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Car insurance 17 year old
My son passed his driving test two weeks ago, and we’re looking to buy him a car, as we did when his brother passed three years ago in identical circumstances. Both passed on second attempt, five months after they turned 17. The quotes we are getting for insurance is roughly triple the £1200 we paid for his sibling, three…
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Subsidence claim and insurance
Hello. I hope someone can help as this has been so stressful and I feel I’m getting nowhere. In 2022 after the hot dry summer there were cracks in the building at the back of my house - bit like a conservatory and downstairs toilet. They were filled and decorated but happened again so I claimed through my insurance. The…
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home insurance settlement offer question
Hello Having never claimed on insurance before I am a little confused, so apologies. I am with more than insurance and it is to replace a water damaged floor. I have been offered a settlement offer. That is lower than one quote and more than another quote. I am unable to pay for the deficit on the first quote. But what…
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Indemnity for lost share cert worth over 100k.
Hi, we have had probate granted on my uncles estate and part of that are shares held worth in excess of 140k. We cannot find the share certificate and my solicitor is being asked to obtain an indemnity with a countersignature. Due to the large value of shares we are finding this difficult, has anyone had this issue and if…
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Building Insurance scam
My freeholder has taken out building insurance as per terms of lease. I must contribute to the policy. However he has given misinformation in the policy which is still being disputed but I have paid approx £450 for 7 months of the annual premium. He claims in the policy the building is in good repair and watertight. It…
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Extra car headrest: Do I have to declare this safety mod?
My Vauxhall Astra J DY15UUP was purchased used in 2018. I realised after
purchase that with the standard cloth upholstery there is a seatbelt
but no headrest provided for the rear centre (5th) passenger, which
seems pretty dangerous but was legal at the time. I was very concerned
about this and research revealed that the…
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Any idea how to check if a builder's public liability insurance is real?
It's extremely important to know for my situation, thanks.
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Lease Car Insurance
Just about to take on a leased car for the first time. Struggling to find a company that will insure me because car is in the name of the lease company/registered holder rather than me (no other issues). Does anyone have experience with this and/or know any companies I could try ?
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Liability question
Hello all, I'm seeking advice about a situation I find myself in & I'm not certain this is exactly the right place to look. Recently an individual from my neighbourhood has been walking their dog on a private lane where my house is situated. The lane in question is a no through route with no public byways or rights of way…
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Double income protection
Hi, let's say that I have 2 income protection, one covers specific things, the other is more general, but regardless, can I have more than one income protection and then decide where to apply in case of a claim? Or do I need to claim both by the law and then eventually they split the payment??
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Surveyor not covered?
I have an exterior crack in my house. The loss adjuster has stated heat expansion. I want an independent opinion. Our policy covers the cost of surveyors if they are involved in the rectification of the work. I am told they won't pay for a chartered surveyor because that is part of the claim preparation, and not to do with…
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Why is the type of school (state or private) relevant when adding a learner driver to a policy?
Got a quote today (from the insurance arm of a major UK supermarket) for adding my 17 year old daughter on to my car insurance as a provisional driver on a 1 litre Skoda CitiGo. 10+ months to run on the policy and they want an additional £1,150 - as a learner driver! I have paid the £40 cancellation fee and taken out a new…
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Buildings insurance for a terrace house inc let basement flat
Hi there, I own a terrace house with a basement flat which I let out. I currently pay landlord insurance on the flat inc buildings cover and buildings and contents insurance for the whole house on my personal policy. I feel I am paying for buildings cover twice. Any advice on how I should do this eg should I just get…
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Landlords' building and contents insurance
Hello, what are the most affordable providers of landlords' building and contents insurance? Most of the comparison sites don't permit it. And also, does anyone know which permit insurance of properties within 30 ms of a river (no previous flooding)? Thank you!
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Should I claim on my car insurance or theirs?
Hi, I was involved in a small accident. The damage is mostly scratches on the bumper and a minor dent. The other driver accepted responsibility after the accident and informed their insurance company. I have comprehensive insurance, I intend to have the car repaired by a garage that is not in my insurer's approved list,…
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Life insurance - payout refused 28 years ago BUT now they get in touch...
I am absolutely reeling with shock after receiving a letter from Legal and General looking to trace the next of kin of my husband who died in 1996. They said in the letter there is an unpaid claim and asked me to call. I called and was told an unpaid claim had flagged up on their system and they needed me to verify who I…
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Insured or Not?
Hello, I’ve read a few threads on here and many people seem to be correct when giving advice. My question to everyone is the following: Had an accident 16 months ago. I called to report the accident straight after it happened and said I was coming home from work. Surprise, that wasn’t included in my policy and I am deemed…
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Car insurance new address
I am moving out of my house next week and staying with my brother temporarily for approx 6-8 weeks until my new house purchase completes. I checked with my insurance company and they want £148 to make the change! Do I really need to advise them for such a short time? I know that premiums are calculated on postcodes but my…
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Home address for car insurance
My son has secured a 2-year management traineeship. One condition of the offer is ownership of a driver's licence and a car. He has got his licence and has managed to get a car. He has now got his first six-month secondment which is in another part of the UK. For car insurance purposes, which address should he use for his…
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Insurance claims for heating oil spills.
Does anybody have any experiences and/or advice to share when dealing with Insurance Company Loss Adjusters over domestic oil spills? The oil boiler we inherited 10 years ago when we bought our home is serviced every year under contract by Worcester Bosch, but the last service engineer inadvertently left a severe leak of…