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Endowment and Mortgage Life Assurance
We currently have a joint mortgage. We are not married. Our initial mortgage was an £80,000 endownment policy. Due to it's under performance, we changed £30,000 to a repayment mortgage. We have since increased our mortgage to £150,000. We are now considering taking out a Mortgage Assurance policy for £100,000. If either of…
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Buildings & Contents for big houses - help!
This is my first post - any help would be appreciated! Does anyone know of any companies who provide competitively priced buildings & contents insurance on big houses? Our renewal has just come through with TESCO. Last year we paid about £400, the renewal this year is for £770! We did make a claim earlier this year for a…
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Can I claim?
Hi My daughter spilt her drink onto some paper work and we didn't notice for a couple of days. We thought we had cleaned it all up!! We have just found that the liquid has caused the ink on the paper work to come out of the paper and has stained? or Embedded itself into our Kitchen table. :mad: I'm not sure what to do…
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Need advice understanding & getting contents insurance please
i think i posted this in the wrong place earlier so try again Hi I really have to get some house contents insurance quickly as i will be going bankrupt soon (actually it will be a lilla that i apply for which is low income low assets ) iam getting help and advise for this on the bankrupcy boards. Obviously when this…
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Please find me the most suitable breakdown cover
Hi there, I've spent all day searching the internet for breakdown cover and am really struggling! My options at the minute appear to be: AutoAid - Very good price however I'm not sure pay and claim is ideal as I may not always have access to the necessary funds! First Call - Looks good and a reasonable price however…
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£25 fee to not go with A&L's recommended insurance
hi we have just recieved,our a&l mortgage offer and it seems we have to pay £25 for the priveledge of finding our own insurance rather than go with their choice zurich. however i rang zurich and they wont insure the property as its near water way and has a flood risk! so ive had to find different insurance. surely we…
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Problems with Life insurance policy. Pls Help!!!
Hi, Sorry I am a newbie to this site so I was wondering if someone could advise me on an issue I am having with my father’s life insurance policy. My dad has had his policy a good few years, and two weeks ago he suffered a stroke, so I contacted his insurance provider to see if he could make a claim as he would be out of…
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Travel Insurance for terminally ill friend
Hi, Just after any advice really. A friend of the family was recently diagnosed with bone cancer which has been confirmed as terminal. They haven't said how long yet but not thought to be anytime soon, plus if you saw them you wouldn't know anything was wrong. Anyway they already had a holiday booked for later this year,…
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Mirrored NCB?
Anyone know of insurers who do this? Thanks
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Exactly WHO can ask to see insurance/mot documents?
I work for a higher education establishment and some of the students go into local schools using their own cars as part of the course. It seems that someone has thought it was a good idea (possibly to avoid a corporate manslaughter charge!) to ask to see insurance/mot of those using their own cars. Are we entitled to ask…
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Unemployment insurance - Two policies and Redundancy Pay question.
I have a couple of questions that I cant seem to find answers for. I would like to protect myself from redundancy only (as I have accident and sickness cover free from work). However the max limits of around £1800 for 12 months which insurance companies provide is not enough. I already have one policy for income protection…
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Best company for Motorcycle Insurance
There are loads out there and I don't know which one to choose for my Moped. I'm doing my CBT test on saturday and I already have my Moped so I will need Insurance when I pass.
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Tesco Car Insurance for Smart Car?
My daughter is going to view a Smart Car tomorrow and has been doing a bit of a search for fully comprehensive insurance and we had a look on the Tesco Website but can't get past the 'vehicle selection' process because 'Smart' is not there as a choice of vehicle! Can anyone in the know suggest why that might be? We've even…
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Insurance Questions bit stuck
Ok, so my my car was struck on 30th april 2009, since then my car has been unused apart from inpsection by our insurers ( quinn ) in which we had to drive to a depot for it to be checked, the car was written off and they offered a payout to cover costs. now my insurance runs 23/july/08 to 23/july/09 with every payment…
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My 1st car insurance renewal
Hi I have had my license for almost 2yrs so come november my probation period ends Now my insurance is with churchill and it was at about £65 a month they have sent me a letter for renewal which has gone down to just over £51. As my husband was out of the country for a few months they gave me his 2yrs no claims bonus. So…
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Mortgage protection advice needed
I need to take out mortgage protection cover the policy that I have got a good quote for has a clause in it that says you cannot claim for unemployment cover within 120 days from the start date. Does anyone know if this clause applies to all mortgage protection policies or if any exist that will pay out sooner as I would…
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FTB - what insurance do we need?
Hi We're a little confused as to what all the different stuff is. We both have life assurance through our works - but do we need separate cover for our mortgage? Critical Illness Cover - is this required? What would be the likely cost? We got one Quote from a Financial Analyst from Nationwide, but we felt very pressurized…
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Legal cover on car insurance and claim?
I'm pretty new to making a claim as it is the first time I have had to make one, but I was recently shunted from behind whilst driving my mums car. I'm with Bell Car Insurance, Fully Comp with 3rd party extension to drive other vehicles. Myself and my brother felt some slight pain from the jolt of the shunt by a large van…
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Question about mum's estate
Sorry if this isn't the right place for this thread but I'm not sure where else to put it :confused: My mum passed away recently and she has left money to my dad, my sister and myself. However the solicitors say they will not release this money until my mum's credit card bills and any other outstanding money that she owes…
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buildings insurance.. how do i answer this?
got to have insurance in place for mortgage loan before we exchange contracts, butdont understand survey details in relation to questions insurers are asking. building survey says there is some cracking and bulging of the masonry on the front and side of the property, which we believe has been caused by old settlement of…
