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Insurance & life assurance

Archives for September 2004

Save a little more with Esure
Got my renewal notice from Esure a couple of weeks ago and after doing the rounds of all the others I was about to renew when I decided to try getting a brand new quote from them. New quote was £5 cheaper than the renewal price (and they would not match it over the phone) so I took out a new policy via Greasypalm and got…
Car Insurance
just need some advice if possible. I am 22 years of age and am on the look out to buy a Ford Sierra RS Cosworth. I currently have two years no claims and three points,sp30, as of November I will be 23 years of age and will have three years driving experience, if things go ok I will have three years no claims in Feb2005.…
life assurance
can anyone help me find a life assurance policy for a diabetic with a heart condition.
Dilema: Term or Family Income
Hi, I have just been trawling the net to find a good deal. I currently have £150,000 term with Equitable Life which has 13 years to run. With Cavendish I found that I could significantly increase the insured amount or extend the term for the same monthly payment and I decided to extend the term to 22 years which is up to…
Home rescue insurance
Does anyone know the best place for home rescue/breakdown recovery, I know Direct line do one but its mighty expensive, anybody else do it?
Permanent Health Insurance
Does anyone know anything about PHI (Permanent Health Insurance). I am an employee with Carpal Tunnel, RSI and Tenosynovitis and work are applying for me to go on PHI. I don't really know that much about it. They said that they cannot promise that I will get accepted, but they are putting me forward and I've completed the…
Pearl Life Insurance
After a bit of help/advice please guys My Mum and Dad took out a life insurance policy with PEARL 5 years ago which pays out a guaranteed sum upon the first one of them passing away The policy runs for 25 years @ £25.21 a month so lets say they both live the full 25 years ,they will have paid in £7563 BUT the minimum…
Insurance - Do we need all 3 types?
??? Hi all, Can anyone tell me whether or not we require all 3 of the following policies: level term & critical illness cover - to cover mortgage. personal income protection - provides income in event of illness. mortgage protection insurance - provides an amount each month to pay off mortgage and other related bills. It…
Young Drivers Car Insurance (2004-2005)
I am trying to find most economical means of getting my two sons (aged 17 years,11 months & 21) insured to drive. Current insurance for self & wife just over 50 years (comp., protected bonus, full no claims) for Ford Fiesta 1.4 Zetec (52 reg) is £230 pa with Direct Line. Their quote to put sons on policy up to July '04 is…
Direct Line - Cut your renewal price !
Hi, For those who are currently insured with Direct Line, this may be of interest when your renewal arrives in the post. My wife got her car renewal through recently and after a look around on the web, the cheapest alternative was Egg after taking off the £50 cashback. When ringing DL, they said that they could not do…
Dinner Service Death - What do you claim?
Hello Sages of the Insurance Pages, I am about to make my first claim in 15 years (for ever really) for a bone china dinner service that was a wedding present and cannot be replaced as it is no longer made. Its extremely annoying as we only used it on special occasions and was still mint - a shelf collapsed in the cupboard…
Landlords legal expenses/rent guaranteee ins
Hi, Can anyone recommend a competitive insurer that provides good cover for either landlords legal expenses insurance and/or rent guarantee insurance. Thanks Draker
Business Insurance
HI guys I am just starting a new business - Thingimijigs that will be an internet and party plan clothing retailer (along the naughty knickers, Ann Summers line) I am looking for Public Liability, Employers Liability (do I need this if only me and hubby own business as ltd co) and product liability - is this necessary. The…
Working abroad
My daughter is about to work on a cruise ship. Can anyone suggest an Insurance Company/Travel Policy that would cover her for a period of upto a year away.
Travel Insurance for Older Persons
Hi could anyone help me please.i'm looking for travel insurance for a family friend.She needs to go to france and wants the travel insurance for a year and she's 76 y.o. Thnaks everyone :)
Car Insurance - Where Do I Stand?
I have been insured for the last two years by InsureYourMotor.com, but was hoping to use someone else this year (especially if I can get a cheaper quote!). I knew that my insurance runs out near the end of September, and was waiting for my renewal quote through the post. When opening my parents bank statement :o , I…
would insurance cover this
my mum may have dampness, would either buildings or contents insurance cover this.
Additions to existing policy
I already have an existing life assurance policy, with critical illness, for 100,000. I am taking out a mortgage for 160,000. Do I need a new policy for the full amount and cancel the old one, or can I top up with a policy for 60,000. Also, if I can do the later, will I need critical illness on that 60,000. Advice…
Income Protection
Hi, I do hope that I am getting this right – I have never been on Money Chat Forum before. I am looking for some insurance to protect my income, in other words, income protection. I would like to buy such insurance in order to safeguard me should I be made unexpectedly redundant. I do not have a mortgage as I own the house…
Motor Insurance. Complex Problem If you like it
Hi My daughter asked me a question and its too hard for me. I wondered if someone would like to take up the challenge. My Daughter is under 25 and has Motor insurance with 2 years no claims. Her partner is over 25 and is insured as second driver for her (their) car. I suppose they will eventually have a car each. Soon the…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
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Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
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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 Payment 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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