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How to answer insurance form question about wall cracks.
Hi all.When filling in a form for a quote or renewal for home insurance, the following question is asked."Are there any significant cracks in the outside walls of your home?"The following guidance is provided for the question."You only need to tell us about cracks that have affected the main structure of your walls. Please…
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Knee ligament injury - what do I need to tell the travel insurer?
Hello. My son has recently ruptured his cruciate ligament. He is due to go on a world trip early next month and the physio who saw him said this should be ok from his perspective and wait for the operation when he returns home in about 7 months if the surgeon thinks he needs one. He has an appointment with the specialist 2…
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Motor insurance - putting another driver on works for older drivers too!
I know Martin advises young drivers to put an older person such as a parent with a good driving record on their policy as an additional driver as this could make it a bit cheaper. We discovered by accident that it works the other way too - my husband an I are both in our late 60s with long,clean driving records, and our 40…
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NON Medical Holiday Insurance
I know this will be a niche market but I'm looking for Holiday Insurance that DOES NOT cover Medical Insurance. As a Diving Instructor I purchase medical insurance through Divers Alert Network which provides me and the family with specialist Diving and non Diving Medical Insurance. I therefore need cover for all other…
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Swinton withdraws Lifestyle Excess Cover - are there any alternatives?
Swinton have stopped selling Lifestyle Excess Cover, a product that provided cover for excesses paid against motor, home, travel and pet insurance policies. I've been covered for a couple of years, but sadly have been unable to renew as Swinton have now withdrawn the product. I've been able to find plenty of examples of…
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Why isnt this covered please? re: house insurance
Hi All I have an Edwardian semi detached. To seperate the houses, is a pane of stained glass - small squares that make up a divider between the houses... if that makes sense! My daughter had a few friends over, a kid turns up that was trouble - he started a fight with my son and then left. He then threw a beer bottle at…
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Private Health Insurance Deals and Tips
As neither my or my wifes employer have health care schemes, i have private health cover for my family of 4 with Axa. Every year, even without claims, they bump up the price and i call them and bargain them down. None of us have any health issues. I have the excess set up to the max of £500 to bring the premium down but…
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Home insurance claim
I hope I’m in the right place. I just need some help from those of you who are more experienced than me in dealing with insurance claims. I arrived home last Sunday after being away on holiday for three weeks to find my living room, the bedroom above it, and the cupboard in the loft conversion (where the boiler is) all…
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Outbuildings, covered as standard?
My newly purchased property is a large detached Victorian house, separately in the garden there is a timber cabin which is fully fitted out with electricity, water and heating, bathroom & kitchen, essentially a 1-bedroom wooden bungalow. Full planning permission, council regs approval. It even has a separate electrical…
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Home Insurance for a house with Air B&B
We live in a house with an annex which is attached to the house but has its own separate entrance. We have started to use the annex for Air B&B a year ago. Last year I contacted nearly all of the common reputable insurance companies for home insurance for such a house ( with annex used as an Air B&B) but most of them said…
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Car insurance through roof
I'll try and keep this brief. My wife and I have insurance for a single car, but unfortunately she clipped a parked car whilst parking and did approximately £600 worth of damage to the other car. None of any note to ours. As we had never claimed before, we decided to go through our insurance. When the renewal came, our no…
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Pet Insurance
I have lifetime insurance with Admiral that they claim renews every year, that we have had for our dog since we brought him home. He had an accident and now needs surgery on his back legs, after looking to review our policy to make sure we are covered, our policy was canceled in October without any communication to us via…
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Car Breakdown Recovery - Emergency Assist
Just wanted to hopefully enable others to avoid making the expensive mistake I made in using Emergency Assist as my vehicle breakdown/recovery service. I had the unfortunate incident of hitting a pot-hole last week, and when I called Emergency Assist to ask for recovery and to be taken to a local tyre replacement facility,…
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Refused insurance claim due to wear and tear / age (a ceiling has fallen down!)
Looking for advice please. Part of the ceiling in my 1910s built flat has fallen down. It's the original lathe and plaster ceiling. Insurance Company are refusing to cover the repair saying 'wear and tear' is not covered, neither are repairs due to 'age'. I can't figure out how a ceiling can be susceptible to 'wear and…
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Do I need to inform my insurance of building work being undertaken
Do I need to Inform my insurance company about building work being undertaken?
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Travel Insurance - Awaiting Tests
I am wondering if anyone could give me some guidance? I have had an annual worldwide travel policy (Staysure) that has been in place over the past five years, renewing around the 15th May. Whenever there has been a diagnosis, I have duly done the responsible thing and informed, and updated the policy to reflect. I feel…
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Two vehicles / two policies
I have my own car policy with no named drivers and I am the administrator on a separate policy for my husband’s van (different insurer), for which there is currently a claim going through for a minor accident for one of the named drivers. Do I need to declare this for my car policy renewal? Could it affect my car policy…
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Illness close to boarding
Hi, We were just about 40 min from boarding when my younger son started to be sick. He had been a bit unwell during the morning but we thought it was that he was tired and hungry. We had a bite to eat at the airport and that seemed to settle his stomach however just before we were due to go to departure gate we had to rush…
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Direct cremation
Considering some type of payment scheme for direct cremation. Am I best talking to an online company or local funeral directors? Tia
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Insurance Company took payment even though not with them?
Hi so I checked my bank account and found a payment of £266 taken from my account by Quote me Happy, Im not with them & havent been with them for a few years, I contacted them & they confirmed I have no active Policies with them, they will have to raise as a complaint & investigate, I contacted my Bank & they said as its…
