Resolved Question

Where can I get a free quick online life insurance quote?

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You can get a free online life insurance using the link below.

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• I use winquote.net for a quick reference. You should be aware that ANY online quote is just a quick guide though. It won't factor in any kinds of ratings and won't tell you what the renewal rates are either. The renewal rates are very important...ABC company might be $5 cheaper now, but when it renews it might be $25 more expensive than all the others.
  
  After you look online, it's best to meet with a broker in person to compare the top companies. A broker can tell you which companies are good and which aren't, he can assess how much insurance you will need, and can go over the renewal rates and prepare you for any ratings that might be applied...a website won't do any of these things for you.

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• Before you get quotes make sure you know exactly what type, amount and duration of cover you need. Then you can go online and compare as much of the market as possible. Some of the main price comparison sites compare mutliple providers but there are smaller broker sites too. Don't forget that some major insurers aren't included in price comparison sites though. Try some of these...
  
  http://www.moneysupermarket.com/LifeInsurance/uk-life-insurance.aspx
  http://www.comparethemarket.com/life-insurance/
  http://www.uswitch.com/life-insurance/
  http://www.gocompare.com/life-insurance/
  http://www.tescocompare.com/life.shtml
  
  You might be able to find some of the smaller comparison services at this directory...
  
  http://www.uk-insurance-index.co.uk/life-insurance-companies-1.html
• hi Carl, if you are still shopping for life insurance, i suggest you go to this website below and get FREE Quotes from different life insurance companies and compare their premiums.
  
  http://www.goodinsurancebroker.com
• Just Google "life insurance quote." But be aware that the "quotes" you get will be "preliminary" and misleading.
• Life In surance :
  
  http://shockawe.tv/category/money/
• Try comparison websites to get a quick and free life insurance quote. Check out http://theycompare.co.uk , http://confused.com , http://protected.co.uk etc
• moneysupermarket.com

Resolved Question

If i'm over my agreed overdraft is my nat west advantage gold travel insurance still valid?

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not while you are over your agreed overdraft

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• Yes. You need to settle the excess of your overdraft.

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Resolved Question

Who is liable for loss of food in a power cut..?

Ive had a power cut for apx 16 hrs, its safe to assume that my freezer has defrosted. Can I claim of the energy supplier or do I have to go through my house insurer...

Best Answer - Chosen by Voters

Your food should not be bad after 16 hours. We had a major flood, out of the house for a week, came back and the stuff around the edges was starting to thaw out. The stuff in the middle was frozen solid. And that was after a week with no electricity

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• You are responsible so you claim through your house insurance. I live in a rural area with overhead power and phone lines which are prone to power loss from high winds, heavy snow and ice. I have a chest freezer and keep it stocked up with more loaves of bread than any family would need along with the other items. If we get a long power failure one of the things we do is to pile in newspaper to fill it up. Keeping it well stocked means its insulated against defrosting for a longer period.
  I have had loss of power for over 24 hours - one New Year we lost power for 3 days but nothing in my freezer was lost.

  0% 0 Votes
• If you have not opened your freezer the food should be safe for 24 hours or more. If it has defrosted you have to claim off your house insurance.

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  25% 1 Vote
• Home insurance. The power company admits to no liability whatsoever.

  25% 1 Vote
• You should claim through your house contents insurance.

  0% 0 Votes

Resolved Question

My insurance Claim was denied because I had the wrong types of locks on the doors... What can I do?

I rent a flat in London and I was burgled while away on Christmas holiday. The thief broke two doors getting in. My insurance company (HSBC, Underwritten by Aviva) says they won't cover my loses because I did not have a 5 lever mortice dead lock approved to BS3621 installed on the door. My landlord gave me two keys and I locked every door that I had a key for before I left. After looking through the small print in the policy I did see where there is an endorsement (special terms and conditions) that says I must have a certain type of lock. However, I don't remember being asked about this... HSBC claims they have a tape of the conversation where I said yes to the endorsement, but I'm no locksmith... I wouldn't know a 5 lever mortice deadlock from a Yale lock or any other type of door lock. Since my door has never had this type of lock, I essentially have never been covered. I've been paying my premiums for nothing. I'm going to go to the the Financial Ombudsman, but can I win this case? If so, how?

Best Answer - Chosen by Asker

This is a common tactic adopted amongst insurance companies. These people are SUPER-CAREFUL at all times to make sure that the methods they use to sell something is JUST legal and no more. It is simple psychology - put simply, they rely on your own arrogance in knowing what the operative is talking about, to sell products or services.

In this matter - get a hold of the taped conversation and listen to it. They may apply a charge for this, but it is usually surrendered gratis to a lawyer - particularly when there is a threat of legal action.

Knowledge of locks is irrelevant - this company can reasonably make a suggestion, which you then agree to - they can put the body of that agreement into the contract as a clause. If you subsequently neglect to act (ie: change your locks to those suggested) - you're right, they never covered you since they can (again) reasonably claim that you have/had the wrong locks at the time of the crime.

I'll bet that small-print will also have spelled out that if you change your own locks at any time, for ANY reason, they must be made aware of the changes.

If you still feel optimistic about action, take the taped conversation to a lawyer. The first hour is usually free - so be ready to state your case briefly and concisely. Your lawyer will tell you if you have a case or not and must state their charges per hour. Be sure to ask how long this will take.

The financial ombudsman will be able to evaluate your case, and may secure the return of monies paid by issuing an advisory note to HSBC.

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Other Answers (7)

• This is fundamentally unfair. Even though you agreed, you are a renter and do not control what locks are on the door. Go to Citizens Advice Bureau - they are free, and on your side. They will lean on HSBC and /or Aviva to give you something. If that doesn't work, try Consumer's Association ("Which?"). I know they have sometimes been able to help people in this situation.
• Hi, I am sorry to learn this news.. Is it mentioned in the HSBC rules book that you should have 5 lever lock, or did you sign that paper at the time of insuring the house. If not you can hire a good lawyer and then fight back legally, you will get your claims.

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• Better you consult an lawyer expert in insurance. Hope he will find some loope hole in the insurance policy in yr favour. Generally speaking, most of us dont know the lock and handle details, particularly when is is rented.
• I had the same problem when I took out my insurance, so I looked on the Internet and didn't have one, so I said no - what you should have done.
• You need to see the citizens advice bureau on this one.
• sorry to say and I know you will not like it that is why I apologise beforehand but ignorance is no excuse
• You need to repost in your country. Try your flag below under answers international.

Resolved Question

Claimed replacement phone on insurance as lost but now found old phone.. What to do.?

Having lost my mobile the other week and claiming a replacement on my vodafone insurance. My lost phone turned up. The sim was barred but the phone will work with another sim so if I reuse the old phone will vodafone know?

Any help appreciated.

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the old phone has a unique ESN/MEID number & yes, they will know if you use it because of the unique ID

I would recommend contacting them & asking them what they want you to do.. return the new phone or return your old phone

100% 2 Votes

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• Well you should tell voda, because otherwise its fraud. If when you reported your phone as lost you told them the IMIE number then they would know its in use. If they do not know the IMIE number then they wouldnt know.
  
  use *#06# to get your imie, just incase you didnt know.

  0% 0 Votes
• The phone now belongs to the insurer so ask them what they want to do with it.

  0% 0 Votes
• they might, best to be honest

  0% 0 Votes

Resolved Question

Doctor's certificate?

My friend has been off ill for three days--he is still very ill indeed--at what point must he seek a note from the doctor?

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That is a matter between him and his employer.

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• Yes ofcourse to have certificate being a part of administrative principle in any organisation. Why to so loud about but call a doctor ask him to check and issue a bonafide certificate of coursee charge you have to bear dear.

  0% 0 Votes
• You can self-certificate for the first 7 days and then you need a doctor's certificate.

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Resolved Question

Buy Insurance Policy Online?

Folks, Is it possible to buy insurance policies (LIC term plan, child plan & pension plas) online ? Is it safe to buy online ?

Best Answer - Chosen by Asker

Yes, it is possible to buy insurance online, however I strongly recommend you don't! A website typically won't give you an objective opinion on whether a company is good or not. They also won't be able to give you feedback on your application if there are any substandard risks. (when you submit the application if you have medical conditions the website will submit the application anyways. If you go through a live person, they might say "Wait a minute, ABC is cheaper in the begining, but with this information we now have, there's a good chance you will get heavily rated with a 75% rating due to this illness with ABC company that we are applying for, but XYZ company won't rate you at all becuase they have a different underwritting process for this product, so in the end they will be cheaper than ABC company"

Go through a broker in person. Their services are typically free as well, and they can do all the functions of a website (shop around, compare multiple quotes, give you resources to educate you, etc), PLUS they can directly answer your questions and provide you with additional feedback throughout the process to help you along. A website might be good to give you a rough idea of which way to go or to get some basic knowledge, but with a major financial decision that can mean the difference of leaving nothing for your family, or litterally hundreds of thousands of dollars...I'd want to make sure I was dealing with someone that will fully give me the info I need, rather than just collect up an application and push out another policy every 5 minutes.

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Other Answers (2)

• Possible but mostly Life and otehr insurance will end up dealing with an agent/finance professional only. Also you're better of dealign directly with an agent in your local area. You might want to analyze different insurance companies and then work with an agent in the particular insurance firm. Good luck!
• yea u can...and i would say it is as safe as buying anything online.