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LemonTwist

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About LemonTwist

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  1. Years ago, a situation like this would have been dealt with by sternly telling the child off, not by suing them! No wonder the UK now has one of the highest rates of childhood mental illness. We should allow children to be children.
  2. So 13 year old boys are expected to be perfect now and never make mistakes, are they? Are you going to take away his school dinner money as well?! :/
  3. I think the insurers have acted correctly in accordance with the principle of indemnity. The sum insured is what is used to calculate the premium. Underinsurance occurs when the sum insured is too low and this inevitably results in too low a premium being charged. If all the other policyholders have paid a premium based on the full value of their property, then it is not equitable to accept risks that are based on less than this. Therefore, if there is underinsurance at the time of a claim, the settlement will be reduced in proportion to the amount of underinsurance. There must be some cla
  4. I'm afraid to say the "Pairs, Sets and Suites" clause does also apply to fitted kitchens and wall tiles. The clause applies to any item of a uniform nature, design or colour. Rather than getting your own quotes for the kitchen, it's probably best to let your buildings insurers deal with that, especially as they've already rejected 2 of your quotes. They will probably have special deals with approved contractors.
  5. If you tell the Halifax about the dual insurance, they should be able to work things out with the Nationwide by themselves. So I don't think the lateness of the claim will be a problem. There is still a chance you might be able to cancel the Nationwide policy, but you would have to see what both companies say.
  6. It is likely that the claim will be settled on the principle of contribution. This means that wherever dual insurance exists, each insurer would pay their rateable proportion of the claim. In order to calculate the rateable proportion for each insurer, the formula is: the policy sum insured divided by the total sum insured (for both policies). Then you multiply the result by the amount of the loss (ie £2,500). As a result of this formula, you shouldn't be any worse off even though there was dual insurance. It means that if the sum insured on the Halifax policy was higher than t
  7. It probably won't be necessary for you to do anything, as most insurers only take into account 5 years of NCD anyway (although I think a few do take into account 9 years). So not having proof of 16 years NCD shouldn't affect your premium if you go to a new company.
  8. Sorry for the misinformation. When I wrote my original reply, I was thinking about employee pensions (ie occupational pensions). As you took out your pension as a member of the public, the rules about national insurance contributions would be different.
  9. I don't think all is lost. With a standard insurance policy such as a home or motor policy, if someone loses the policy document they would still be covered so long as the insurance company/broker had a record of the cover. So I can't understand why this would be different. Surely deleting the confirmation email would be the same as losing a printed policy document?
  10. I think the state pension will still be around by the time we retire, it's just that the retirement age will be higher than it is now. There are lots of people who don't have a company pension or any savings at all, and the government surely couldn't just leave these people to starve in their old age! I am contracted into SERPS and I think that is probably the safest thing to do for the majority of people (ie people in money purchase/defined contribution pension schemes). I know some people do contract out of SERPS if they are enrolled in a final salary/defined benefit pension scheme, b
  11. Did you cancel in time for the renewal date? If so, there shouldn't be an outstanding amount to pay.
  12. I think they are being unreasonable here. A lot of people delete their emails regularly and therefore wouldn't still have copies of the confirmation emails. I don't see why Heath Lambert insist on seeing these emails. Surely Travelodge must have a record of all the bookings you made? If you still have the booking numbers then it should be OK. If you have any other proof of what you paid for the bookings, such as copies of credit card statements etc, then that should help as well.
  13. This isn't Aviva by any chance is it? I know they sometimes do renewal offers like this, or at least they used to. I was just wondering, because there is a customer service manager on this forum who would be able to help, if that's the case.
  14. Fortunately, I don't think that's true. Loss adjusters are supposed to be impartial and independent. They are not usually direct employees of insurance companies - they are usually employed by specialist loss adjusting companies. They may work on behalf of several insurance companies. The loss adjusting company is paid for its services by the insurance companies, and then the individual loss adjusters are paid an annual salary by the loss adjusting company. So they are not paid directly by the insurance companies. I think that if a bonus was paid, this would cause a conflict of interest.
  15. People who present a higher risk have to pay higher premiums. You can't say fairer than that. I don't have a lot of sympathy for drink-drivers, I'm afraid, because of the risk they present to both themselves and other road users. Always better to be safe than sorry. All I can say is that I hope your daughter will learn from her mistake,
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