-
Insurance & Life Assurance sticky
Here are some Forum threads you might find useful: * Home Insurance Discussion * Cheap Car Insurance Discussion * Car Insurance Tips & Tricks * Level Term Assurance Discussion Area * Car Breakdown Discussion Area * Gap Insurance Guide Discussion * Compare Breakdown Cover Discussion * The Great Hunt: Have you used a loss…
-
Home Insurance Renewal with planned Building Work
Renewal has always been easy but this time I have to consider that our home will have a part 2 storey, part single storey rear and side extension in the next 12 months. I normally just use confused.com. They have a question 'Is there any building works in progress?' which there isn't yet but there will be. If I change it…
-
Life insurance direct debit stops after death
My husband pays his life insurance premiums via monthly direct debit from his own bank account. In the event of his death, the bank would stop all direct debits when notified that he had died. This would void his life insurance policy. So should i delay telling the bank until after the policy paid out? Or should he be…
-
Term life vs whole life insurance - how do you decide which is right?
Hi everyone, I'm trying to get a better understanding of the differences between term life insurance and whole life insurance before making any decisions. Term insurance seems more affordable and straightforward, especially if someone mainly wants financial protection for their family for a specific number of years.…
-
Life insurance on another's life
Decades ago, my father took out a life insurance policy on my mother (for a few hundred pounds). The policy was to pay him in the event that she died (to help look after any children). Years later, it became a paid up policy meaning there are no more premiums to pay. He has died now and she was the beneficiary of his…
-
Home insurance with an open EoW claim and existing cover due to expire in a few days
I’m currently trying to arrange replacement buildings and contents insurance in slightly unusual circumstances and would appreciate input from anyone who has been in a similar situation or has relevant insurance/broking knowledge. We’ve been homeowners for over 30 years and until recently had never made a buildings claim.…
-
Aviva Home Insurance Renewal Rip Off
Every year it goes up, I don't understand how they justify it. I know there is no loyalty but it just seems so unfair they can rip you off. I hate the whole rigmarole of comparing like for like, wondering if it's a reputable insurer who will really pay out if I need it etc.
-
Lemonade Insurance
Just wondering if anyone has any experience of this company? Currently renewing my contents insurance and this company has come up by far the cheapest on the comparison site that I use, but I can find very limited info about the company, most of which seems to be American.
-
Cavendish Online - How to get a price for Life and CIC that is different
Hello I know what I want to buy policy wise which is: £400k life insurance and £80k CIC for myself and partner Cavendish online only allows CIC to be the same as life, eg £400k for both. One hack is I do £320k life and £80k CIC and life. Just means paying x4 of the £25 fee. I hear if I call up I then pay higher fees as…
-
Direct Line Insurance - Proposed transfer of policy to Aviva
We have car insurance with Direct Line. We recently received a letter, enclosing a quite lengthy printed booklet, warning us that they propose to transfer our policy to Aviva with effect from December. We were given the opportunity to object, and indeed to attend a trial at the High Court of Justice where the judge will…
-
HELP!!! Panic on internal cracks in walls & insurance!
Hi, hoping someone can urgently assist as the insurance is due for renewal on 01/09/26 !! I have arranged my parents home insurance for them and due for renewal imminently & I realise this is left to the last minute! On going round to their house yesterday to discuss the renewal, I noticed a very long diagonal crack in the…
-
Do i need business insurance is my LTD is based at my home address?
I will be running 1 person LTD from my home address. I have dedicated room for my office which i can lock. Most of the work is laptop work but sometimes i need to connect some parts together which could be called a home lab. I am not planning to leave the home lab unattended when running. I am planning to check with my…
-
House Insurance - Increasing my excess increases the cost of my insurance??
That time of year when Insurance Companies obviously hate their local customers so much they decide to increase the annual insurance significantly more than inflation. So started the usual round of getting alternative quotes, (shame really as I really prefer to stay with the same company, but Aviva where not even prepared…
-
RIAS car insurance website said payment not taken, but it did - TWICE!
I was ready to pay for a new car insurance policy as an annual fee. I paid with one of my credit cards but a message came up saying payment failed. So I tried a different card and same thing. I then thought I’d better buy another policy, which I did and it was £10 more. Later that morning I noticed Rias had charged both of…
-
JCC international and court claim.
Hi, hope this is in the right section. I know this is late in the day and its for my friend and not me. Basically I've been landed with trying to help him defend a claim from JCC international who have taken him to court over a supposed car insurance none payment. He has done the AOS and I think the defence has to be in…
-
I think I need life insurance but would like some advice please
Hello everyone: I am a 38 year old male working in the Middle East in a safe country. I have two children who do not live with me but live in the UK. Up until this point I have never had life insurance and I don't have a mortgage. I genuinely neither smoke nor drink. I am looking to return to the UK eventually but I have…
-
Car Insurance
My husband bought a car for my son for his 18th birthday. The car is in owned by my husband. My son needs to have his own insurance to start having no claims bonus. Due to him being 18 his insurance cost is high. He has tried to add me on to his policy, as I will drive his car a couple of times a week to the gym and back.…
-
Vehicle into front wall
Never thought id be writing this but a neighbour has reversed off their drive, over a rockery and large bush and then into my property. They have damaged the front wall/ windows and pushed a radiator off the wall. You could see the vehicle through the wall! The vehicle was brand new (75 plate and had just picked it up) it…
-
Where do I turn?
Hi all We bought our house in 2008 and had a basic survey on the property. We remortgaged in 2012, and the new mortgage provider came out to assess and value the property. When he did this, he popped his head in the loft. Oh. This was never picked up on basic survey, but the previous owners had (without permission) turn…
-
Consumer Rights: Credit Ratings v. Risk Ratings
I can request my credit rating. You can too. However, underwriters/insurers are not compelled to reveal my risk rating / my car's risk rating. They are not compelled to reveal yours either. Why not? This year, Allianz raised my car insurance premium by over 30%. There was no explanation. No explanation was given when one…
-
Large crack in wall - should we notify insurers?
Hi, we live in a Victorian semi detached house in Sheffield. With the dry weather we’ve noticed what was a hairline crack widen into a 3mm crack at its widest. The crack runs diagonally from our front door, along an internal party wall into our cellar. We had a drain survey done last year and it indicates several displaced…
