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Granddad Rights
I have been looking at trying to get to work another way to
reduce the amount of fuel I am using on a monthly basis, which is around £180
to £200 a month. I have been looking at a Bike of some
description and found the Yamaha Tricity 300 which is a three wheeled Trike and
can be ridden on a car licence, and does not…
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Personal car insurance for bus drivers with recent claims at work
I'm trying to renew our car insurance but my spouse has had at multiple at fault minor accidents at work, driving a bus. Given these were in his first year as a bus driver, and the accidents were all related to its length and in the bus, it seems unfair for our premium to double. Unsure if I need to declare his incidents,…
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Allianz motor renewal
I got an email from Allianz to say they'd forward a renewal quote for my (formerly LV/Flow) car insurance. A week or so went by and there was no follow up email and no new quote in my account. I sent an email querying this and after automated replies I got another email to say they were working on it. In the meantime, the…
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Life Insurance - Linked to Mortgage and Stand Alone
This is more of a question. When my first child was born I decided it was time to get life insurance. The type I have would provide a payout to my (soon to be) wife and children should I die, but also provide an income should I be so ill that I was unable to work. A couple of years later after we were married, my wife…
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Renew car insurance with an open claim
Good afternoon, in September I had an accident. Pretty straightforward, I hit a car in front of me in a stop and go at the traffic lights. My insurance expires at the end of May, so I phoned my insurance to renew the policy and I found out that the premium is more than doubled because the claim is still open as the other…
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My life insurance policy DD is paid from my wife’s bank account.
Many years ago when I had debt problems to make sure the payment for my life insurance was paid, we set it up through my partners’s bank account. The insurance company didn’t object, but now I’m thinking would there be a problem for my partner if anything happened to me? It isn’t a big policy, just over thinking, they are…
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Insurance when you don’t own the property
Hello all, I’ve recently taken POA for my Nan who has been diagnosed with dementia. I’m trying to work out what type of home insurance would suit her needs. She currently lives alone in a property, which used to be owned by her, but now does not rent or own the property as it is currently owned by several family members…
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Home Insurance Renewal Declined
I am currently insured with LV for my home insurance but have received a letter saying they are no longer able to insure my property (I have not made any claims!). I asked why and they refused to say as the change was made by their underwriters. They said it is nothing to do with me or my property!! I then went to look at…
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Car insurance mistake led to void contract
Hi, I have bought car insurance last september through comparison website. This time I dicided to put my partner on it too. She had provisional driving licence at the time. All was well untill last week when she has finally got her full UK licence and I rang my insurer say that she has new document. To my surprise I was…
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Does insurance repair/redecoration apply to the whole room or only the affected area?
I’m asking about a house that has been damaged by escape of water. If a room has a ceiling that is 50% wet/damaged and two walls (out of four) that are wet/damaged, is the damaged area repaired or the entire room? Can the insurance do a patch job repair? Existing ceiling is popcorn, which they say they can’t do, they can…
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Buildings Sum Insured
Trying to understand the actual sum insured for buildings insurance, between the stated "rebuild cost" you enter in and the max buildings cover in a policy. For example I'm going via CompareTheMarket which uses SimplyBusiness and requested a quote for buildings including accidental damage, no contents, 250k rebuild cost.…
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Buildings insurance claim rejected. Bit shocked
We have tried to make a buildings insurance claim and it has been rejected and it feels wrong. It says on policy they cover escape of water from aparatus, pipe etc… we have had a fridge freezer leak and cause subfloor damage over the last week while on holiday. We deemed to broke and replaced it, we wouldnt risk carrying…
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Specific home insurance query
Hi all, I'm hoping you can advise on a specific home insurance scenario. Home is owned by me however is lived in by my mum but no rent is paid. Its what I believe is called a gift with reservation from my mum to me. However when its comes to insuring the house for buildings cover it always tricky explaining this to new…
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Professional indemnity insurance for freelancers - 6 years?
I am reviewing a contract where I would be a creative freelancer for an agency. The agency would then take on client jobs. The contract states I need to have professional indemnity insurance for 6 years after any project has completed. I know 6 years is standard where a company closes (e.g. they need protection for at…
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Empty property home insurance
About to purchase a property which will be empty and unoccupied until we sell our current home. Any recommendations for brokers or home insurance companies that insure this type of situation would be appreciated.
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MSE Car Insurance compare+ tool
Having spent 10 mins filling in the compare+ tool to reduce my car insurance premiums, you can imagine my glee when the best quote it could come up with (changing absolutely no details to last year), was £87.07 MORE than my renewal quote from my current provider. Well done MSE!!!
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Hassle cancelling
V high renewal quote from one call. Their actual service was excelkent. But i found a much cheaper offer. Went on line to cancel. Filled in, reluctantly, all info about new offer, then no option to cancel without chat to real person who was stuck in lengthy script and had to seek permission to cut it short and even then…
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New home policy - declare rejected claim?
Can't word my question correctly for SEO so hopefully someone here can tell me: we attempted to claim on our home insurance for a burst mains water pipe at the beginning of 2024 but as it was wear and tear, the claim was rejected. Our insurance is now up for renewal and we're getting quotes - does the act of attempting a…
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Building structure
Trying to sort out home insurance for a property we are buying. The external walls are approximately 60% timber frame with rendered cement board. The first floor of which is cladded in zinc. The other 50% is stone. With no cladding. Do I need a broker to get the best deal? On price comparison sites the nearest options seem…
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Insurance or something to hedge against forced obsolescence
Hi I wonder if this might be a fantasy but are there any insurance products or anything that would insure gadgets as they age? We've had a number of iPhones, tablets develop issues after a few years and Apple refuse to repair them - they're classed as 'vintage', which brings to mind those hand painted ads for Coke etc,…
