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Whole of Life Policy: great deal or late-life burden?
Thirty years ago we took out a Whole of Life policy in trust for our daughter, to cover any inheritance tax liability. It was a good deal, paying out £100,000 on second death for a premium of £28 a month. Now our provider has begun to signal increased premiums and reduced
benefits at the next review, around when we turn…
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Travel insurance via packaged account - good idea?
Hello, Planning a holiday in the US and looked for travel insurance to cover family (medical mostly but also the other 'usual' stuff, but the other things are not as important for me). After getting some online quotes I am now looking at a Chubb underwritten one. I then considered buying a packaged account for a year as…
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Animal Friends Pet Insurance
I took out Pet insurance for my Yorkie dog last year with Animal Friends, as it covered pre-existing conditions if pet didn't have any treatment within the last 24 months, as my 11 year old Yorkie dog had a leg operation in 2020 and the insurance company i was with before was charging higher and higher premiums each year…
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St Andrews Group Plc - ASU policy
I took out an accident/sickness/unemployment policy in early 2000's - I have zero paperwork apart from a direct debt reference (DD is taken out monthly by St Andrews Group Plc). I've lived at the same address and they have never sent me any documentation - I have contacted Scottish Widows who I thought have taken the…
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Travel Insurance - death or serious illness of relative.
Anybody know which insurance companies DO NOT exclude death or serious illness of a relative as a cause for claim. Problem is I'm not a youngster - so both my father and father-in-law are elderly. Both have previously had heart attacks - so I'm guessing I wont get cover for the case where they fall ill or worse. Thanks all
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Where to find average Home insurance costs for the last 20 years
Hi all, my mum and step father split up some 20 years ago and he is now after his share of equity from their home. My mum's solicitor has said they can reduce what he is owed by deducting the mortgage payments he hasn't paid and also the home insurance cost. However we only have insurance cost back to 2016. Is there an…
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Travel insurance while awaiting heart rate monitoring
Hi all I went to the docs recently about a pain in the side of my chest which I get from time time and it coinciding with a 24hr period of very high stress levels picked up by my fitness watch. The Doc thought it was likely an infection and lo and behold a few days later I discovered my son had chicken pox so it may have…
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Help! Claim refused after flooding
Hi Really hoping someone may be kind enough to provide me with some advice. We live in a 150-ish year old stone cottage (semi). The rear wall is of stone construction (with no door, only windows) and there is a very narrow passageway, approx 2.5ft wide, before a retaining dry stone wall. This passageway has a concreted…
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Travel insurance - Dad in hospital
Checking the wording it says that if a relative is seriously ill. Dad has been in hospital for 6 weeks now. Stable but he is 89. Im supposed to be going on holidays in 7 days. Obviously, I'd rather not. Not phoned the insurance people yet but I've got a feeling they'll say:- 1. Hes not seriously ill if hes stable and been…
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Rented room only - contents insurance
Have recently moved into a house share and looking for room only contents insurance. Have been told by most insurance companies that if ie the person who lives in room number 4 or their guest decides to kick my door in and steal from me then I will not be covered. But if Joe Bloggs walking down the street decides to kick…
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Ticket Insurance
I have 2 tickets booked for a gig tomorrow - my wife had to have an op on both eyes on Monday & will probably be not fit enough to go (eye issue was diagnosed after we bought the tickets in Oct We had taken out insurance through Ticketplan who handily only man their phones until 12.30!! So likely hood of insurance being…
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Home insurance for a home that is in a trust
My grandchildren’s home is in a trust for them as they have tragically lost both of their parents. I am finding it difficult to find a reasonable home insurance because of this. The broker is charging over a hundred pounds extra in the renewal £412.66. I would be most grateful if anyone could help. If it wasn’t in a trust…
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whole attic write off
our whole attic is an insurance write off thanks to a recent incident in our home. we have been asked to provide a list of the contents of our attic so that they can pay out. where do I begin? I do not have receipts for everything in the attic and I cannot remember everything we have.
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Motor insurance - the cost of commuting use post-pandemic
I currently have commuting use on my car insurance policy and assume this impacts my premium (although it isn't visible in my premium breakdown). Pre-pandemic this made sense, I commuted approx. 100 miles a day, 5 days a week. Post-pandemic, I now work from home 4 or 5 days a week so my commute has been reduced by at least…
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Claims and Underwriting Exchange (CUE) database. Can they change a notification?
This is a case regarding a car insurance new policy application. Not mentioning any names or makes to avoid litigation for misrepresentation, I am in the final stage of purchasing my daughter's car at the trade price she was offered against a new model. She took exceptional care of the car for 3 years and kept it in…
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About to pay off morgage with life assurance policy
Hi All, I've been over paying my mortgage, to the point I have 1 payment left (Will be mortgage free next month). Now, I have a phoenix life, decreasing assurance policy, which apparently is still valid until 12/1/26 What are my options/peoples advice? Do I keep this going? can I change this to a different policy? I'm 47 &…
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Home insurance (non-claim) scandal!
I recently had a renewal notification from Hastings Direct more than doubling my premium and stating in my email that 'During the past year a claim was made on your policy, which may have affected your renewal price.' This was not the case and when I rang them up to complain I was told that because I had telephoned them…
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'Life of Another' insurance versus putting life insurance into trust
Hello, I have just taken out life insurance and was considering putting it into trust so that it is paid out 'immediately' on death - having heard of probate delays etc. My consideration is that the full sum insured is not needed if my wife predeceases me so if that happens I would like to cancel that policy and take…
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Hill Samuel Life Assurance
Hi I am trying to find out who own Hill Samuel Life Assurance. please could anyone help with this Thank you RP1602
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Pet insurance - do you always need a preauthorisation for large costs?
I have lifetime pet insurance. My 1 year old dog is under investigation for joint problems and likely needs surgery. The total cost will be in the thousands (£8-10k) but the vets do not know exactly what type of surgery is required yet. So far I have spent £1k on x rays and vet appointments. Her symptoms started after our…
