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Home insurance direct v via broker
My household insurance is due for renewal at the end of the week. The premium is breath taking but reflects the high rebuild cost and listed nature of the building. Two brokers (who specialise in high value property insurance) have tried to find alternative cover but have failed to find another company willing to quote. I…
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Over 80 life insurance
20 years ago, my husband took out a 10-year life policy for £60,000. At the end of the term, the continuing payments of £40+ per month on a new policy assured a sum of £30,000. Nearing the end of the policy and having reached his 80th birthday, our present provider offers a whole life policy, with premiums of £40 pm up to…
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Water damage and rewiring
Currently going through a home insurance claim for escape of water. There has been a great deal of damage, including to the cupboard that contains the fuse box for the house; the ceilings and therefore light fixtures; and the walls which have plug points and sockets on them. The house has had an EICR which states that the…
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Zurich life insurance
We’ve recently lost my FIL who had a whole life plan with Zurich and a guaranteed sum of 20,000. Zurich are now claiming they will only pay out 11,000 to my widowed MIL. We’ve had no explanation despite asking and just keep receiving communication that’s states “our position hasn’t changed” she’s grieving and stressing…
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House Insurance
Has the price sky rocketed this year? End terrace house modest area and belongings, comparison sites quoting £400+ sure it wasn't this much last year!
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House Insurance - 'Flooding' increasing premium
I'm
wondering if anyone is able to help please. I'm currently pricing up quotes for my home insurance and due to previous
'flooding' at the property I own, I'm getting quotes back for three times the
amount I would if the property hadn't experienced this. According to the insurance companies a flood occurred at the…
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Alloy wheels
I'm thinking of having my scuffed alloy wheels refurbished like for like. Do I need to declare this to my car insurance company
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Insurance renewal.,
My 92 year old mum has building insurance from saga. She has a claim for cracks caused by building movement, which the company have agreed, and she is awaiting the work to be completed by their approved company. So the claim is settled, but the work not completed yet. Her insurance renewal is due in September. The annual…
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New build upgrades
Afternoon I'm in the process of buying a new build. We've added about 30k of extras and have to pay a 25% non refundable deposit. I would like to know if there are insurance companies that will cover the deposit cost should the chain fall through. Thanks
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Car insurance - will be cancelled as you havent provided required documents
Hi all, Just wondering if anyone else has had similar issues with the car insurance companies recently? Im sick of (insurance companies in general..but psb) A: waiting on the phone for over an hour at a time to get through to an agent... they presumably dont have enough staff to do the call centre work. (Several of the…
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Claim from a cyclist on the pavement impacting my car…
Hello - I had an incident with a cyclist on what I think was an Electric Bike approximately 9 months ago, which I felt I was not liable for. I initially suspected it was a scam and subsequently reported to the police when I returned home - the cyclist demanded payment for the damage to his bike and requested that I take…
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Home insurance on prospective property
Just had back our local searches and the flood risk for surface water is "signifcant", looking at the map this appears to be 1 tiny little square right at the back of the garden and well clear of the house which has a negligible flood risk. I have run some insurance quotes and nothing look out of the ordinary, is this…
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Cosmetic insurance won’t pay
Hi everyone, I am hoping someone can help me. I went abroad for surgery and need revision. I bought insurance from medical shield and they want a letter from my Dr basically agreeing I need revision. My Drs will not do me one , the insurers say I can use any Dr but how do I go about doing that, I have tried a few private…
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Car insurance letting insurance lapse
My car insurance will expire in a few weeks. As I will not be using my car for a few months I am considering not renewing my insurance until October. I will of course Sorn the car until then. Will I be penalised when I shop for a new car insurance in October for not having a car insurance in place? Will my 10 year no claim…
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Can my neighbour sue his neighbour for insurance excess caused by negligence.
A mutual neighbour (Mr A) lit a fire in a bin in the garden on a windy day last week and walked away. The result was 2 fire engines, next door neighbours (Mrs B) shed written off including myriad contents, another neighbours (Mr C) summer house substantial damage and some trees set on fire. All neighbours claiming on their…
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Can current car insurance provider blacklist my car reg from price comparision site?
my car insurance is up for renewal in 24 days. Yesterday I used the MSE price comparision tool and then tried a few other price comparision sites via topcashback to make sure. I also contacted my current insurers, who happened to be the cheapest on the comparison sites, as the sites were showing cheaper than the renewal…
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Saga home insurance renewal problem
My elderly mother is having trouble with Saga home insurance. It all started when she suddenly discovered a huge amount of money leaving her bank account at the beginning of last month. She doesn't get a full pension, so she keeps a close eye on every penny. This was quite a shock for her but her bank was able to stop the…
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Insurance - how can I be covered?
Hi all, We moved out of our address in Scotland last week. Our address was covered by home and contents insurance and still is whilst I sort out changes of address. However, 2 days after the new owners moved in, they ran the bath. When they pulled the plug out it leaked and came through the kitchen ceiling. We aren’t…
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Help please for my mum
Just found out my mum and dad have been paying £121 a month on life insurance and have now paid around £20k in on a policy that will pay out £12k on the death of the first one of them. My dad is now in a care home and my mum is on her own and struggling to find the money each month. The company is legal and General and…
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Home insurance on prospective property
Just had back our local searches and the flood risk for surface water is "signifcant", looking at the map this appears to be 1 tiny little square right at the back of the garden and well clear of the house which has a negligible flood risk. I have run some insurance quotes and nothing look out of the ordinary, is this…
