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Insurance & life assurance

This is the place to ask any MoneySaving questions you have about insurance and/or life assurance.

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…
Non-Fault Accident – £200/Day Credit Hire, £850 Excess – Too Late to Go Direct to Allianz?
Hi all, I have just read this post and it made me bit worried because I think I might soon be in a similar situation so.. https://forums.moneysavingexpert.com/discussion/4759978/enterprise-courtesy-car-advice-needed/p2 I was involved in a non-fault accident last week hit from behind while stationary. The third-party…
Travel Insurance Cancellation Limit + Top up insurance
I'd like clarification on cancellation limits and the effect on other parts of the insurance (Bank Packaged Travel insurance) please? Assuming all parts of the insurance are suitable but the cancellation limit (5k per person) is too low for a specific trip, what happens if I travel?Are all other parts of the insurance…
Travel insurance cover for post-cruise land tour
We have annual multi-trip travel insurance with Saga - have had it for a few years. In 2027 we are planning a cruise taking in the Chilean Fjords and want to add on an independent (of the cruise company) land tour. This part of the holiday will include flights to Easter Island and Atacama, accommodation and tours - and it…
Best insurers for buildings/contents cover on a previously flooded property.
Our house flooded back in 2017 due to a blocked culvert. At the time we were with L&G, and have stayed with them ever since as the premium stayed reasonable even afterwards - plus we were told by a broker that it's unlikely any other insurer would touch us for a long time. Fast forward, L&G have been taken over by LV and…
Help with job description for insurance
hello, my wife is a “after school club assistant” , and i can’t find anything on drop downs for insurance that’s similar , any ideas please ? thanks
Is Bupa still generally seen as the best medical insurer?
With the NHS having severe problems I'm currently thinking of taking out medical insurance for myself and am wondering if Bupa is still generally seen as the best in that field? I would be going for pretty extensive cover but I don't want an insurer who does their utmost to find ways of avoiding paying for claims. Or can…
Admiral Auxillis No Fault Claim Still Unresolved 2.5 yrs later
I'm interested in views and advice regarding Admiral referring to Auxillis for the handling of a non-fault insurance claim instead what I would consider the 'normal' way of an insurance company handling the matter for you themselves. In Nov 2022 a young family member had a no fault accident and spoke with Admiral to submit…
They cannot find policy number for old Scottish Amicable bonds ?
Hi all, I thought I'd post here as I saw several threads on Scottish Amicable Investments. In 2023 , we collected a group of old documents from lawyers office, and they found 10 bonds in my name , all dated 1984. They are issued by "Scottish Amicable Life Assurance Society" and are all 'managed investment bonds'. As per…
Will there be increased annual insurance costs following a non-fault car accident.
Following a non-fault car accident, their insurer Admiral contacted me and are paying the garage directly for the repairs. Admiral texted to say it won't affect my no-claims bonus, but will I have increased insurance costs following a non-fault accident? My policy is due for renewal next month. Should I be claiming this as…
Simply Business Modus Landlord Insurance
Hi, I did some searches and Modus insurance (via Simply Business) has the best price and cover for my needs. There is, however, very little on Modus insurance online so I am wary. The alternative would be Direct Line, but they have less cover for the same price. Has anybody had any experience, good or bad, with Modus,…
Hastings car insurance
My car insurance was cancelled 2years ago and I owed £260 I phoned Hastings up and payed the full amount and was told that was the end I recently joined ClearScore and it was showing I had missed payments of £67 pound for 2years this was Hastings insurance so I have messaged them and ask for proof of the telephone call and…
Dead Happy - who took it over?
Hi guys, hoping for help. I took out a Dead Happy policy in 2022. I only realised they had stopped trading last summer when I couldn't log in, I've had no contact.The premiums are still being taken by Covea but I can't get any response from them. I checked out Shepherd's Friendly (who are advertised as taking it over) but…
Question with insurance incident/claim
Hi I have an issue. In 2022 my catalytic converter got stolen. I contacted the insurance about it but never went forward with the claim. I tried taking insurance out today and the insurance company mentioned that there is a non fault claim about it. I am not happy at all as didn’t go forward with it. Admiral say oh that it…
Vitality - new "Play" rewards
Not sure if anyone else has Vitality Life/Health insurance - would be interested to know your thoughts on the new rewards experience they've introduced from this week. For me it's probably the final straw. Around a year ago, earning 40 points a week would get me Amazon Prime membership fully paid for, a cinema ticket each…
Car insurance settlement
Mum was reversed into on Sunday and has now received a written off settlement from IMS. I have seen comments on social media saying never accept first offer. The car was low mileage but did have some wear and tear. It is 10 years old. I have told her to wait till I can find out a bit more before we accept an offer. Any…
Building Insurance Issues after Full & Final Settlement
Hi everyone, I wonder if someone can assist me with understanding Full & Final settlement and assist me with the situation I am in. Background: I had a water leak which was timely reported to the building insurance upon discovering and fixed immediately to limit damage. However, this leak was hidden leak, and this caused…
My insurance claims i have made a claim when i have not. How do i renew or move elsewewhere?
Three months ago my wife tried to call our insurer (Policy Expert) but kept getting put into queues and so decided to go the automated online route. The route was very limited and so, for a floor that was a bit wobbly in the bedroom and is located next to the en-suite she could only find the option of burst pipe. Her logic…
Critical Illness Payout
My husband has been diagnosed with terminal cancer. He has a critical illness policy with LV and Aviva. The LV was taken out before the Aviva in May 2022. At the time of taking out the Aviva policy the nurse registered a slightly raised blood pressure, this was then followed up with the GP who just said fine just need to…
Getting a home insurance quote
Hi I am a 1st time buyer. I was trying to get life insurance and critical illness cover with legal and general. When they ran through the questions they declined me for critical illness but would cover me for life insurance. So I went elsewhere and have got life insurance and critical illness cover. Now I'm trying to get…
Vehicle Insurance Question....
I have 2 vehicles on two separate insurance policies, which I'm happy with. Vehicle 1 Registered and owned by me. Used by only me. Only me insured. 19 years no claims. Vehicle 2. Registered and owned by me. Used by my wife and myself equally. Me as main driver on policy, Wife as additional driver. 5 years no claims. I have…

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Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payments this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Insurance & life assurance

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