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Damage caused to property by subcontractor
Good Morning, A few months ago I had some new windows fitted; during the installation process a brick fell on my toilet and smashed the lid of the cistern. The installer took the broken part away and we arranged a time for him to come back and fix it; however on the day a plumber turned up and replaced the entire cistern.…
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Timescales and inclusions
Hi. I had a motorcycle accident at the end of 2021. Knocked off my bike, at high speed. Driver accepted full responsibility and this has been confirmed to me by the solicitor acting on behalf of my insurance company. My bike was totalled (according to the engineer's report), my leathers were ruined, and I had to replace my…
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No insurance
Hi I am going to court for no insurance. I was stopped by the police in March and I was told I had no insurance because the police officer had spoke to the underwriter and was told as I wasn’t named drive I wasn’t insured. At the time I was working for the company and was going on a work trip for a meeting with a…
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Home insurance - huge difference of renewal over £500 / versus comparison site over £200
My father who always dealt with the Home insurance passed away last year His annual price for our 3-bedroom semi in London was about £325 or so - until we called them (Santander) after a kitchen ceiling collapse (due to the bathroom slowly leaking above it) - which they refused to pay out for, as they said we had been…
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Legal insurance expenses
Hello i have recently added legal expenses insurance to my home insurance policy. I have also been in dispute with my sister regarding distribution of mothers estate; no legal action has yet been taken but the dispute pre dates my taking out the LEI, my question is whether if I decide to pursue a legal case, wiIl I be…
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Car insurance
Hi Never had to claim off my car insurance in over 30+ years of driving. So when putting in a claim for an accident I had last month is becoming a pain in the backside. Whilst joining the M6 I had a blackout causing to be unconscious at the wheel leading to me crashing into the central reservation. After two days in…
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Car Insurance via comparison and directly at same time
I have entered my details into the comparison web sites, but can I also go directly to one of the companies for a quote so I can get more details about what is covered as they offer different policies directly but on the comparision site I am not so certain about the full cover. Will this prevent me using the comparison…
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Car Insurance NCD
I change car insurance companies, annually and notice an increasing trend of insurance companies to ask how much NCD you have - up to 9 years. I have 21 years NCD and am concerned that much of this will be wasted - as when I renew again - my record will just show 9 years rather than the full amount.Anyone got an answer to…
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Can insurers load premiums if you choose to have health screening?
After a recent fracture I am considering having a test for osteoporosis. I am also about to renew my travel insurance (annual policy with my bank account), declaring the recent fracture, that does mean a premium excess, I was asked if I had osteoporosis. My answer "not as far as I know" was accepted. I am now concerned…
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Car insurance renewal quote up 65%
Today I received my renewal quote : £431 from £261 paid last year; this amounts to 65% increase. I did a bit of research on the price increase. ABI (association of british insurers) claim that the increase in insurance costs are around 16%; the ONS (Office of National Statistics) put it at 43%. Then we have the usual…
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Be careful with Group travel insurance - e.g. newspaper holiday offers
Two of my family members just encountered this. They booked 2 holidays back to back with a famous newspaper. In France. First week in camping, second week in a villa. Not going home to UK in between. (That's the important issue!) Vouchers were used for the purchase. They took advantage of the holiday insurance that was…
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Getting temporary car insurance for non-uk licence holder (UK citizen living abroad)
I'm just posting this thread in the hope that someone may have experience or can advise on the best option to find some temporary car insurance for a friend. The friend is a UK citizen and UK homeowner but lives and works abroad and has done so for many years. They travel back to the UK 2 - 3 times a year for periods of…
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Car insurance, '9+' years no claims bonus
Hi all, Hastings won't tell me how many years of no claims discount I have beyond saying it is over 9. I've searched the forum and can see it has been discussed, with the general consensus being it doesn't make a difference to premium anyway. However on the price comparisons website I can see I get a difference of about…
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Travel Insurance While Waiting for a Medical Test
Hi, I am waiting for an MRI for tennis elbow, an innocent enough medical problem, but I am finding it hard to find travel insurance. The furthest I got was with StaySure but I am going on a boating holiday and they required us to wear life jackets 24 hours a day, even while in bed, which I didn't want to do. I am also…
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John Lewis Finance Pet Insurance
Hi, This is a feedback thread on pet insurance provider: John Lewis Finance Please share your experience with other MoneySavers. Click reply to take part: * Have you experienced problems? * How quick did they help? * Happy with the overall service/premium? The feedback comes as part of the Cheap Pet Insurance guide. Thank…
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subsidence insurance renewal
Could anyone share any light on this? It is a really stressful experience. I appreciate your advice very much! I have the landlord insurance and the insurance company confirmed there is subsidence late last year, and the claim is still in progress. The landlord insurance is due to renew this month and I received the…
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Car insurance a scam!
On the 31/07/2023 I was driving back from a pick up at Gatwick airport. I just got of the Sheepcotes Roundabout on the A131. A BMW was in the left lane when with no warning it did a right turn across the fast lane, the intention was to cross all three lanes and pull into the no entry hard shoulder. I had to slam on the…
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Travel Insurance for Bike Rental in Italy
Hi, I am hiring 2 bikes from Cycle Classic Tours in Italy in September. I am struggling to find bike insurance to cover the bikes. I am looking at a couple of companies such as Yellow Jersey, but I would really love to receive recommendations from someone who has already done this. I have approached the company but they…
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Personal Belongings Replacement Cost.
Ok - so I understand that this will vary from policy to policy. The policy is a household all risks policy including personal belongings. I have searched through the policy wording and have found no mention of the way they would settle a claim. I emailed and asked if the item (Apple Watch) would be settled on a equivalent…
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Named driver claim
I hope someone can clear this up for me as I need to renew my policy soon.My daughter is currently a named driver on my policy, when I renew I will not be including her as she will be at university.She was hit by another car on a roundabout, 3rd party liability. Claimed on the insurance (Flow, who were brilliant). Do I log…