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how to find total no claim bonuses
I've been driving for over 8 years with various insurers. Is there a way of finding out exactly how many years I've got as I've no paperwork.
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What do direct line do with total loss?
Does anyone know what Direct line do with a write-off (in this case a 100% "fault" claim). Do they cancel the insurance and make you pay the full premium and then you have to start again with a new car (their Ts&Cs allow them to do this) OR do they allow you to continue the same policy with a new car or does it depend on…
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Personal Accident Insurance
Hi Doing a charity bike ride in a few weeks. One of the conditions is that i must hold personal accident insurance. I've looked around and can only see annual policies. Is it possible to insure myself for just one event, and if so any recommendations? Money supermarket doesn't list personal accident. Thanks paul
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HSBC refuse to cancel PPI
Hi, I went along yesterday to HSBC with my 19 year old son who took out a £1000 loan in November, recently he has had a few problems with his finances so we've been looking at ways at cutting costs and trying to reclaim bank charges, which I did start unfortunaltely on 27/7/07 when they decided to freeze all refunds,…
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Help what next?? PLEASE HELP..
I have just found out today that my car insurance company, Shelia's Wheels, have cancelled my policy. All payments have been made. However they cancelled the policy due to proof of no claims bonus being received. I have tried in vain to get this information from my previous insurers, HSBC, and even gave Sheila Wheels all…
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Life Insurance wrongly sold by Prudential.
Hi Just a quick question if I may ask, My Mum was sold a life insurance policy through Prudential roughly 20 -25 years ago which expired roughly a year ago, Paying £6 monthly my Mum was told by a Prudential advisor who came to the house that the policy could be cashed in at any time and would run till her death. Prudential…
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Personal Accident Insurance
Hi Doing a charity bike ride in a few weeks. One of the conditions is that i must hold personal accident insurance. I've looked around and can only see annual policies. Is it possible to insure myself for just one event, and if so any recommendations? Money supermarket doesn't list personal accident. Thanks paul
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£200 lost from Car Insurance - Please Help!!
Hello all, I discovered this website last year and it has really turned my life around. I would like to thank Martin and all the posters for their hints, tips and ideas. They have really helped me. It is because of this that I turn to you guys for advice. Two weeks ago, I was involved in a road accident. A van plowed into…
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Over 70s Travel Insurance with Bank??
Hi, has any one got info on any bank or similar that I could transfer to and receive free or low cost worldwide (USA, Canada) travel insurance. HSBC offer it for up to 70yrs but not beyond, presumably they expect my wife & I to stay at home and knit when we (in the near future) reach that age. quintain
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Car Insurance NCD V's pending claims
What's the general industry rule of thumb regarding the effect of pending claims / open claims or claims in dispute when it comes to the effect they have on NCD for policy renewals. Or is it the case that there are no rules and this will vary from one insurer to the next? In my case it seems what would have been a 5 year…
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Life insurance on a shared ownership house..
Hi we have our financial advisor coming round next tuesday to sort out quotes for life insurance as we are buying a house..just wondering what the average is or does it depend on your personal situation? really unsure what to look for and wether what he comes up with is good! Partner smokes as that will bump it up but…
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PPI Story in The Times
The Office of Fair Trading continued its assault on the UK banking industry today by declaring that payment protection insurance was failing consumers and should be investigated by the Competition Commission. The OFT said the insurance, which promises "peace of mind" for borrowers by guaranteeing their debt repayments in…
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Pay as you go Contents Insurance
Hi there, I am privately renting from a housing association and one of their recommended insurers have sent me through some literature on pay as you go contents insurance. My question is, is this as good as the regular insurance? I'm not sure how long I'm intending to stay in the property so pay as you go does appeal to me…
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NCD for Home insurance ?
NCD doesn't seem to be as straight forward for home insurance as it is for cars. I have had contents insurance for 3 years (Including current year) building insurance for 2 years. (Including current year). Note: My bulding & contents has been on the same policy. This year I had to make a claim for contents insurance so…
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Laptop/Notebook Insurance
Hey, I'm a student who's just invested in his first laptop... and I want to be able to take it to college and back every day so I've figured the best idea is to get a comprehensive insurance policy on it covering accidental damage, theft etc. for 3 years, preferable on a monthly direct debit although this isn't essential.…
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Can named driver start new car insurance and 'borrow' some NCD
We're about to become a two car family for the first time. Having been a driver for longer the current car's insurance is in my name with my husband as a named driver. He's been on my insurance for 7 years and we've never had any claims. The new car and insurance will be in his name with me as a named driver so in effect…
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How soon does insurance cover start?
Hi, my daughter has been to look at a car that she would like to buy and has asked someone who knows more about cars to look over it tomorrow. The car is MOT'd and taxed until January next year. My question is this: If she buys the car tomorrow and insures it on line, can she drive it tomorrow, as she will effectively be…
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car write off/only damaged doors
could anyone please give some advice? l was in my friends car and someone crashed into the side, scrapping the two leftside doors. the other drivers fault, he gave his insurance details. my friend has taken the car to garage an the insurane want to write it off , it only has a big scrape and doors slightly dented and is 7…
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PHI costing us £843.31 per year plus ??? in tax.
We have private medical insurance with PPP Health Care through my husbands company. It costs us £64.87 per 4 weekly wage and I don't know how much tax pr mth not sure how to work it out. So without tax its £843.31. This is for husband, myself and 16 year old son. I am thinking of cancelling this and puting the money in a…
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what are the different levels of PHI?
I have seen 3 levels of cover reffered to PHI. Could someone explain the differences between budget, standard and comprehensive? Thanks