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Insurance & life assurance

Archives for December 2011

iPad insurance
Hello guys, I recently got an iPad and was wondering what the best way to insure it is? I've been debating whether to get individual insurance through somewhere like protectmybubble or go for a more general contents insurance. Any advice? Thanks
Beating Insurance Renewals?
So this has happened a few times now and I was looking for some advice. Recently I received my car insurance renewal from a well known company. Lets not call them Admiral, no that would be wrong... anyway. My renewal was £330 so I went to check on all the price comparisons to check it is a good deal. The result from all my…
Car Insurance - Unknown Mileage?
What if you're not entirely sure of what your annual mileage is going to be? When I last drove I had a different address and went to a different University, I didn't live with my girlfriend, and did a lot less "driving for fun" because the car was an old bucket that was liable to break-down or kill me in an accident! Now I…
shared house contents insurance
Would appreciate some advice... I am a postgraduate (PhD) student living with my partner in a shared house. We both have a regular monthly income. I've always used Endsleigh student insurance, but since we moved in together the amount of cover I need has increased. It's time to renew my insurance and I'm having some…
Car Insurance address and driving licence address
Have already asked this in motoring as part of another thread, but it may not be clear from thread title. I had a crash on Wednesday, and am accepting liability. I spend 5/6 days a week in Belfast, which is where my car is insured at. My driving license however still has my parents address on it, as does my car's V5.…
Insurance for house not in good state of repair
Hi. My house is an old welsh longhouse. The back wall is set into a hill and is underground and is quite damp. It needs a new roof and could do with a new damp proof course. There are several things I'm pondering: Is it worth getting buildings cover, given that I guess it will be so expensive and I am really struggling for…
Legal expenses insurance
I read an article by Martin MSE that it was often better to buy standalone legal expense cover than include it on my car or home insurance. But despite several attempts on Google etc. I cannot find any companies that do it unless you are taking out their insurance. There is a forum that mentions a company in Ipswich called…
Whole of life insurance advice please!
Hello everyone, I am looking for some advice on life insurance. I am 35 & my partner is 40, I am thinking that it may be a good idea To secure our future. I was looking at a whole of life policy, as I understand it one of us would get A payout hopefully making old age a bit easier! Does this sound a good idea? Or would I…
Missold life insurance - no dependants
Hi I have seen a lot on this site regarding mis sold PPI with mortgages but do not know if this also applies to life cover. When I bought my very first home, a studio flat, back in February 1998 I took out a mortgage with what was then Midlands Bank and later became part of HSBC. I remember being told by the advisor in the…
Small scratch on work vehicle
Hi, can anyone help clarify something for me please? My other half works as a carer. He drives the work bus occasionally. He has his own insurance that lets him drive other cars 3rd party. He scratched the work bus last week, and has just got into work and has been told the insurance company of the bus are wanting his…
personal injury claim
Hi, just looking for a bit of advice. I was out jogging a couple of months ago when my foot landed in a large pot hole, which resulted in my knee giving way and me being in agony. i ended up being off work for 3 weeks (driver) due to this and im now due knee surgery on my knee next week, so another couple of weeks off! I…
Can they increase my premium
Hi Guys, I received a call from my buildings insurance provider today telling me that they are increasing my premium by £25 as I have put in a claim for my garden wall which fell down a couple of weeks ago. Can they do this? The events leading up to this are as follows: 1. My buildings was due to expire on 15 December, I…
car insurance questions - no credit check though
Hello, I am a new driver and have recently purchased a car after passing my practical driving test 3 weeks ago. I am 33 years old and most definitely not a boy racer however the whole "car insurance" situation is causing me some serious head aches. The problem I have is that most of the car insurance companies generally…
Who is my beneficiary
Finally nearly have my finances sorted, thanks to lots of friendly help on these forums. I recently got life assurance from Legal & General. It's all done and dusted but I've just been reading over the documents again and I've realised that nowhere on the form did it ask for the name of the beneficary. Am I being dumb?…
Water leak through ceiling light fitting - what next?
Hello everyone and festive season's best wishes to you all.... I need some advice on next steps for a water leak. I had water leak from an upstairs shower through a ceiling light fitting into the lounge below two days ago. I have three very young daughters who were playing and showering at the same time...(never again !!).…
Disputed Liability
Why oh why this has got this far I don't know. I was hit by someone in the first week on November. 3rd party tried to exit roundabout from wrong lane, side swipe, details exchanged, 3P admitted liability, totally at fault, on my way. Anyway, 3P is now disputing liability 7 weeks later. If there was any doubt, I would drop…
Multi Car Insurance
Multi Car Insurance can amount to savings for the customer. But you must shop around, compare rates and get quotes in writing. Coverage rates can vary for vehicle types and even between post codes. Further avenues for savings include adding a parent to their son or daughters policy. On the whole multi car insurance…
im 2nd driver and broke up with ex and the car owner HELP
thanks for reply, found all info i need for insurance people
No medical life insurance
Hi all, Does anyone know of life insurance companies that offer instant accept policies without medical questions. For example I know that ASDA do it (underwritten by LV). Please note not for the over 50s. Many thanks Happy New Year.
Disclosing Claims on a Car Insurance Policy
Hi, This may seem like a stupid question to those in the 'know' but I need your help! Basically, my car insurance is up for renewal in Jan 2012. I'm currently shopping around for the best deal. A company I spoke to today offered me a very competitive quote that did not include Legal Cover. I explained I would be interested…

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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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Insurance & life assurance

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