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Life insurance / critical illness insurance cover
For the past decade, I've always had life insurance / critical illness cover through work. From reading the MSE page and other forum threads, I understand that what I had before was:Death in service is an employer-provided benefit. It's paid out as a lump sum if an employee dies while they are on the company payroll. This…
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Semi Detached Outbuilding/ Barn Insurance
Hi, We are in the process of buying an old cottage that benefits from a Detached barn / outbuilding garage across the road from us. This barn is split with us owning one side and the other side being owned by another property with a party wall between, Our solicitor has advised that we require a Deed of Mutual Obligation…
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MoneySuperMarket car insurance tool
Has anyone had a problem with the MSE/MoneySuperMarket tool not giving the right information to the insurers ?I just took out a policy and a declared claim was not on the documents when I checked them.
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Home insurance question-retired or not employed due to disability.
Hi folks, Before state pension age on home insurance I used to put when asked "not employed due to disability" as I do have certain medical condition and was in receipt of ESA. I was also retired from my job on medical grounds many years ago. Now that I have reached state pension age, what do you think is the best way to…
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Am I in trouble? Car insurance wrong information provided
Hi all, Wife had an accident last July reversing into a bollard in a car park. She's a named driver on my policy. I called our insurer and a claim was made. In January I did quotes on a car insurance comparison site, stating myself as the policyholder and her as the named driver who had an accident. Tesco came up cheapest…
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How much difference does no claims discount make as an older driver?
I'm in my early 40s and been driving since I was 21 but for many years I have only been a named driver on my wife's insurance. I'm looking to get a 2nd car in my own name and I have no idea if I can put any NCD or not for the years I was insured... I don't even know when this was, I probably had 10yrs NCD but haven't been…
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Guesswork from loss adjuster?
A loss adjuster has said that a crack in my house is "typical cracking related to thermal movement". This is not a concrete opinion though, what is the case here, do loss adjusters just make educated guesses, or should I push for proper confirmation?
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Green flag.
Never mentioned on here at all. Full cover home start recovery etc. with Green Flag (direct line insurance) This year at renewal £55. been with them 10 plus years.. called out about 3 times always prompt and problems sorted.
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Car insurance named driver
My daughter was on my insurance last year, as a named driver, when another car hit her on the roundabout. No question as to whose fault it was. If she were to take out her own insurance on her own car does she put down my claim as she was the driver? Difference of opinion at the Funnie Farm. TIA
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Car insurance premiums going through the roof - why?
I've heard people saying that the main reason is because of the increased cost of replacing car parts. But is that really the full story? Seems to me that car insurance is increasing at such a rate as to make it unaffordable to many. Does the whole industry need a rethink? Could the state offer a very basic third party…
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Car was damaged while parked
Hi. My car was damaged while parked, was at night so cctv didn't pick up registration number but it shows vehicle make and company details on the side of the van, after over one year from accident my insurance company send me email that I'm at fault because they cannot claim against third party because there is no reg…
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Car insurance - industry standard?
Hi all, Just renewed my car insurance in good time, but think I may have to cancel it. Browsing through the policy booklet, Budget Insurance won't cover me for misfueling nor for damage caused by fire, theft or attempted theft. My wife, a named driver, is also excluded from driving other cars. Is this a standard industry…
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Policy Expert Auto Renewal.
The last year I have had my house insurance with Policy Expert. A few weeks ago I got some quotes for the next year and got some prices. So I check present policy online and decided to go with one of the new quotes. I also checked to see it there was any autorenewal which I couldn't find. So I took a out a policy with a…
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Paying twice to RAC
I discovered for the last three years I have being paying twice for breakdown cover. Once through my RAC car insurance where it is included with my policy, and I have also had a separate breakdown insurance not realising it was included with my car insurance. So for last three years Ive paid out £120 for nothing. Surely…
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Possible Home Insurance Claim?
In a bedroom the floor has dropped down. A builder has examined and concluded a joist needs inserting and hardboard replacing which has cracked. He believes the floor was not supported enough and it was only a matter of time before the floor sunk. I was thinking of claiming on my home insurance (approx £500 claim) . I have…
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Home insurance - Cost increase of 50% + £56!!
I'm with Policy Expert and my home insurance renewal quote is a massive 50% increase on last year plus it would cost £56 extra to pay by direct debit. I'd read that increases were about 20%. I have emailed them to ask them to justify the increase but have had no reply. What is going on?
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Nationwide Travel Insurance Aviva
Hi, Aviva opened their portal for getting extensions for trip length etc today. Tried to register by inputting my correct name, DOB and Flex Plus account details. Low and behold. "Your details are not recognized. Please contact Nationwide to ensure you are using the correct details."!!!
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Post office insurance staff trying to frustrate claim
Hi all, I need to know if anybody else has had this issue— Asked for ridiculous things repeatedly first on the phone, then I must provide them in an email and then they’ll send me a claim form and then I have to fill it in to make a claim. I’m being asked for frankly ridiculous things Such as an invoice for my easyJet…
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Help! Buildings Insurance on a second home that is rented out is Expiring and I can't find cover!
I have just been informed by my insurance company (More Than) that they are no longer offering the product I have with them which provides buildings insurance on my second home (which is rented out to my Son). I have just researched (for hours) new products on all of the comparison sites, but they only appear to offer…
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Vehicle insurance cancellation fees
Hello all, My first submission.....just cancelled my Motor Insurance for a motor home well before the term was up. The premium was £309.74 and I was just short of 6 months into the insurance period. I did not, of course, expect 50% of the premium to be returned and fully expected an admin charge to be imposed for early…