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break down cover - france
looking for either good deal on breakdown including france (3 day trip) OR just good value single trip policy?? any tips on who to avoid? quick fit and green insurance coming up cheap - are these ok? i read somewhere that one company you have to pay out for any repairs and then claim back etc?? dont really want to do that?…
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Car Insurance for Sports Coach
My son has been offered a job as a sports coach. Low key, coaching children & adults - no 'super stars' but insurance companies seem to think he will have high profile players in his car & the insurance is very high if they will even quote. How has anyone else managed this problem? Obviously he wants to be legally insured…
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What constitutes a modification?
My car has a number of manufacturer-fitted options. These include multifunction steering wheel, heated seats and rear tinted windows. When I get online quotes the price virtually doubles if I add all these options as modifications. But Im not sure whether I need to declare them as they were fitted by the manufacturer at…
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Takeaway Insurance / cover - Legal Question
Hi, I recently went to a local takeaway with a few friends and were messing about, I shoved a friend and he fell into a window. We didn't notice at the time but apparently the window has a large crack, which it does i've checked. I've been contacted today by the takeaway, they explained what had happened, and they say they…
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car insurance
my car insurance policy has went u again this year,i have a £100 voluntary excess on the policy.i know if i increase the excess the policy price should go down,i am quite wary about making the excess higher what would be the pros and cons of increasing the excess. thanks scott
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Vets MediCover - Pet Insurance
I have just had my first claim turned down with Vets Medicover for submitting my claim more than 31 days after the event. (Hidden in S.26 of the small print) I think this should be a warning for everyone else to avoid insuring with this company as late submission of paperwork makes no difference to the risk and therefore…
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do i need life assurance???
hi. i have two young dependents and i am a single parent. i have been considering life assurance but not sure? im young, fit healthy and have a little capital in the property i currently live in. do i realistically need life assurance 'just in case'? if i was to die,there wouldnt be a lot left for the kids and i dont have…
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Car Insurance - Retired or Unemployed?
My husband is giving up work at the end of March 2012. He is aged 50 and has no intentions of working again. I gave up work in 2009 and receive a private pension and we also receive income from private investments. My question is, when it comes to car insurance does he state he is unemployed or retired? Any help would be…
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Loss of No Claims Bonus on car Insurance
Having recently taken out new car insurance through my existing broker, I was quoted £427 which was accepted and the money taken. I was then told by email that I need to speak to the broker which I did. They questioned where I last held my insurance as they needed to quantify my NCB, and I told them it was with them. At…
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Life Assurance
Hello there, I have an office job and in my contract I have a Death In Service benefit, which is something I haven't had before and not entirely sure how it works. I know there will be a payout in the event of my death, but for that to happen does the death have to occur between the hours of 9 and 5? Thanks, Glastoun
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Home Insurance & Security Endorsments
My house & contents policy came with strict conditions that all doors and windows are locked and keys removed at night and whenever leaving house. Doors are always locked when out, but closing all windows and removing keys seems draconian, would take us an hour a day locking & unlocking, and in the summer I would want to…
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Minor Car Accident - How to proceed?
Hi, Last night I had a minor car accident,and I would appreciate some advice on how to proceed... I was pulling out of a minor road on to a One-Way Two lane street. I was going to cross one lane to end up in second lane. There was heavy traffic in the second lane (the one I was driving in to) and a car had stopped to let…
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Photography Insurance
I currently own £3000 worth of Photography Gear, and with the upcoming release of a new professional body, my accumulated value of gear would be edging upto £6k. I do Photography Freelance and am now starting to get pretty serious in terms of how much work I'm taking on, so I'm starting to look into Insurance for my gear.…
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Car Insurance refund upon death problems!
My father in law died around three weeks ago at the age of 83, he left no will, savings or life insurances and asked me to sort his finances just before he died. As he had no savings and the house was in joint names with my mother in law, Probate isn't required. Due to the simple nature of everything else, we aren't using…
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Insurance/Assurance for legal problems
Is it possible and what do I look for in getting some sort of cover in case I have to take legal action against someone or if I have to defend myself against someone else? I was told that I can get it with house and contents insurance but I want to do it independently. ps I cannot even find it with house insurance!
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Phone Insurance through Barclays
Hello, Not sure if this is in the right forum but I lost my iphone 4 on Saturday and I thought I was covered for loss with my phone insurance through Barclays. As I put on the form I left my phone in the ladies toilets they are saying I have been negligent as I know where I left it and therefore not covered. As you can…
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Which pet insurers cover hip dysplasia for dogs?
Hi all, Really struggling to find this information anywhere. I know PetPlan cover hip dysplasia, because that is who we are currently with. However, I cannot find a resource anywhere which shows which other insurers have it - though I do know they will be small in number. Also, is it possible to switch pet insurers for the…
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Miss sold life insurance?
I have discovered today that my endowment policy included lif insurance but that I was adivised to take out additional life insurance policies. This happened in 1983 and I paid into the policies for several years. Were these additional policies needed and if not can I reclaim?
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Home Emergency Repairs Insurance
Currently use Homeserve for total home emergency situtations. Annual renewal due next week. Been on web trying to source alternative providers, but doesn't seem to be anyone really competing with Homeserve in this market. Open to hearing from anyone who has experience with alternative companies or can suggest alternatives…
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Car Insurance: Claims Quote Question......
When it comes to insurance quotes, am i doing this right ? Back in April, someone hit the rear of my car, minor damage to a degree...... Was an insurance job to fix... However, i told my insurer that i wanted to deal with the claim myself and deal with the 3rd party insurer, and i was only 'notifying' my insurer that i'd…
