-
Overpayment of pi?
In short I had an Car wrote off accident and got paid out last year on car in one cheque and another year later 2011 I got another cheque for injury. I remember the cheque was from the third party insurance as it had thier company branding on it as i got a photocopy of it. This year 2012 I get a letter from my solicitors…
-
Minor accident & worried about no claims
Hello - wondered if anyone could offer help/advice on this one? Few months ago I had an incredibly minor 'bump' in supermarket car park. Other driver had come in from wrong direction as I was inching out of my space and caught me from behind. We stopped and spoke, all seemed amicable and agreed next to no damage so no need…
-
IFA income protection question
I am not sure if I have posted this in the right board - if I have not I would be grateful if someone could let me know so I can! In 2009 I set up a income protection plan via an independent financial advisor. I was just wondering - if (hypothetically speaking) the IFA went out of business, I assume this would not affect…
-
Scot Provident trying to get money but I sent cancellation letter
So back in January I decided to leave Scottish Provident for Legal & General. I spoke to SP on the phone and once the adviser couldnt offer me whaty LG could he said just send a letter stated yourt wish to cancel giving 1 months notice then cancel DD. I sent the letter saying 'I give one months notice and wish to cancel…
-
Insurance offer for my cooker
I bought a Kenwood cooker one year ago from Currys. As usual, the salesman pushed for me to take out an insurance policy - which, even at the 'reduced' rate he could offer at time of purchase, was about one third of the cooker price. As these policies start at time of purchase, when the cooker is already covered under the…
-
Insurance Claims
Morning All Just wondering what everybody does with there items after an insurance claim has been made for water damage or accidental damage. I have a TV that i have been paid out for due to an item falling onto it and causing a scratch. Ive been told by the insurance company that i can dispose of the item but does anybody…
-
Trader insurance cover
Hello, i have a small company 1 van, personal car and i am getting a new motorbike next week. I am thinking to get a trader insurance but not sure if that will cover me for all of these. I do auto electrics part time and domestic electrics also. Any ideeas what i can do and how much i will be paying ? I am 24, no NCB And…
-
Risks of using a named driver
Hi everyone, I am a sole trader and have to undergo surgery shortly. I want to employ someone p/t to operate my business whilst I am recuperating. They will use my van and I assume that I can place them on my policy as a named driver. I would like to find out what the implications would be if this named driver broke the…
-
Aviva v D/Line?
Have just had my D/Line renewal quote through for B&C insurance; £300 for the Plus policy. It would be £250 as a new customer online. Rang them up and a tailored quote would bring it down to £200 - slightly reduced cover which I think I'd be happy with. However, the online Aviva quote on a like for like basis as the Plus…
-
Been had by Car insurance Scam claim & need advice
Few weeks ago I got caught in what I believe now to of been a setup accident, first car sped off, middle car old/dirty micra, exchange contact details and that was even a bit suspect although all said we were all ok and only driving 25mph at the most, no damage all driving so slowly any way, as not long off a set to…
-
Rsa echoice. Be aware...
My experiance with Echoice!! Where do i start, after having to renew my insurance, i went on the internet and thought echoice were doing a good deal, so decided to fill in the appropiate paperwork on line. Once i had entered all the details and got to the checkout after paying my £50 deposit and setting up the direct debit…
-
What counts as a bedroom??
Hi all, I've just bought a 6 bedroom property and have noticed a lot of Insurance providers only cater for houses with 'up to 5 bedrooms'. There's only two of us in this property and we intend to convert one of the rooms into a walk in wardrobe, so I'm just curious when the Insurance companies ask how many bedrooms I have…
-
car inurance-HELP!!!!
I've just taken out a car insurance policy with an insurance broker which isn't due to start till next week. I have just recieved my policy details and the proposal form and after reading the reviews on the internet of the insurance group i would be with i have decided i dont want to go ahead as the reviews are awful. I…
-
car insurance
I've just taken out a car insurance policy with an insurance broker which isn't due to start till next week. I have just recieved my policy details and the proposal form and after reading the reviews on the internet of the insurance group i would be with i have decided i dont want to go ahead as the reviews are awful. I…
-
whiplash claim
I got hit by a lorry last year and was injured and made a claim. I have had accident before but never claimed even though my shoulder was injured, I do not like making claims but this time I was off and I had a phone call and from there it happened. This is really dragging had a medical and the claims department put…
-
Car Insurance - is my son's NCD going up the Swanee ?
The problem: A neighbour's MPV was parked outside my house without moving for a week and my son parked his own small car next to the MPV. A couple of days ago we were woken in the middle of the night as the MPV was a blazing inferno and the flames spread to my son's car. The flames spreading to my son's car were modest at…
-
Car Insurance -what effect do these have on our NCD ?
Would appreciate any info on: (1) If I have a 6 year NCD and I make one claim, is there any consensus on how many years NCD I have left e.g. zero, 5 or somewhere in between depending on the size of the claim. (2) My wife has 2 years' NCD but has now sold her car and cancelled the car insurance. How long will she be able to…
-
Car Insurance problem!! Help!!
Hello All, I am wondering whether anyone can help me with a dilemma I have with my car insurance. Ok, I have done a search and found that I can reduce my car insurance premium by approx £450 which is crazy. I want to change insurers as it is a very simple decision to make. My problem starts here. Yesterday my car was hit…
-
MOT expired the day of accident-help!
Just wondering if anyone knows whether my MOT expiration will affect my claim - the date of expiry was 19th Feb and the accident happened (total loss - no injuries - due to icy conditions so noone at fault) at 1.30 am ON 19th Feb - will my insurance still be valid? The car had been fully serviced and prepped for MOT by a…
-
Buildings insurance claim question
Trying to cut a long story short... A Fire Engine trying to turn round reversed into the corner of my property last June at around 7pm, catching it just under the roof as it is single-storey. It lifted the roof slightly, cracking the plaster inside and dislodging some bricks. This part of my property is a holiday cottage…
