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PHI with pre-existing condition
Looking to get PHI cover set up but have a congenital condition (always been stable, annual checkups only, never a day off work for it, basically the same medication since the age of 3 only changing due to height/weight) and so far everyone approached has flat declined. The IFA dealing with it is stumped and doesnt know…
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car insurance query
Hi, Just wondering if anyone can help as we genuinely don't know the answer to this one. My husband and I each have our own car but we are trading in my husband's car for a new one. However, my husband will then start using my car to travel to and from work everyday as I work from home and we want to try and keep the miles…
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House Insurance leasehold property warning
" Sorry dont know how to do this as a quote. 1. toTurn your house upside down to see who covers what. Only freeholders need buildings cover. Renters & leaseholders just contents. Imagine turning the house upside down. If it falls, it's usually contents. If not, it's buildings. " This appeared in this weeks email 29th…
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Mortgage Insurance
Hi, my husband and I have two policies running to pay off our morgage if one of us should pass away, would they both pay out or are we awsting money paying for both??
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Need to claim but don't know how?
Husband calle dme this afternoon whilst I was at work to advised that there was water coming into the kitchen from the abandoned derilict house nextdoor. He called the property company that own the house who said they would get in touch with their maintenance man and get back to us. They didn't!! It seems that a pipe had…
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car insurance when on unemployed
can any one tell me of a good car insurance company that will insure my son of 21 that is out of work. at a good price, just had renewal come through, and its gone up from £737, to £1500, just because he is out of work, its a joke cheers
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Please Please someone help!!
I had an accident on the weekend and I was borrowing my mum’s car as mine was in the garage. I have my own fully comprehensive insurance for my car and I was under the impression that this entitled me to drive another privately owned car with the owner consent and I would be covered third party. The police were called to…
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travel insurance
Father 87 years old booked and paid for travel insurance in july 2011 flying 3 apr 2012 returning 3may 2012 for himself and wife who is 86years.He had total kidney collapse in Dec 2011 and is on dialysis 3 times a week . He disclosed this to travel insurance company and they issued fresh documents on 23 jan 2012.He paid in…
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Car insurance - effect on premium of mileage
Well flippin heck! When I retired I thought the lower my estimated mileage the cheaper the premium. Anyhow - come the renewal I hesitantly told them last years figure was a bit on the low end and I wanted to revise it up. But that I wasn't prepared to pay more than their renewal quote. However, on the contrary they said my…
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Please Ignore
Please ignore
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void insurance disclosure
My elderly father got muddled when switching insurers for his home cover lately and did not disclose a prior claim (genuine mistake, he thought it had happened more than 5 years ago.) The company has since found out & voided the policy. They say that he has to declare this when taking out new insurance. He has asked me to…
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house rebuild calculator - fooled again!
logged on to the ABI calculator for third year running and still forgot -- it does not cover LISTED or UNUSUAL properties ! ! Doh!:mad: jaylo264
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Insurance Claim Question
Hi, In the recent storms, we lost some slates off our roof. The roof is shared by 6 flats. We got a number of quotes (£1800 was the cheapest) and submitted them to the insurance company - they paid out immediately (£300). Since then another flat owner has got a significantly cheaper quote to do the work (£100 per flat).…
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Home Contents Insurance - Jewellery Claim
Hi, I was wondering if you could help me, we were recently burgled and are in the process of going through an insurance claim. With regards to the jewellery, the value of the jewellery is £3343, of which they will give me a jewellery voucher, however if I would like the cash they are offering me £2442. I know that you have…
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Short-term holiday mobile phone insurance
Hi all, first-time poster! I'm soon to be going away to Australia for three weeks and would like to insure my pay-as-you-go iPhone 3GS for just this period. While I'm usual carfeful with it, I'll be staying in hostels and dorms and therefore feel it may be at a greater risk of theft. Ideally, I don't really want to pay for…
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Public Liability & Prof Indemnity - Photography
I need to sort a new insurance policy for my photography business. I need Public Liability and Professional Indemnity insurance. I want to know if people have good experiences with Hiscox as an insurance provider? And, do any photographers/experienced people have any advice on how much I should be covered for on each…
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halifax insurance !!!!!
hi all im new to this but hoping some one can help me in the right direction ive recently had my shed broken in to and a lot of fishing tackle stollen now i thought i was fully covered they have turned round and said that they will not pay out on what they say are 4 items !!!! item one is 3 matching rods item 2 3 matching…
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How long is a 'timely fashion'?
I put in a claim with my van insurance company nearly six months ago and so far I have heard absolutely nothing from them. I've rung them, but they never seem to be able to tell me anything, only that it's still being disputed (duh!) and never return my calls after saying they will. Is this now out of 'timely fashion'…
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Mppi claims
I am currently in consultation for possible redundancy. They have offered alternative employment ie 20% reduction in salary and loss of occupational sick pay but will not guarantee full time hours. At the moment most of the Company are on short time. I have a MPPI with Payment Shield and one of the exclusions is that if…
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MSE News: Proof Lloyds advertised 'life-long' pet insurance before axing cover
This is the discussion thread for the following MSE News Story: "MoneySavingExpert.com today provides evidence Halifax and Lloyds TSB advertised pet insurance policies promising "life-long" cover before axing the products, meaning they were anything but life-long ..." Read the full story: Proof Lloyds advertised…