for payment which refers to being paid a sum of money in settlement for the specification for the repairs. I have been told by the loss adjuster this is not a final settlement for the issue. But the way I read it, is that it…
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Renewal quotes
So insurance is up for renewal I’ve always been lazy and just let it renew with current insurer (I know terrible) insurances ends 20th of July lowest I’ve got it is for £390 currently paying £589 a year so hopefully being a bit more proactive to try and save some money but random question why is it if I go to insure it for…
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House Insurance, big rises for last two years, just me?
I usually use topcashback compare and Quidco compare to get some really great prices for my house and contents insurance. I have lived in the same property for over 12 years now, so general price rises aside, nothing else has changed. Last year my usual topcashback/Quidco compare quotes were rather high and a lot higher…
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Cycling accident claim
I am the sponsor of a Ukrainian refugee in the Homes for Ukraine scheme. She and her bicycle were hit by a delivery van driver who immediately admitted liability. His insurer NIG have paid for the repair of the damaged bicycle but as for compensation for time of work etc have supplied us with incorrect information as…
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Home insurance with business cover for online seller Ebay / Amazon
Just running this by anyone who might know if I'm missing something. I use my home address as my business address for Tax / Ebay /Amazon but if I don't actually do the physical work there or hold stock there am I right in thinking I can just add 'clerical business use' to my home insurance? to ensure I'm not voiding my…
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Travel insurance while waiting for hospital appointment
Hi all, currently waiting on a ln appointment to get a 24hr heart rate monitor fitted but seen a last minute holiday. Having looking at travel insurance and spoke to a few providers it seems it's problematic to get cover due to undiagnosed condition. Looking for any advice on this, I've seen stay sure mentioned elsewhere,…
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Ridiculous car insurance premium increase by Bank of Scotland
I am the named driver on my wife's car insurance with Bank of Scotland. I recently received the paperwork from them and noticed an error in that it said I did not have the use of another car. I do have my own car insured with AA so I contacted BOS to inform them of the error, I hoped that my wife's premium would be…
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Insurer not investigating claim
On 20th June 2022, a taxi drove into my cars open door in the gatwick airport drop off zone. There are plenty of cameras there so I immediately informed my insurer and followed the proper procedure. Several weeks later admiral asked if I wanted them to request the footage, this was the first red flag I can remember. I had…
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Insurance for learner drivers
Looking at getting a car for my daughter as she is learning to drive. How is the best way to go about getting insurance? We want to be on the insurance so that we can drive it to/from work, college etc so she can drive in other direction. If she buys a policy with us as named drivers and her on a provisional what happens…
