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Critical Insurance ended months before diagnosis
I got critical health cover through work. In March 2023 I started diagnosis for a neurological condition. In January 2024, the company tupe'd me to an outsource company losing the benefits I had and I was told I can't carry on my cover. March 2024 the diagnosis of MND was confirmed. Obviously between Jan 2024 and March…
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Paying Excess on someone else's policy when they are at fault
Hi. We had a rouge builder who caused a huge amount of damage to our home. He was insured with NFU using a trade policy for liability. They have offered a settlement at only 10% of the actual damage caused. They are deducting from the settlement figure his excess payment ??, surely this cant be right. Does anyone know if…
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LV's defence of high prices
I called LV about my car insurance as the renewal was higher than other 5* companies for the same thing asking if they could lower the price to compete or I'd have to leave. Their agent told me "we can't, times are hard and we need to watch the pennies" . How good does that sound to the general public trying and often…
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Workplace private health insurance - stay in or opt out?
Can’t decide whether to opt out of workplace private health insurance.
Wondering if anyone has any opinion as to its merits, especially based on the
following? It’s Freedom Health Elite FWIW. Includes private GP and round
the clock phone consultations. Underwriting type: Medical history disregarded (great,
although the…
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Car Insurance after Pothole Damage
I’m at my wits end. About 6 weeks ago I hit a pothole doing less than 30 mph in a residential area on a dark and damp January evening. I thought nothing of it until a couple of days later I noticed one of my front tyres had deflated. I didn’t know at the time if there was any substantial damage to my car but as I was going…
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Car insurance Employer Indemnity Letter
I have taken out a car insurance policy with business use included with LV. It was taken out on the basis they would issue an Employer Indemnity letter indemnifying my employer from any claims arising when using the vehicle for work. Several LV staff did not understand what this is but when explained and referred to a…
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Car insurance compare sites
I am having a huge issue with the compare sites. I have used compare, money supermarket and top cashback compare and all are having the same problem. I input my no claims at 3yrs and all the quotes generated state 9+ years when I follow it through to the insurers site. I have made n brand new quotes and it's still doing…
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Auto renewal for Auto Aid
I was convinced I had changed the auto renew on my Auto Aid breakdown cover, but it renewed today (no renewal notification). Contacted them and asked for them to review but adament only could give a partial refund due to admin fee. Not sure if the 14 days cooling off period applies here. Appreciate £15 admin fee isnt the…
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Money for old rope, bandits and M&S Home Insurance
Have been with M&S who use Aviva for their insurance or at least thats who insurers via the M&S insurance … In any case and since Covid the policy has continually risen each renewal with last years renewal being the single largest increase (almost 25%) I ended up dropping the House contents and plumped for just the…
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Insuring Mum’s house - we own the property, she lives there rent free
Welcome some pointers on how to best insure a property which we own and my mum lives in rent-free. Building ours, contents hers. Couple of years ago, to help her out financially we bought her out, so it’s our name on the deeds, and she has lifetime occupancy free of charge. There is no mortgage on the property. As we get…
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Car insurance claim and a CCJ.
I'm hoping that you can give me some advice.I was checking my credit file and found a CCJ issued against me.I contacted the court to get the full information and it was in connection with a car accident a couple of years ago, where I was at fault and never disputed this.I contacted my insurers who advised me that they are…
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Life Policy Discharge
My father took out a life policy some 25 years ago. In 2015 he assigned the policy to me as a gift (so outside the 7 year inheritance tax rules). He died last month and I sent the death certificate to Pheonix. They sent me a claim form which included many questions relating to Probate, the Will, names of Executors,…
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Wrapper Insure Motorhome insurance
Hi, I found this company via a comparethemarket quote, they seem reasonable and professional enough, but there isn't much information on them. I presume they are a broker and the actual insurance will be with a larger company, but I obviously don't want to go with them and end up with an insurance package that doesn't pay…
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Travel insurance for music event I am attending
I have booked tickets, flights and accomodation for a music event in Germany I would like to buy travel insurance which will cover my costs if the music event is cancelled or postponed by the organisers However I am finding it difficult to ensure the travel insurance I take out covers for such an event Any advice?
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Holiday cancellation and pre-existing medical condition
Holiday booked for 19th May. Annual travel insurance policy ends on 5th May. One of the passengers was recently admitted to hospital for a pre-existing heart condition and cannot travel. The answer is most likely NO, but just to be certain: is is possible to claim on the insurance for Cancellation? Also I believe it's…
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Nationwide account/insurance
Hi, asking about the nationwide account which has benefit of over 70's travel insurance. The company is changing from UK insurance to Aviva and the changes are not so good. Any suggestions for that age group of accounts which provide this option? Thanks.
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Van driver bumped into front garden wall.
Hi Everyone, Insured van driver bumped into front garden wall. caused some damage in which he admitted full liability. Police also attended the scene. The third party insurance representatives advised to get 2 quotes for the works. Sent them 2 quotes from 2 different building companies (both were for demolition and…
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Home Insurance
When obtaining quotes for home insurance you have to state what type of property you want to insure for example ours is a mid terraced house but we've got an extension on the back of the house which isn't attached to the adjoining properties on either side. There isn't any option to declare this when getting a quote so can…
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Policy Expert
I have been given a building and content home insurance with Policy Expert (Policy Expert Home Select) which is far cheaper than anybody else I have found and they include "extras" as standard e.g home assist, trace and access up to £5k etc. Has anybody else used them before? Good or bad experiences? Seems a bit too good…
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Building Insurance - Terrorism cover
I am in a social housing property and the manager states that social housing schemes now have to have building insurance covering acts of terrorism. The cheapest they say they can find has put the building insurance for our complex of over 55 bungalows up from £3,730 to £13,749 per year. I have asked if the cannot take out…
