The specialist broker i spoke to today was part of Howdens.
Insignificant/ Significant things that BYP or just wind you up a little
- Rockburner
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Re: Insignificant/ Significant things that BYP or just wind you up a little
non quod, sed quomodo
- gremlin
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Re: Insignificant/ Significant things that BYP or just wind you up a little
Travel insurance too.
I was upfront and declared my upcoming procedure for Benign Prostate Hyperplasia, the key word being 'benign'. Straightaway the usual comparison sites were giving me nil returns. Had to start looking at specialist sites which ended up costing me twice as much, but not declaring it could render an entire claim invalid, no matter what the claim is for.
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- Yambo
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Re: Insignificant/ Significant things that BYP or just wind you up a little
gremlin wrote: ↑Tue Nov 28, 2023 11:14 am
Travel insurance too.
I was upfront and declared my upcoming procedure for Benign Prostate Hyperplasia, the key word being 'benign'. Straightaway the usual comparison sites were giving me nil returns. Had to start looking at specialist sites which ended up costing me twice as much, but not declaring it could render an entire claim invalid, no matter what the claim is for.
Back in 2010 I wanted travel insurance to come here (Turkey) for a month or so - a chemo break for the wife and a bit of sun. I was doing the on-line stuff with Insure and Go, we'd used them many times before and they were fine for our needs. But then I came onto a page which started off "We don't insure people with a terminal illness."
I stopped filling in pages of stuff and told the wife that we'd probably be travelling without insurance. Then the phone rang and it was a lad from Insure and Go. "You stopped the on-line application." he says. I explained why and also explained that we wanted insurance for lost cases etc and in no way would be looking for medical cover for the wife. He asked some questions, I answered them truthfully and he said "That's all OK, I'm doing your policy now. Is £27 OK?"
A few months later we were going to have a second chemo break so I just phoned I&G up, explained the situation and got insured again fo another £27.
It's good to talk.
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Re: Insignificant/ Significant things that BYP or just wind you up a little
I had my policy loaded because I'm taking Tamsulosin to keep me pissing - only £30 but for what risk?gremlin wrote: ↑Tue Nov 28, 2023 11:14 amTravel insurance too.
I was upfront and declared my upcoming procedure for Benign Prostate Hyperplasia, the key word being 'benign'. Straightaway the usual comparison sites were giving me nil returns. Had to start looking at specialist sites which ended up costing me twice as much, but not declaring it could render an entire claim invalid, no matter what the claim is for.
- gremlin
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Re: Insignificant/ Significant things that BYP or just wind you up a little
Exactly the same. I'm hardly going to need an air ambulance because I'm pissing every half hour....v8-powered wrote: ↑Tue Nov 28, 2023 1:21 pmI had my policy loaded because I'm taking Tamsulosin to keep me pissing - only £30 but for what risk?gremlin wrote: ↑Tue Nov 28, 2023 11:14 amTravel insurance too.
I was upfront and declared my upcoming procedure for Benign Prostate Hyperplasia, the key word being 'benign'. Straightaway the usual comparison sites were giving me nil returns. Had to start looking at specialist sites which ended up costing me twice as much, but not declaring it could render an entire claim invalid, no matter what the claim is for.
I'm sure that if it had come to it I could have spoken to a real human and got a policy exempting any claim related to BPH, but as it was, the eventual policy I got wasn't that bad as they threw in gadget cover (presumably on the basis that anybody with BPH is hardly likely to be carrying the latest iPhone) and gave a year's cover for a few quid more (maybe on the premise that I'm likely to croak before the next holiday).
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- Taipan
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Re: Insignificant/ Significant things that BYP or just wind you up a little
My daughter has just returned from Slovakia and Vienna and brought yet another dose of covid home with her. Despite being fully vaccinated this is the 5th or 6th time shes had covid!
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Re: Insignificant/ Significant things that BYP or just wind you up a little
When the fuel light pings on in my Duster, the range says i have about 70 miles left. Over 10-15 miles this drops to zero. But the car still has fuel. If the range prediction isn't accurate, why bother installing it ??
- Yorick
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Re: Insignificant/ Significant things that BYP or just wind you up a little
Ours drops from 200 Kms to 50 in 20 km.
Then to zero 20 kms further.
We're used to it.
- weeksy
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Re: Insignificant/ Significant things that BYP or just wind you up a little
Not sure winds me up is the correct phrase, but deffo made me go WTF !!!!
"so that perfume....."
"sure, for Xmas yeah"
"Victoria Beckham, it's £170"
SAY WHAT NOW !!!!!
"so that perfume....."
"sure, for Xmas yeah"
"Victoria Beckham, it's £170"
SAY WHAT NOW !!!!!
- KungFooBob
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Re: Insignificant/ Significant things that BYP or just wind you up a little
At least she's not asked for Shaik like my MIL wears.
My misses is cheap on the perfume side because she won't wear any that doesn't have the leaping bunny on the box.
- gremlin
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Re: Insignificant/ Significant things that BYP or just wind you up a little
Was discussing this the other day. A bottle of half-decent perfume, in my mind, was around £60-£80. Maybe I'm just harking back to a cheaper era, but now the price for a nice bottle is £150-£200. Molton Brown is a case in point. Used to be a reasonable bottle of sniff, in men's and women's, then rebranded, went unisex, the bottle changed and it doubled in price.
As for Acqua di Parma...I love 'em, but by Christ.
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- KungFooBob
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Re: Insignificant/ Significant things that BYP or just wind you up a little
The Molton Brown is only £80 a bottle, the bog water version is loads cheaper... It's got a leaping bunny on the box.gremlin wrote: ↑Wed Nov 29, 2023 9:56 amWas discussing this the other day. A bottle of half-decent perfume, in my mind, was around £60-£80. Maybe I'm just harking back to a cheaper era, but now the price for a nice bottle is £150-£200. Molton Brown is a case in point. Used to be a reasonable bottle of sniff, in men's and women's, then rebranded, went unisex, the bottle changed and it doubled in price.
As for Acqua di Parma...I love 'em, but by Christ.
It doesn't last and isn't as strong as other brands so you use twice as much, apparently.
- weeksy
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Re: Insignificant/ Significant things that BYP or just wind you up a little
the really long lasting thing was thrown in as justification by Mrs Weeksy too. "it lasts agggggggges"....KungFooBob wrote: ↑Wed Nov 29, 2023 9:58 amThe Molton Brown is only £80 a bottle, the bog water version is loads cheaper... It's got a leaping bunny on the box.gremlin wrote: ↑Wed Nov 29, 2023 9:56 amWas discussing this the other day. A bottle of half-decent perfume, in my mind, was around £60-£80. Maybe I'm just harking back to a cheaper era, but now the price for a nice bottle is £150-£200. Molton Brown is a case in point. Used to be a reasonable bottle of sniff, in men's and women's, then rebranded, went unisex, the bottle changed and it doubled in price.
As for Acqua di Parma...I love 'em, but by Christ.
It doesn't last and isn't as strong as other brands so you use twice as much, apparently.
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Re: Insignificant/ Significant things that BYP or just wind you up a little
It's all due to Hamas and the war in Ukraine, it's where most of the smells come from for perfume, obvs...gremlin wrote: ↑Wed Nov 29, 2023 9:56 amWas discussing this the other day. A bottle of half-decent perfume, in my mind, was around £60-£80. Maybe I'm just harking back to a cheaper era, but now the price for a nice bottle is £150-£200. Molton Brown is a case in point. Used to be a reasonable bottle of sniff, in men's and women's, then rebranded, went unisex, the bottle changed and it doubled in price.
As for Acqua di Parma...I love 'em, but by Christ.
- gremlin
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Re: Insignificant/ Significant things that BYP or just wind you up a little
You're forgetting Brexit.Greenman wrote: ↑Wed Nov 29, 2023 10:15 amIt's all due to Hamas and the war in Ukraine, it's where most of the smells come from for perfume, obvs...gremlin wrote: ↑Wed Nov 29, 2023 9:56 amWas discussing this the other day. A bottle of half-decent perfume, in my mind, was around £60-£80. Maybe I'm just harking back to a cheaper era, but now the price for a nice bottle is £150-£200. Molton Brown is a case in point. Used to be a reasonable bottle of sniff, in men's and women's, then rebranded, went unisex, the bottle changed and it doubled in price.
As for Acqua di Parma...I love 'em, but by Christ.
And the birth of Christ. Bloody nicking all that frankincense and creating a shortage.
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- Cousin Jack
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Re: Insignificant/ Significant things that BYP or just wind you up a little
Effing Clerical and Medical Insurance!
Long story short. In 1995 I retired from BT and got a lump sum. I invested some of it in a Distribution Bond with Clerical and Medical. It has performed reasonably well, but recently it’s performance has not been so good, so time to switch it elsewhere.
In March I withdrew some of it, carefully staying under any CGT limit. Then in October I withdrew the rest. Clerical Medical issues TWO Chargeable Event Certificates, both a pile of poo, with dates wrong, and amounts wrong. Even got one of the events in the wrong tax year! So I rang up to ask them WTF.
I was told that the error had been noticed and that there was a note on the file to that effect, and to expect revised certificates in about 10 days. Fair enuffski. After 2 weeks I rang again, file consulted, same note on file, now with chasing from the first person I spoke to. Much apologies, offered to chase again, but warned that it would take 6 working days. Slightly sceptical now, but OK.
6 working days elapsed, nothing received so a snotogram launched, giving them 5 working days to get their shit together. 3 days in and an auto-acknowledgement and nothing else.
Watch this space.
Long story short. In 1995 I retired from BT and got a lump sum. I invested some of it in a Distribution Bond with Clerical and Medical. It has performed reasonably well, but recently it’s performance has not been so good, so time to switch it elsewhere.
In March I withdrew some of it, carefully staying under any CGT limit. Then in October I withdrew the rest. Clerical Medical issues TWO Chargeable Event Certificates, both a pile of poo, with dates wrong, and amounts wrong. Even got one of the events in the wrong tax year! So I rang up to ask them WTF.
I was told that the error had been noticed and that there was a note on the file to that effect, and to expect revised certificates in about 10 days. Fair enuffski. After 2 weeks I rang again, file consulted, same note on file, now with chasing from the first person I spoke to. Much apologies, offered to chase again, but warned that it would take 6 working days. Slightly sceptical now, but OK.
6 working days elapsed, nothing received so a snotogram launched, giving them 5 working days to get their shit together. 3 days in and an auto-acknowledgement and nothing else.
Watch this space.
Cornish Tart #1
Remember An Gof!
Remember An Gof!
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Re: Insignificant/ Significant things that BYP or just wind you up a little
People that seem to not want to use the outside lane on the motorway. They'd rather potter along at 60mph, stuck behind the bellend that won't use the inside lane.
Foot note. I can't use the outside lane myself as I have a trailer!
Foot note. I can't use the outside lane myself as I have a trailer!
- Horse
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Re: Insignificant/ Significant things that BYP or just wind you up a little
This may become more common as adaptive cruise control gets more widespread.
Even bland can be a type of character
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Re: Insignificant/ Significant things that BYP or just wind you up a little
You also can't drive at more than 60mph, so what's the problem?
Additional footnote. Isn't CLODing worthy of points now or did I imagine that?
- Horse
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Re: Insignificant/ Significant things that BYP or just wind you up a little
Even bland can be a type of character