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How to escalate to Financial Ombudsman (Subsidence Insurance Claim) (
Can anyone offer me some guidance re taking a case to the Financial Ombudsmam? On behalf of my late 88 year old father, the Insured, I instigated a subsidence claim on his home insurance policy with XYZ in Nov 2020. After multiple attempts by XYZ and their loss adjusters (360 GlobalNet) to deny subsidence (including…
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Dual Car Insurance - Help! My insurance is being cancelled because my son passed his driving test
I’ve learned something new about the quirks of the insurance industry, which seems somehow stacked against the consumer. I suspect there are many thousands of people caught in this trap each year. Let me explain… My 18-year-old stepson recently passed his driving test. He has a job and he paid around £2000 to take out a…
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Input appreciated
I raised a claim with the insurance company that holds the warrantee for my house regarding potential water ingress at my patio doors. The concern is that the external patio slabs have been laid at the same level as (and in places higher than) the internal finished floor and door threshold, meaning there appears to be no…
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Mobile phone insurance
My boyf gave me his phone when his contract ran out. Trying to find a gadget insursnce to cover it is impossible. They want a receipt to prove its under 2/3 yesrs i dont have one. Any advice? I have the same issue witb my lads tablet too
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Warning: 24/7 Home Rescue – left without heating for 9 days, policy ignored
I want to share my experience with 24/7 Home Rescue so others can make an informed choice about boiler/home emergency cover. Timeline: * 1 Jan 2026: Reported boiler failure (“No Flow Lockout”). Engineer reset it but did not investigate the fault. Heating returned temporarily. * 2 Jan 2026: Boiler stopped working entirely.…
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oil leak, neighbours tank leaked into my garden
Hi My neighbours oil tank has leaked causing substantial damage to his property and some to mine his insurance company is refusing to take responsibility for my damage. My insurance company will charge me £500 excess if I claim. Has anyone any suggestions as to how to proceed Thank you
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Allianz insurance subsidence nightmare
I am writing about Allianz’s failure to resolve my properties subsidence issue. Subsidence at the property was first identified in Autumn 2018. Since then, we have endured years of delays and poor communication from Allianz (our insurer) and Crawfords (the appointed loss adjuster). Council trees contributing to the…
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What insurances apart from Buildings & contents are recommended after paying off a mortgage?
We have just paid off our mortgage (December 2025 ) but at the moment we still have life insurance, critical illness and income protection. If one of us passed away (husband) we have enough for the funeral. Myself and husband own our own business (Ltd company) What if any insurances are recommended at this time please?
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Car Insurance write off claim closed
Hi all, let my tell you a story with my car insurer. I was involved in a small accident where my car side was scratched and scuffed and insurance declared it a write off and offered me a low amount of money. I had declined and managed based on my car extras to make them agree to pay almost 50% on top of the initial value…
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Insurance Depreciation
Hi. Any help on this appreciated- We have claimed on my daughters insurance for her laptop which she split water on! All going fine till we had a bill from the insurers for £384, I was expecting to pay £100 excess. Having spoken to them it seems we have to 'pay' for the deprecation. We will receive a new laptop 2022, which…
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Buildings insurance and a tree which has grown, and now need to declare in my building ins renewal
As above We've lived here for a few years and the single conifer was about 7 feet tall several years ago. ago but now it is a lot taller and in my view, as now falls within the height and distance from our home where you need to declare it on your building's insurance—approximately, what percentage increase can we see on…
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Home Insurance, second claim yes or not ?
I'm sorry for the trivial question but we are very confused Nearly 3 years ago we made a claim for a water leak on the ground floor, it was a nightmare lasted two years Now we have a leak from some drain pipes on the upstairs bathroom, is not huge but we can see the signs already on the downstairs toilet ceiling and…
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"No thorough inspection" = damage noticed after home insurance renewal deemed "false information"
Summary:Subsidence claim denial and removal of policy has been attributed to lack of inspection at a level beyond a (in this case fairly knowledgeable) layman's ability prior to answering renewal questions, making the answers misleading - meaning that the expectation from the insurer is for there to be a professional…
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Admiral Car Insurance - Disclorsure Policy Question
Hi long time lurker, first time poster. My friend was recently looking to buy a new car and after running some insurance quotes asked me a question regarding Admiral's car insurance policy as I used to work in a similar industry. Key Info: * They currently have a car insurance policy with Admiral. * A couple of months ago,…
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Confused.com blocking my rewards.
I have had to renew four insurance policies in the space of a month (two home and two car ) for myself and mother-in-law. all through confused.com and I duly claimed rewards. I received one and now have been blocked from receiving any and any access to existing ones that I have ( the Greggs free drinks ). Confused say…
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Asda Money Pet Insurance Discussion
Hi, This is a feedback thread on pet insurance provider: Asda Money 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 you, MSE…
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Multibuy Insurance car and home
Helpful advice on MSE this week to save money by buying home and car insurance on a multibuy basis. However, be aware that the insurance company will quote to end both policies (car and home) on the same day, postponing the second policy start date until your existing policy expires. This means that your quote will be for…
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Possible subsidence - possible future extension - insurance cover
I am hoping at some point in the next few years to do an extension to my semi-detached house (out at the side and back, single storey, and into the loft). I think I may have read on here that some insurers will cancel an insurance policy during major renovations such as this, leading you to have to reapply afresh once the…
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Pet insurance Petplan v many pets v other
Petplan increasing their premiums 20% yet again this year, too much for us. I’ve heard good things about many pets insurance, has anyone got experiences with them? Or other who stand up to petplans offering (appreciate it will not be quite as good) at a slightly more affordable cost? For info 2 domestic shorthair cats,…
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Car Insurance- cheapest, cheapest known name or a dearer one?
Doing the usual annual merry go round for Car Insurance. Currently with Direct Line and renewal, as per usual, increased by around £60pa. Comparison sites showing over £200pa savings with other companies. So haggle with Direct Line who reduce it by £120 but still around £90 dearer than equivalent policies even with Aviva…
