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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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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,…
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1975 Inheritance Act - No win no fee
I am writing to you to raise a serious concern about the operation of the Inheritance (Provision for Family and Dependants) Act 1975 and the unintended consequences it can have for families administering estates .My siblings and I are currently executors and beneficiaries of our late father’s estate. We are responsible for…
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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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Caravan Insurance for a van stored in France
Hi, we normally insure with Towergate for our caravan that is stored in France on the site we stay at However, the underwriter has changed to Aviva and they say we have to tow it back to the UK for 8 weeks. Loads of UK based people do this in France - any help please.
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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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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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Income protection for part time job?
Hi I work full time and my wife works part time. We are both 40 years old and have one dependent, under 18. My salary makes up around 80% of our household income and my wife's around 20%. We are very fortunate that my salary covers our monthly experiences. We use my wife's income to make additional contributions to our…
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Can a life insurance cancel my policy just because they want to?
I have a had a company group life insurance for over 20 years now, and kept it even after retirement. The monthly premium being taken out of my salary/pension automatically. I have just recieved a very impersonal notification that they have decided to end the existing group scheme. I've been given a months notice, and been…
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What is essential insurance coverage for a Private Road?
I have tried to source the answer myself but understanding what insurance is actually 'needed' for a Private Road wildly varies as much as the price; so far giving the same insurance brief has resulted in quotes ranging from £191 to £660. I'm not asking for a referral here, but to understand whether what I'm asking for is…
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Very late ambulance bill
I had an accident as a pedestrian in Cologne in November 2024. An ambulance was called and I was taken to the local hospital for treatment. I was given a bill by the hospital for 621 Euros which I had to pay before being released. The client I was working for said I could claim through their insurance, which I did and the…
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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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Life insurance
I really am at a loss and whenever I start looking I find myself down many rabbit holes. I am looking for life insurance, not too expensive, just something to leave my daughter. I am 55 and have a few life long illnesses, leading to me being on disability. Obviously as I am on benefits I cannot afford a massive amount but…
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How do I get Home Insurance comparison quotes for an empty probate property?
My late father's Home insurance will expire soon in May, and the current price is £51/mo for a 4-bed property, which seems extortionate. It used to be £57/mo, but this premium dropped to £51/mo after notifying the insurer the policyholder passed and property is unoccupied. I've tried the Compare+ Tool but the questions are…
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About to move and want to insure my possessions for the move
Hi all, I am about to move in a week or two. I am most worried about moving my TV, which I paid around £1400 for a few years ago. It is covered by AO Care insurance, but it seems that doesn't cover the transportation of the TV. I am going to be using a 'man with a van', which I understand may cause problems insuring my…
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Party wall indemnity
Can anyone give me a few names of insurance brokers who can broker a party wall indemnity policy ...not for a house sale...but for a homeowner protecting against adjoined neighbour claims of damage please. This is for works already carried out not works yet to take place.Thank you
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I listed an SP40 from 2021-2024 despite doing a Speed Awareness Course
Back in 2021 a speed camera snapped me going over the speed limit. I was given the chance to take a speed awareness course as it was my first offence. I thought I then had to update my insurer about this and for the next 4 years I took out car insurance on the basis that I had points for an SP40 offence on there. I learned…
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Prudential Life Policy Written In Trust
My late mother and my step-dad took out a with profits ‘joint life second death’ life policy with Prudential in 1995. It was written in trust from the outset with my 2 stepsisters and me as beneficiaries. My step-dad died late last year. Prudential have been notified but insist that they won’t pay out the benefits until…
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car insurance and claiming
Hello, Just after some advice on what to do? I had a small bump in the car, my damage was my wheel arch dent and scratched, the other car scratched passenger side door. ironic a passerby shouted not worth claiming. The other car was what i believe to over react, when i got out the car said im informing the police, you were…
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Cancellation insurance for under 18 on school expedition.
Hi, my daughter is signed up for a World Challenge expedition to Eswatini (Swaziland). WC provide provide health and evacuation cover but advise we arrange our own cancellation and belongings insurance. My daughter is currently 16 and will be 17 at time of travel. Need cancellation cover for about £4k. I’m not overly…
