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What is the point of Insurance these days?
What is the point of getting any type of insurance when the Insurers will not cover you, or quote an astronomical price for basic cover. For example, * I can't get Travel Insurance outside of Europe if I declare the fact that I have been treated for High Blood Pressure. (Even the fact that you have seen a doctor goes…
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Home insurance renewal
I've just renewed my home insurance with Halifax for the third year at a good premium. When I took the original policy out with them in April 2022 I correctly declared a previous building insurance claim in November 2019 that we made to Saga our insurer at the time. This was shown on our Halifax policy schedules for the…
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Home insurance claim for flood - don't know what to expect
My parents had a leak from their attic two weeks ago. It has caused damage throughout the house. A claim was put in on the day after the leak. Currently involved are: 1. insurance company 2. another company to manage the buildings claim 3. a building contractor who has been hired by the above number 2 4. a company to…
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car Insurance for two vehicles
I have an 52 reg car which has been well looked after and I am loath to sell it. I want to buy a Hybrid car a smaller one to use on a more regular basis. Is there an insurance company that would insure them both on the same policy? I would like to keep my NCD for both. Or can I get an insurance on a car over 20 years old…
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Car Insurance Question
We have/had a 10yr old Audi A3. My wife had a
prang in it at a busy roundabout. Although the damage wasn’t extensive, the
insurers said that repair would be non-economic and so offered a write-off
value which was accepted. The fault was almost certainly the other driver’s, by
cutting across lanes, but given the busy-ness…
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Car Insurance Claim
Last year someone hit me and so I put a claim in with my insurance, the company were terrible so I asked the claim to be closed as I was cancelling the insurance with them anyway. Nothing came out of the claim as it was closed. When looking for a renewal quote now, do I have to declare this as a claim or as it was closed…
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Protected no claims?
Hi, I usually tick the protected no claims box on car insurance but I just realised that it may be unnecessary?. I end up changing insurers on all our policies every year anyway as other insurers are always vastly cheaper than the renewals offered us. Therefore the protected no claims becomes of no use because its specific…
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Travel insurance via Travel Supermarket
Last July, we bought a couples annual travel insurance policy by getting quotes from Travel Supermarket. We chose a policy with Admiral, went through to the Admiral website and purchased the policy. Yesterday, I called Admiral to let them know that my husband has a (small) newly diagnosed medical condition - our document…
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Compare the Market Car Giving Insurance companies Inaccurate details.....
My daughter is 18, and has been driving for 10 months on Marmalade insurance with no issue. She has got a job as a carer while she is taking a year out from her studies, and since she will travel to multiple sites, will require business insurance. Marmalade do not offer this, so I will let that policy run out, and I went…
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Lifetime pet insurance is being cancelled at renewal
We have had a letter to say our pet insurance is being cancelled despite taking out lifetime cover. The letter states that the underwriter is no longer providing the cover which is why the policy is being cancelled. Where do we stand with this as now we will be stuck getting a new policy that will cover pre-existing…
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Rib injury will travel insurance cover cancellation?
I had an accident a few days ago which resulted in a very painful rib injury. My doctor didn't send me to a&e as he said they don't do anything for rib injuries, and that the rib was likely to be bruised or some severe soft tissue injury has been caused. Six days later it's no better and I'm in great pain and limited in…
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Subsidence claim and insurance
Hello. I hope someone can help as this has been so stressful and I feel I’m getting nowhere. In 2022 after the hot dry summer there were cracks in the building at the back of my house - bit like a conservatory and downstairs toilet. They were filled and decorated but happened again so I claimed through my insurance. The…
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home insurance settlement offer question
Hello Having never claimed on insurance before I am a little confused, so apologies. I am with more than insurance and it is to replace a water damaged floor. I have been offered a settlement offer. That is lower than one quote and more than another quote. I am unable to pay for the deficit on the first quote. But what…
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Indemnity for lost share cert worth over 100k.
Hi, we have had probate granted on my uncles estate and part of that are shares held worth in excess of 140k. We cannot find the share certificate and my solicitor is being asked to obtain an indemnity with a countersignature. Due to the large value of shares we are finding this difficult, has anyone had this issue and if…
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Building Insurance scam
My freeholder has taken out building insurance as per terms of lease. I must contribute to the policy. However he has given misinformation in the policy which is still being disputed but I have paid approx £450 for 7 months of the annual premium. He claims in the policy the building is in good repair and watertight. It…
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Extra car headrest: Do I have to declare this safety mod?
My Vauxhall Astra J DY15UUP was purchased used in 2018. I realised after
purchase that with the standard cloth upholstery there is a seatbelt
but no headrest provided for the rear centre (5th) passenger, which
seems pretty dangerous but was legal at the time. I was very concerned
about this and research revealed that the…
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Any idea how to check if a builder's public liability insurance is real?
It's extremely important to know for my situation, thanks.
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Lease Car Insurance
Just about to take on a leased car for the first time. Struggling to find a company that will insure me because car is in the name of the lease company/registered holder rather than me (no other issues). Does anyone have experience with this and/or know any companies I could try ?
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Liability question
Hello all, I'm seeking advice about a situation I find myself in & I'm not certain this is exactly the right place to look. Recently an individual from my neighbourhood has been walking their dog on a private lane where my house is situated. The lane in question is a no through route with no public byways or rights of way…
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Double income protection
Hi, let's say that I have 2 income protection, one covers specific things, the other is more general, but regardless, can I have more than one income protection and then decide where to apply in case of a claim? Or do I need to claim both by the law and then eventually they split the payment??
