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Insurance & life assurance

Archives for November 2006

Zurich Car Insurance - Expensive?
Have 4 years NCB and they want to charge £850 for a 2000 Mondeo fully comp? Direct Line offered £633, that was the first place I looked. Zurich simply said "well, maybe its not as good a policy". No effort to match it at all. Thanks for listening, rant over. After 4 years, im taking my wallet elsewhere :)
Life after subsidence!
Hi Can anyone help over a problem my home contents insurance please. 3 years ago we noticed a crack in our external garage wall (garage is attached to house, but as a 'lean-to' rather than a proper attachment). Insurer sent their engineer, and the damage turned out to be neighbour's tree. Tree was taken out, we paid for…
New Driver Insurance!
I've just goten a car. It is a low value, only £250 - £300 I imagine. I have taken a look in Martins Article [ http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1092813037,41960, ] That has been great, but I was wondering what tips anyone had for a NEW DRIVER, only 18 and a half!!? How can I get the premium down?…
3 Points, tell insurance company?
I am a named driver on my wifes car insurance. Have just picked up 3 points for speeding. Does this affect the insurance policy? Do I have to notify them?
MPI and redundancy-is there a problem if given a lot of notice for redundancy??
Hi My mother in law is being made redundant next year and is not quite sure when her job is coming to an end, but she will have been given at least a year's notice, if not a bit more. She is expecting her mortgage payments to be covered for up to a year by the insurance she has for protection against redundancy. I am…
Home contents insurance. Help needed
Home contents insurance. My son and two of his friends are moving into a rented flat in London. I looked at some insurance companies and was unable to get a quote due to his sharing. What is the best way to get around this problem and any advice on companies that do this type of insurance?
Temporary Car Insurance? Help Required!!!
I am a student currently at uni and when I return home I would like to use my car. Does anyone know of a company that does car insurance for short periods for under 21s?? Many thanks, Tom
Car insurance query
Hi everyone, I have until now been driving on a policy as a named driver but now want to get my own car and policy. There have been two no fault claims on the policy and I was driving both times. Now then when I come to buying my policy will I have to say I have had two claims OR will the claims be by the policy holder (my…
Tesco Life Insurance - £50 promotion loophole
From information sent along with Tesco Clubland Statements "Take out Tesco Life Insurance by phone between 6th November and 31st December 2006 and we'll give you a £50 Tesco Gift Card". Phone: 0845 300 5660 Tesco send out this £50 gift card to spend at tesco after you have paid for you first months premium however the…
Tesco's Car Insurance
Hi, Thought I would share this. We currently have our car insurance with Tesco's, the renewall came through this morning for £371.00 for next year, after a quick search on the internet, I found More Than to do it for £240.00, a big saving. Phoning Tesco's, they were trying to match the quote, but they couldn't said they…
had an accident? you lose only 2 years no claims!
i had an accident and the insurance company said it was my fault, what they did not tell was that i lose only two years no claims. i assumed that i had 0 years no claims so paid a hefty price increase when i search for insurance. this year i found out that it is standard across most insurance companies that you only lose…
Second Courtesy car
Two weeks ago I had a car accident which was not my fault, I've been given a courtesy car by the garage but today I had another accident someone drove into the courtesy car, so again not my thought I phoned my Insurance company and they arranged recovery and told me to ring back on Monday to go through the claim. When I…
Burgled - Insurance woes
Whilst away on a short break to New York, some Ba***rd decided to rip the hinges of our back gate from the brick work, rip our security lights off the wall, crow bar open the french doors and then methodically ransack our house, to the point of tipping up tea pots and taking unopend mail. Then on their way out, pulled the…
Building Insurance help needed.
I tried to make a claim today on my buildings insurance with the Halifax. Needless to say they turned me down. I have lived in this house for twenty years and paid them insurance for all this time without making a claim. Now I need them they don't want to know. What happened was that last night our light in the passage…
car insurance: why do I have to get proof of no claims bonus?
hiya, I recently switched insurer.I have 2 questions: #1 Old insurer wrote to me and told me that I have to return insurance docs? Do I have to? Surely an insurance doc that is out of date is of no value to anyone. #2 New insurer are asking for me to send proof of no claims bonus? Why do I have to do this?Surely, in the…
House contents can be very expensive to replace
This is a most unusual post in that you may end up paying more not less for your house contents insurance, but I'd prefer you to know about this. I took a rough guess at the value of my contents, then found http://www.hiscox.com/calculator/ which gives their valuation based on simple criteria. I think their value is over…
temporary life insurance?
Is it possible to take out life insurance for say a term of ten/twenty years but cancel it after two? Would there be any penalties? The aim is to provide a little security for my family during an unpredictable two years. Thanks
car insurance , lost proof of no claim
i change my car insurance every year to keep premiums down. this year i got out my current insurance certificate which expired 30th october, renewed online with a new company, and inadvertantly threw away the certificate which just expired. now my new insurance company wants proof of my no claims and i cant remember who i…
Claim for water damage
Advise needed Hi....I have made a claim on my insurance for water damage due to a radiator leak in my living room. I was away for a few days and when I came home I found that the water was about 3 inches deep. The insurance company had instructed a cleaning company to clean up the room, also to remove the chesterfield…
Car Insurance Claim - Please Help!
Hi, I need some help. I accidentally reversed into a stationary car the other day. There were some very slight marks on the other car - but apart from that there didn't seem to be anything else. The other driver wanted to get his car checked out a garage and get a quote for repair of the scratches - and possibly check that…

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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
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
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 low-income 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.
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
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
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
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
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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