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Home insurance claim following a leak
Hi All, Recently had leak from the bathroom when the flush pipe on the toilet failed. Just looking for some guidance on the home insurance claim now as it's my first time making any claim of this sort. Basicaly, the insurance sent out a loss adjuster to survey the damage and he produced quite a comprehensive report…
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Minor damage to car bumper
I have some minor damage to my car bumper. My car insurance policy has a protected no claims discount (15 years) and £0 excess. Therefore I am thinking about making a claim. I guess I should see how much t costs to repair and then do some price comparison searches with and without the claim and see if the difference is…
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High rise in home insurance cost
Ive received my renewal quote from my home insurer and it has gone up by 43% in just 1 year. How can they justify such huge increases when the risk hasnt changed? Can anyone suggest an insurance company that charges reasonable costs? Sadly when I used a comparison website the quotes were either roughly the same or even…
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Subsidence & Insurance Claim/Repair Questions
Hi, We live in a cottage and have experience subsidence after the super hot summer a couple of years ago, this was due to a tree in the garden - which the insurance company arranged to have removed. We are now at the stage of getting quotations, for which I sent them through and they've queried the amount as it's 3 x times…
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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!!!
