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House insurance and SUBSIDENCE
Hello, I think we may have subsidense. We live mid ter in a 100+ yr old house. In the side passage there are some cracks running several feet. It has been like that since we moved in 5 yrs ago and was not picked up on the standard mortgage report. I have just stripped some wall paper off a bedroom and found an alarming…
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Life Insurance
Although my husband and I have life insurance, it will run out in 5 years time. My children will still be dependant on us then. The same company we have insurance with will not offer us more life cover because 16 years ago my husband has had heart surgery. However they did not refuse us then, maybe it was because he was…
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Car Insurance Compensation
Hi just wondered if someone out there can offer me some guidance, I was a passenge in a car accident back in December when we had the really bad weather. I suffered whip last and a sprain/pain in my hand because at the time of the impact I was texing and my phone shot out of hand into back of the car, we had to wait 3…
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Insurance renewal-named driver accident
I am named as second driver on my wife's car. I also own my own car , insured in my name, in which I had an accident which was my fault My wife' insurance is coming up for renewal which can be done easily on line but there is no option to declare my accident doing this. Do I need to declare it as the claim was on a…
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Basic Level Term Life Assurance question
Having read Martin's guide to life assurance, iv'e been looking at on-line quotes. However a lot of sites are offering Level Term Life Insurance. Is there a difference between Level Term Life Assurance and Insurance? They're both fixed term and both fixed payout sums, so it's the same thing right? Is it just because some…
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Pet Insurance advice plse. Changing from Premier to Standard =£13 saving
Hi all, I have M&S premier pet insurance. I have a CKCS who has an ongoing condition of stomatits (gum disease) so therefore I cannot change insurers! :( I've had the policy since 2008 and paid £26pm. Got my renewal today and it's gone up to £33pm! :( Spoken to them this morning and there is no moving them on this price,…
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travel insurance - waiting for diagnosis/tests
Hi, We are getting married in Mauritius in May, and have to pay the balance of the holiday on Monday. We have been holding off buying our travel insurance, as I have been unwell and have been undergoing tests via a neurologist. Unfortunately I have not yet been diagnosed so some insurance companies will not insure me yet.…
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Calculating factors of Home Insurance Policies
The certain international and domestic insurance companies in India provide instant home insurance policy quotes to clients. The home insurance policy considers numerous factors keeping in mind: • Property Rates or Valuation • Property Location (city or hub) • Property Area (sq. ft.) • Property Age or Durability Points to…
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Blocked private sewer - too claim or not to claim?
Hi all Bit of a "situation" and I wondered what people's thoughts were...some Inspection Chambers in some of the houses adjacent to ours recently chucked out raw sewerage. Neighbour called drain dr (I wasnt around) and they promptly came (so would I for £165!) removed the offending weeds from MY Inspection Chamber and all…
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Has taking Statins increased your Travel Insurance Premium?
My sister has just taken out Travel Insurance and after having got a reasonable quote from Direct Line then read that they should be informed if there are pre-existing 'circulatory' conditions. My sister has been taking Statins for 4 years now after having a Health check it showed that she had above average Cholesterol…
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Contents Insurance
Hello people I have had a quick wizz thru the recent posts and searched for my query but I don't see any or anything that leads me to a conclusion to my question. Which is: Do I really need accidental damage cover? Thankas in advance of any opinions voiced :D
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Car Insurance Query
Hi, I am working in Brighton as a Teacher and I come to London on a few occasions. Can I insure my car at my Brighton address but have post directed to my London address as I am there sometimes. The car is at the Brighton address majority of the time and kept there overnight but I do come to London sometimes. Do I have to…
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Car insurance cancelled following accident
Can anyone advise me please? I took out car insurance with One Call Insurance last September and paid for the full year upfront. I had had one accident in the previous 5 years at the time of the application and declared it. I had another accident a couple of weeks ago which they dealt with quickly and repaired the other…
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Ames insurance claims
Dear all, Please can someone give advice please:T At xmas i had a bump in my car and claimed on my insurance my excess £295. I received a hire car from a crash repair centre. They offered me a excess waiver to pay costing £47 i declined. Then a week later the hire car was a victim of criminal damage , i had witnesses to…
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Can anyone offer some advice
Hi All I took out a policy to cover me against accidents etc with Combined Insurance Company of America. This was in March 2009. I Checked their website as a matter of interest at the end of last year and discovered that the policy is only valid in Northern Ireland. I live in Scotland. (although I was in N. Ireland on…
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Life Insurance/cancer
Hi, I am looking for life insurance for my partner who has a non life threatening cancer, and we need to get some sort of insurance going. We did have some a couple of years back, but recession, blardy bar took its toll on our finances :( I have been quoted 18.00 per month for me 14.00 per month for my partner plus an add…
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buildings insurance query
my mothers house has now been given to me she contacted a solicitor and as she owned the house outright she tranfered the deeds to me now the house insurance is due and the company is saying the policy cant be left in her name although she is the only person who lives there and still pays all her own bills all other…
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Is this excessive - broker commission
Two mortgages property 1/95k property 2/178k Both interest only, so level term. Property 1 mortgage life insurance Property 2 mortgage life insurance Both set to run for ten years, although property 1 will be sold and clear property 2 mortgage within 2 years male 52 smoker (stopped 4 months ago) female 45 non smoker Policy…
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really don't know what to do - re Life & Critical illness
Hi all, just wanted to know if anyone has faced the same problem with deciding what to do re the above. My Life and CIC is costing us £130 a month - I am looking to change but it seems CIC is what pushes the prices up. I am considering just going for life - I would be saving £100 a month which is our current financial…
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Can I take out phone insurance after 6/7 months?
Hi, I have a iphone 4 and I have never bothered to insure it, quite simply because it was an extra expense I couldnt really afford and I keep it attached to me most of the time anyway! However in just over a week I am going to South Africa and want to take my phone with me and I have a feeling if I dont insure it I am…
