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Life/accident insurance

POSTED BY: pubjoe 1 month, 3 weeks ago

Hi. (I'm a bit confused by this forum style - Hope I've done this right).

I'm soon to be going on a long bike tour. A couple of weeks at least. As I have a family to think about. I think it'd be a good idea to get out some sort of life insurance policy before the trip.

I just want something basic. I remember something going round work a while ago that had payouts for disabling injuries, loss of limb/s, death etc. That's the sort of thing I want, but I'm no longer employed there.

...I'm not too bothered about health care stuff, I'm happy with NHS treatment. Just basic stupidity cover really.

Any advice? Obviously I want a great policy with massive payouts and I want to pay naff all for it. Oh and quidco too would be nice ;-)

Oh, and I have of course left this until the last minute. Can these things be sorted out quickly?

Thanks for reading.

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Try

tiny.cc/uZ0lk



for a quote comparison

Then check out quidco for possible cashback for taking the policy out via them

Last edited by grabbit : 27-09-2009 at 22:22.
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Cheers, nice start.
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pubjoe:
Cheers, nice start.
No probs,if you find one suitable it can be active almost instantly and you can just print off the policy
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Okay, I just filled out about 15 pages of personal questions on the AA website. I selected "Level Term Life & Critical Illness Insurance without waiver of premium cover" with £50,000 cover. It came to about £10 a Month ...I may like a higher value - I dunno. Is £50,000 a full figure that my N.O.K would get if I die?

Thing is, I really don't understand what I get for my money and what options/payouts I could improve by paying I-don't-know-how-much extra. I am really, really clueless about this stuff. I thought I'd see some document at the end simply explaining about what the cover includes. But the next stage looks like a final sign-up contract. I have no idea what I'm doing. :-)

I want to look at a nice table with about 3 cost options with a list of how much I would get paid out in the event of various grizzly accidents. I don't mean to sound fussy or anything. I just want to be able to understand (in layman's-terms at least) what I'm getting myself in for.

I have a feeling the AA site was being careful not to mention death incase it depresses potential customers! I just want the cold simple facts.

I appreciate the help by the way.

Last edited by pubjoe : 27-09-2009 at 23:03.
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why are you filling out form on AA?

do it on moneysupermarket comparrison site and it will show a fair few options
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I did. The comparison form and list of options were very brief, so I clicked one of the top 5 results to see if I'd gain more information by going along with their, much more detailed, get-a-quote process.
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Ok,I see,AA is usually expensive in my opinion,

You just need to tweak the options about in the comparrisons to find one suitable to you then go for it in quidco
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Yeah fair enough. It needs a proper look over and a few phonecalls with questions (I have many).

Everything on the price comparison list was about £10 a Month tbh. But as I say, it was a very brief form at that stage. "Age, Height, weight, fags-per-day?" and that was about it.

Thanks again. I'll give it some proper research tomorrow.
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