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Insurance & Life Assurance sticky
Here are some Forum threads you might find useful: * Home Insurance Discussion * Cheap Car Insurance Discussion * Car Insurance Tips & Tricks * Level Term Assurance Discussion Area * Car Breakdown Discussion Area * Gap Insurance Guide Discussion * Compare Breakdown Cover Discussion * The Great Hunt: Have you used a loss…
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Car insurance cover - giving people lifts to church
Just received a note from our church HQ that members may not be covered for giving lifts to church. Now obviously not covered by standard policy if done for private hire or monetary gain, but simply giving a lift to a friend (or even to Mrs K!)? Is this correct? If it is, the logic would be that drivers cannot give anyone…
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Aviva - income protection policy cancelled after policy change requested
HiI'm just wondering if I could please have an opinion on the following matter:* My mortgage advisor does income protection insurance via Aviva and applied for the policy on my behalf and I was emailed the policy information etc. * Income protection policy taken out with lets say £20k salary on 9th Jan 2024 . I also…
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Car Insurance Renewal - ALWAYS Challenge!!
So the RAC sent me a renewal quote for my car insurance (£298), claiming in the email that it was competitive, and similar to what a new customer would get - it was a £70 increase on last years, and I have no claims/issues. Logged on to the RAC insurance portal, said I did not want to renew, because of cost, and was…
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Elite Insurance / PwC letter re: Administration
Hello I've received a letter today from PwC who are administrators for a company called Elite Insurance that went into administration in 2019. That seems legit and I have verified on FSCS website. The letter suggests I had a policy with them (quoting a policy number) and asks if I have a claim. I have no recollection of…
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Home insurer won't cover building work, is cancelling policy - any recommendations?
Just had a disappointing call with Halifax re: building work at my home. Apparently as the cost is over £75k they won't offer cover and will only cancel the policy leaving me to find cover elsewhere. They gave a number for "Everywhen" - which looks to be a broker. I'm not hugely encouraged by the recommendation given that…
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Zurich Travel Insurance
I have created this new thread to discuss people’s experiences of Zurich Travel Insurance. I did start a previous one but unfortunately it was polluted with persons who obviously have an interest in or are employed by Zurich, who proceeded to attack anyone who had a bad experience of Zurich insurance. There are a lot of…
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Insurance payout in event of a suicide
A distant relative of my wife who was male aged 60 recently committed suicide. Someone in his family said he didn’t have any life insurance and if he did they would not have paid out. However they added he had a mortgage with his wife. I always thought insurance didn’t pay out in the event of a suicide and asked ChatGPT…
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my van you are unfortunately not eligible to take this complaint to the FOS
Hi, Thank you all If not the FOA, who can I go to another level up, as I should have my old van back, or buy back and pay them 30% out of the money I get off them. (Because you are a third party and not a policyholder, you are unfortunately not eligible to take this complaint to the FOS.} My complaint is I was very ill in…
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Adding named drivers to drive me in my car as no longer able to drive
I am currently the owner of our car, and my disabled wife (who very rarely drives) is a named driver. But I have been told I am no longer able to drive and have 11 months left on the insurance. We need to keep the car in order to transport my disabled wife (very few of our friends' cars are able to carry her powerchair).…
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3rd Party Liability Insurance for dogs - Dogs Trust stop from 30/6/26
I've just had an email from Dogs Trust saying that they are no longer offering 3rd Party Liability insurance with the Companion Club membership. I cannot afford full pet insurance - both my dogs are 13 years old and the premium quotes are ridiculously high :o( . Does anyone know of any other organisations like Dogs Trust…
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Home Insurance - rebuild costs over a million - finding it hard to get decent quotes
Our home's current market value is £450k, the home report from three years ago estimates the rebuild cost at £1.3 million. The calculator on the ABI (Association of British Insurers) website seems to confirm that figure is about right. The issue I’m facing is that it’s incredibly difficult to get home insurance at a…
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Cancelled insurance due to SORN
Hi - my son's car insurance on his original car was cancelled by the insurer because it was off road and declared SORN but now he can't get insurance on his new car. Does anyone know how we go about getting this cancellation expunged from his history as it is unfair to penalise him for something he couldn't control, not…
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Buildings insurance cover for flooding
My buildings insurance cover seems to exclude cover for flooding if the source is a leak from a pipe in the street. It hasn't happened yet but I wondered if this is normal for buildings insurance. If it does happen, could I expect the water company whose pipe has leaked to cover the cost of the flooding or would I be left…
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Buildings insurance repudiation letter - this is ambiguous isn't it..?
Our retaining garden wall crashed down in torrential rain during a named storm earlier this year. Just had the insurance company's repudiation letter via their Loss Adjusters - notice the 'appears that the damage has occurred...' line. Surely that's ambiguous and unclear? Worthwhile challenging?
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Book travel insurance after surgery?
Hi folks, I'm booked on a Med cruise in June (lucky me I know!), and just paid for it a couple of weeks ago. However, I was diagnosed with Angina last year, and I'm up for Angioplasty/Stenting in April. I've got some quotes for travel insurance costing £250ish - fair enough I guess though not keen on paying through the…
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Contradictory Questions and Final Policy Document buildings insurance
I took out a policy - the usual questions asked about the building history (over the last 25 years). Questions such as - any flooding in last 25 years, underpinning last 25 years etc. I've owned the property for over 30 years and nothing like that has happened since I've taken ownership. The building is over 100 years old.…
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Making an income protection claim with Bestinsurance (via Claimscog)
Hey! Not sure if this is the best place to ask this or not. Mods, please delete if inappropriate :) Tldr; making claim (30 day excess) for a Bestinsurance policy via Claimscog for income protection insurance, which is dragging on. Cover should of started already (first payment due end of this month) Read reviews for…
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Car Insurance different prices car bought / not bought
Insurance for daughter Run through Topcashback compare coming back with the following quotes Car already owned. with Black box £1299 with no black box £2173 Car not yet owned with Black Box £1287 with no Black box £1700 The only thing I altered was owned / not owned Am I missing something. What difference does it make TIA
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House Insurance; separate excess charges for buildings and contents?
We're looking at moving to Aviva from Direct Line for house insurance. Whilst the DL policy is clear that a single excess is chargeable for water damage to both the building and the contents, it's not that clear for Aviva. They have two separate excesses, at different amounts, for buildings and contents, or so it would…
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Travel Insurance - Medical Questions
Our annual travel insurance is soon due for renewal, so as ever I looked on a comparison site to see what's on offer and as ever wanted to give an accurate picture of any medical conditions. But, as ever, I'm not entirely convinced that the questions asked necessarily lead to an entirely accurate picture. Let me explain,…
