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Insurance & life assurance

Archives for November 2006

Life Assurance help needed!
Hi, I'm about to purchase our first home with my girlfriend and am a little bit stuck as to what level of Life Assurance cover we should get. We have a joint income of £37,860 (myself £15,600 and my gf £22,260), and our mortgage is for £124,000 over 30 years. I have no outstanding debts whilst my gf has about £25k in low…
Home/Home business insurance
Hi, any suggestions. We had a good combined one but its gradually gone up over the years and (I imagine) there are more options than when we first took it out. Problem we had was our computer equipment was worth more than most standard home business insurances included and others didn't include business liability Any…
Nationwide car ins renewal - my story
I've been with them for 1 year, renewal letter arrives with 4 weeks advance notice (very nice). Two weeks left to go I got a call from a guy who offered me a discount from 139 to 128, I said I'd think about it as there are a lot of offers on at the moment (P.O. 50 pounds cash back etc). He asked if he should ring back I…
Insurance for self employed - suggestions?
Hi there, wondered if anyone had anyone can advise me on what insurance I should take out? I am self employed and have a mortgage and various commitments and i'm a bit concerned that if I am ill / have an accident I will not be able to pay. Any advice would be appreciated. Many thanks Anna
Home Insurance for Student?
I am a student living in privately rented accommodation (not student accommodation) with my fiance who works full time. We also share the flat with a married couple, one of whom is a mature student doing a masters in business economics. Despite the fact that we are all mature adults in an extremely secure building, and i…
Urgent Insurance Help Needed Following Burglary
Hi, My house was broken into earlier this week, and we are having problems with the insurance company. Our door (which was smashed to pieces) has been secured, but the insurance company wont send anyone out until next Friday to assess the damage, and sort out a replacement (which I imagine wont happen until the week after.…
GAP Insurance for Cars - Bad Experience Warning!
I purchased my Ford Mondeo in September 2005 from Polar Ford and at the time they sold me GAP insurance so that if the car was written off, we would get back the full value we paid for it (less the excess). Almost 5 weeks ago we had an accident whilst on holiday in Dublin and after 2 weeks the insurers (Norwich Union)…
contents insurance - tenant
hi recently moved into a flat which we are renting of somebody we know. There is no tenancy agreement (bit silly i know) but we really want to get contents insurance in case of a break in. Do we need a tenancy agreement to make our insurance valid? Don't want to get it then find out we can't claim if anything ever happens.
Property Insurance in France
I am just about to purchase a property in France, The notaire has informed me that before the sale, I must insure the property. I am looking for advice on the level of cover required and the costs involved, the vendor tells me that he pays 150 euros per year (about £100.00), the closest quote I have had from this side of…
Quidco & Barclays
Hi My dad's home insurance is up for renewal. He is with Barclays. If he renews his policy through Quidco, will he get the £125 cash back, or is it just for new customers? Thanks Jackie
Insurers that take Visa Delta online?
Is there anyone who can help? I went to swift cover as they have quoted me and beat my other car insurance company so I thought great! I went to pay and now ive got to the payment stage and i cant use my visa card as its a delta!!! :mad: anybody know of anywhere that does take iton the internet for car insurance??? Thanks…
Subsidance and Insurance
Had a bit of a shock yesterday when my next door neighbour ( who has just sold his house) can round with the full structural survey his purchasers have just done. The report says that his and our house has subsidance. We are a semi and the effected part is the wall in the middle of the two houses :eek: It will be a massive…
Cost cutting tips - is sharing a good idea?
Insurance works on the very basic principles of statistics, if on average a certain criteria causes people to have lower or higher claims (based on both frequency and value) then an insurer will rate higher or lower based on this statistical evidence - whilst some will then go on to try and explain the variances with logic…
Public liability Insurance
Hi, Help needed please !! do any of you moneysavers know the best place to get public liability insurance from.
Switching Mortgage PPI - Help with the procedure please
Hi everyone, I'm helping my mum switch her mortgage PPI over from Direct Line to Paymentcare as it is a better policy and a little cheaper. In order to not have the 60 day exclusion on the new policy we have to apply for exactly the same monthly benefit as on the old policy (£420). We remortgaged a few months back though…
Legal Cover in Home Insurance
Hi All New here so excuse if this is in the wrong place, just a warning really. Took out insurance via Clarke Roxburgh (as recommended by London and Country) for a new house purchase. Seems they only offer one legal expenses policy with DAS - we have had a conservatory built and are in dispute with the building company. It…
buildings insurance policy question
Im just checking the building insurance policy from the quote we have been given but am confused by this statement - can anyone help?...it says it covers subsidence or heave but then it says it doesn't cover loss or damage caused by structural changes to your home - so what's the difference?
Critical Illness Cover
HELP PLEASE! Husband and I have had life & critical cover with the Pru (to cover our mortgage) for the last 2 years. We've increased our mortgage so wanted to increase the cover. Went to the pru, filled in all the paperwork and they've accepted Husband for both covers but only accepted me for life not critical illness.…
contents ins-any problems with claiming ?
Hello all, after reading a couple of threads about being burgled and problems with claiming against contents thought I would ask a couple of questions for those unfortunate enough to have made a claim? I have started to photograph various items and put these along with any scanned receipts into a database I am keeping at…
Car Insurance Claim
Hi all, was wondering if i could get advice or accounts of experiences. My car was stolen on sunday night. After informing the police and insurance company, the latter (Screentrade.co.uk) have said that they need to interview me (booked for tomorrow 10am for 15 mins) before they can process any further. Can someone tell me…

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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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