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Critical Illness Insurance
Please Help. I brought whole of life critical Illness policy in 1996 and my premium was £ 56 with £100,000 sum assured. It was 5% indexation linked so every year the sum assured increased by 5% and the premium increased by more than 5%. This is a reviewable product. No guaranteed product advised by IFA. At 10 year review I…
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Car insurance cancelled? What to do now
Hi There, Firstly thank you to everyone who had responded to my earlier question, for the record the wife ploughed into the back of some one, her fault of course, both cars a write off. Rather foolishly the wife had told the insurance company she was a dog walker, they questioned why there was a load of dog hairs in her…
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Aviva Transfer NCD
Hi I've been on my Parents insurance for a car for the last few years, initially as a named driver while I learnt to drive, and then just after passing. A couple of years ago I became the main driver of the car, and the insurance was changed to match that, but with the policy holder still being my mum. The renewal came…
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Home contents claim - problems with approved contractors
We had a claim on our home insurance about 2 years ago which required quite a bit of work carrying out in our house. Some of this work was a new kitchen, which has since fallen apart. Question is, does the insurance company have any responsibility as we used their 'preferred' contractor? The whole reason we used them was…
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When is an accident an accident for insurance.
Just over a year ago, I slightly tapped the car bumper in front whilst in a traffic queue. We stopped changed details but neither of us was sure if there was any damage to the bumper or not. There was certainly nothing obvious and the tap certainly wouldn't have been enough to cause any injury. It's one of those very minor…
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Car Ins: 0% my fault, but Admiral still making me pay my excess
Long story short, my car was parked by the side of the road and hit by a Van at 40mph+ - he wasnt concentrating. The car was written off, and my insurance company - Admiral - have made me an offer minus the £500 excess that i have on the policy, even though it's 0% my fault! They said that because the other guy's insurance…
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Car insurance - how will this work?
Hi, I recently had an accident (my fault) where I went into the back of a car at some traffic lights. My car has been written off and my insurer have offered me 2 valuations, which I have rejected. When a valuation is agreed on, they will deduct my excess (fair enough), a salvage retention cost (ok) and the remaining 6…
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CPP - Is it worth it?
Hi, had cpp ring the other night as my policy had lapsed. is this credit card protection insurance actually worth having? cheers Rich
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Mobile phone insurance
Hi, my daughter's very nice boyfriend has just bought her a blackberry phone...am thinking she will need to insure it...any pointers on any particular company/price? She is a student and lives in a flat with one flatmate and I dont think her contents insurance will cover it. Thanks a lot!
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House Insurance Renewal refused
Hi, I wonder if anyone can give me any advice on whether I should take this any further.. I have had house and contents insurance with Direct Line for 10 yrs+. The policy was originally in my mum's name and I took it over when she died. Its has probably been going for 15 yrs or more. It was up for renewal on 7.2.12 and an…
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Swinton Building Insurance Cashback
Hi. I'm trying to purchase a buildings only home insurance with Swinton's through quidco. Apparently they have an offer where you can get a £30 cashback cheque on top of the quidco £30 cashback amount. But the code provided doesn't seem valid anymore when I put it into the Swinton promo box. Anyone had this issue or know…
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Does being a NAMED driver on vehicle Insurnce gain 'NO Claim' Bonus?
I am a mature lady, and named driver on our car insurance. Will I be able to show 'NO CLAIM' history, should I wish to purchase my own vehicle at some future date, or, does the Insurance have to be in my name to qualify?
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Aviva credit card surcharge
Just had a renewal email from Aviva for car insurance. They have introduced a 1.5% surcharge for paying annual by credit card!! Are there any other insurance companies doing this now?
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Buildings Insurance Claim that wasn't a Claim
I have my buildings and contents insurance with Sainsburys Bank. Recently we had a structural engineer who suggested our bay window was sagging - most likely caused by replacement windows installed long before we took the house, which were not up to taking the load. I checked our buildings insurance and thought that it…
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M&S Pet Insurance T&Cs
In light of everything happening with Halifax/Lloyds etc. I'm quite anxious about my policy so I have been reading through the T&Cs. I've come across an exclusion I don't completely understand so I'm hoping for some help. I have M&S premier cover (provided by Royal & Sun Alliance) which was taken out as 'lifetime cover' in…
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Storm damage - loss adjusters refuting claim
Hi all My back garden got pretty smashed up by 90mph winds in January. Made an insurance claim straightaway but just got round to arranging a loss adjuster visit following illness (don't worry I'm fine now :) ). I was aware that my battered and broken fences wouldn't be covered (this is a specific exemption common to most…
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Car Insurance questions?
Hi there, I have to renew my car insurance in the next 5 days .. just wondering if someone could advice on the following - 1) how imp is the brand or co 2) I know it depends on individual circumstances but - what is an okay excess 3) are there any co's I should stay clear off .. At present I am getting a good deal with…
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Can car insurers do this ?
Morning all, Just doing some quotes for my other half online.... start with standard setup: car, driveway, business miles, just normal standard quote with me as named driver... cost £803 fully comp, with '0' NCB....... I then put in accidents, and it goes up, so i remove accidents, cost is now £873, so its up by £70 for…
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Public liability insurance advice?
Hi there, I was just wondering if anyone with knowledge could please advise me a bit about public liability insurance? Basically I have just started working for a nightclub photography company which requires me to have my own public liability insurance. It is only a few hours on a friday and saturday night but I do need…
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hi can someone give me advice please ?
Hi I was clearing out some old junk when i found a cheque for a insurance claim for a stolen bike which is made out to halfords .the cheque is dated 1999 and for cgu who are now aviva .can i get this cheque replaced or is it now to long ? regards james
