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Power of Attorney Query
One of my parents have just turned 75 and have set me up as a POA as a precaution although they are currently fit and healthy. They wanted to add me on to their bank account too but we now have a few concerns. We live at the same address and are concerned that by adding me, it could affect my tax credit awards, our…
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Home Insurance for House & Cottage
Can anyone recommend an insurance company that will cover both homes, the quote from NFU was £2400 without accidental damage cover. It is a detached house and a detached cottage (same title deed but different addresses, cottage has its own council tax) Both to be lived in permanently by our family. Thanks in advance
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Hastings Smartmiles cancelled my son's car insurance
My son took out a Smartmiles policy with hastings straight after passing his test at 17. You can imagine the cost of policy due to his age & inexperience so had a black box to try keep costs a ittle lower. He did have an accident within few months (although not due to bad driving, more to inexperience). He was provided…
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Going from 2 cars to 1, how do we both keep our NCD ?
Wife and I both have full NCD on our own cars, we are selling one car and just keeping one which is registered in my name and she is a named driver. How do we maintain my wife’s NCD once we go to one car , can we alternate year after year as to who insured it. We will use the car equally. Thank you
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LV Home Insurance
I have just received a renewal notice from LV. It is to be increased from £100 pa to £160. I have thus renewed with Direct line with similar cover for £87.00. I phoned LV for an explanation and asked them why Confused.com were quoting an annual premium with LV at £87.00. All they could offer was that due yto flooding and…
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House insurance renewal declined
We moved mid year to a new home in Norfolk from Surrey. House is pretty standard pitched room, brick built. In village location. Bradford and bingley have declined to renew our buildings or contents with nil guide as to why even when pushed bar they can’t get a quote for us and it being ‘something to do with underwriters.’…
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Two Separate Car Insurance Policies - One Claim - Do I declare on both renewals
Hi, I have two car insurance policies: 1. My own longstanding car insurance (1990-current) for a car that I have owned since 2014. This policy (for year 2023/24 =Aviva) holds my NCD and it is protected. My partner is a named driver on this policy and unfortunately in March 2023, during my 2022/23 policy year, had an…
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Named driver question
Hi all. I’d like to put my elderly Mum (she’s 83) as a named driver on my car policy but my current insurance won’t quote for that. I would have to look elsewhere. One of the questions when asking for new quotes is always whether you have had insurance refused. I’ve never been refused under the policies I’ve ever had in my…
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Insurance for cruise
I am going on a cruise next Feb and decided to get annual insurance to include that and a couple of trips to Europe. I was astonished. £70+. Trips to Europe i hacve cover now for £20, is this amount normal for cruise?
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Marshmallow - cancelled my insurance and then refused to honour 14 day free cancellation right
Any insight would be greatly appreciated. I signed up with Marshmallow through Money Supermarket. There was no drop down box for my job title, I couldn’t get in touch with them/only bots for customer service, so I chose the next most relevant job which my job also covers, but I am actually a Supervisor of that role. They…
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Moped insurance after accident - owing money
Hi, My 19 year old son purchased a new moped 6 weeks ago. He paid half in cash & took the other on finance. He took out fully comp insurance on a pay monthly scheme 2 weeks later he had an accident and 4 weeks after that the insurance company wrote the scooter off. After speaking to the claims company they have offered…
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Dynamocover - Caused £430 of damage to my car
I purchased a RecoverCover breakdown policy through DynamoCover and had the misfortune to have to use it recently after my car developed a fuel leak just outside Cardiff. The guy they sent out from "Lanes of Abergavenny" managed to damage my engine by using a screwdriver to try and lever off the connector on the fuel pump…
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Insurance without need
Hi all, I've found myself in a strange position. To give full context - I've always followed MSE's helpful link to get 2 for 1 cinema tickets. Take out 1 night travel insurance even if you're not going away and get access via comparethemarket. However, I thought I done something similar and I am now been told I may be…
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About Hire and Reward insurance
Hi, I am paying £3000 a year for 'Hire and Reward' insurance for Private Hire. I am trying to fit in some Amazon Flex work which also requires 'Hire and Reward' insurance, however Amazon wouldn't accept my current policy certificate. I emailed my insurance broker back and forth and they are asking me £150 fee just to…
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Excessive increase in car insurance renewal
I’m aware that car insurance is on the increase but I am absolutely staggered at the increase my daughter’s received from Direct Line. She’s been a loyal customer since she passed her driving test 9 years ago. No accidents, no claims and a protected no claims discount. Basic ford fiesta, kept in a locked garage compound in…
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Is it okay not to cancel home insurance when moving?
Hi, about to move house. I've calculated that the refund due on my current home insurance is less that the cancellation fees. Is it okay not to tell the insurance company (auto renewal is off)? I'm the only person named on the policy so nobody else can make a claim anyway. Already have new house covered under a different…
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Approved work by insurer not being carried out until after policy expiry date
My insurer has just finally approved by email for some inside roof repairs to go ahead, I have contacted the contractor and the best date they have is 3 weeks after my policy expires, is it still valid? Plus I have my excess of £200 which will be paid by GoCompare, but the offer also runs out at same date? Any advice…
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Roof inspection report for building insurance
My buildings insurance (for freehold building with two flats) requires a roof inspection report every two years as it is a flat roof. But is quite new, in excellent condition and constructed with a high quality covering guaranteed for 15 years, as confirmed by the previous report so it seems completely unreasonable for the…
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Freeholder’s tenants caused damage.
Complicated insurance situation - can anyone clarify please? My bf recently bought a ground floor flat in a three story building; his is leasehold only. Freehold is jointly owned by two people; one lives in the top floor flat, the other lives elsewhere and rents out the middle flat. My bf & the two freeholders each pay a…
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Motorbike Insurance - Address
I'm planning on taking my motorbike with me to university next year, It will only be with me in university for about 3-4 months of the year and the rest of the time it will be at home. My question is, should I put my home address where the bike will be kept for the rest of the year or my uni address? My home address has…
