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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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Does insurance repair/redecoration apply to the whole room or only the affected area?
I’m asking about a house that has been damaged by escape of water. If a room has a ceiling that is 50% wet/damaged and two walls (out of four) that are wet/damaged, is the damaged area repaired or the entire room? Can the insurance do a patch job repair? Existing ceiling is popcorn, which they say they can’t do, they can…
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Travel insurance when waiting for medical test results
I'm trying to get travel insurance for a trip I've already booked but am awaiting test results for a (non life threatening) medical condition. I fully expected to have that condition excluded from cover, but StaySure tell me ALL pre-existing conditions will be excluded if I buy insurance from them, even though the other…
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Personal accident protection with car insurance is not a good protection
Hi, let's assume that I have a personal accident cover (under the car insurance) + an income protection.I'm not sure if the personal accident insurance is different if subscribed with the car insurance or separately, so I'm writing this post by not knowing if there is a difference. My car insurance would cover me only 2500…
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Home insurance
We've correctly declared to our home insurance provider Halifax, that our house is terraced with 3 beds and 2 bathrooms. We have a ground floor extension with a flat roof but they don't ask any questions that we could answer to declare this. I phoned to check and was told they don't need to know this, all they need to know…
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Buildings Sum Insured
Trying to understand the actual sum insured for buildings insurance, between the stated "rebuild cost" you enter in and the max buildings cover in a policy. For example I'm going via CompareTheMarket which uses SimplyBusiness and requested a quote for buildings including accidental damage, no contents, 250k rebuild cost.…
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Buildings insurance claim rejected. Bit shocked
We have tried to make a buildings insurance claim and it has been rejected and it feels wrong. It says on policy they cover escape of water from aparatus, pipe etc… we have had a fridge freezer leak and cause subfloor damage over the last week while on holiday. We deemed to broke and replaced it, we wouldnt risk carrying…
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Granddad Rights
I have been looking at trying to get to work another way to
reduce the amount of fuel I am using on a monthly basis, which is around £180
to £200 a month. I have been looking at a Bike of some
description and found the Yamaha Tricity 300 which is a three wheeled Trike and
can be ridden on a car licence, and does not…
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Specific home insurance query
Hi all, I'm hoping you can advise on a specific home insurance scenario. Home is owned by me however is lived in by my mum but no rent is paid. Its what I believe is called a gift with reservation from my mum to me. However when its comes to insuring the house for buildings cover it always tricky explaining this to new…
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Professional indemnity insurance for freelancers - 6 years?
I am reviewing a contract where I would be a creative freelancer for an agency. The agency would then take on client jobs. The contract states I need to have professional indemnity insurance for 6 years after any project has completed. I know 6 years is standard where a company closes (e.g. they need protection for at…
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Insurance Payout Question
Hi, My Dad died recently and he was directly employing 2 carers (he was in a wheelchair) at time of death. Legally on his death, the two carers are due statutory redundancy. He had Carer Insurance which provides coverage as follows: "The policy will not pay more than: £2,000 per employee or a maximum of £4,000 if more than…
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Empty property home insurance
About to purchase a property which will be empty and unoccupied until we sell our current home. Any recommendations for brokers or home insurance companies that insure this type of situation would be appreciated.
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A query about Churchill car insurance
I have been doing quotes for my daughter via MoneySupermarket.Churchill came out very competitive, but when I went to their actual website to check all details were correct, they ask how many vehicles are registered at the address, rather than just cars, as other companies ask. There was no note at the side of the question…
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MSE Car Insurance compare+ tool
Having spent 10 mins filling in the compare+ tool to reduce my car insurance premiums, you can imagine my glee when the best quote it could come up with (changing absolutely no details to last year), was £87.07 MORE than my renewal quote from my current provider. Well done MSE!!!
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Hassle cancelling
V high renewal quote from one call. Their actual service was excelkent. But i found a much cheaper offer. Went on line to cancel. Filled in, reluctantly, all info about new offer, then no option to cancel without chat to real person who was stuck in lengthy script and had to seek permission to cut it short and even then…
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New home policy - declare rejected claim?
Can't word my question correctly for SEO so hopefully someone here can tell me: we attempted to claim on our home insurance for a burst mains water pipe at the beginning of 2024 but as it was wear and tear, the claim was rejected. Our insurance is now up for renewal and we're getting quotes - does the act of attempting a…
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Building structure
Trying to sort out home insurance for a property we are buying. The external walls are approximately 60% timber frame with rendered cement board. The first floor of which is cladded in zinc. The other 50% is stone. With no cladding. Do I need a broker to get the best deal? On price comparison sites the nearest options seem…
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Insurance or something to hedge against forced obsolescence
Hi I wonder if this might be a fantasy but are there any insurance products or anything that would insure gadgets as they age? We've had a number of iPhones, tablets develop issues after a few years and Apple refuse to repair them - they're classed as 'vintage', which brings to mind those hand painted ads for Coke etc,…
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Insuring a Vacant Property awaiting sale
A relative may soon be moving into care and so have to sell the home she owns. She may have to leave it before it is sold, leaving it vacant meanwhile. The estate agent thinks that from marketing the property to completion could take 6 months. My question is about insurance in such circumstances. 30 years ago I found…
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AA Cancellation Rip-Off
So after my insurance went up from £32 to £57 per month with the AA (no claims, no points, 27 years driving,16 years NCB) I found a cheaper competitor and decided to cancel my policy with the AA. I thought I had cancelled in April just before it was due however apparently not. I called them yesterday to cancel but have…
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LV Home Insurance not renewing
Had an email from LV saying that they will not be renewing our home insurance (buildings and contents). I rang to ask why and they said it is because they have changed their underwriting rules, our insurance has not been refused, and we don’t have to declare it to another company if we're getting a quote. They said they…