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Windscreen Chip Repair Claim - Declare?
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Mortgage Ins question
Clarification required please. (This was an old product set up years ago so no need to advise on suitability now etc.) Assume a policy that was intended to cover the monthly mortgage payment each month, was taken out at the start of the mortgage. This policy included: Initial Life Cover (amount equal to the total amount…
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Inheritance Tax - Cheapest Intervivos Gift Insurance
I am looking to take out what is known as gift intervivos life insurance. It is designed to cover inheritance tax liabilities related to gifts that have been made within a person's lifetime. As such the cover amount reduces between years 3 and 7 of the policy. The policy has a 7 year duration. I am not finding any…
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Car Insurance - which option works?
I had an accident on the 12th June 2007 - which was my renewal date (and my birthday) My renewal is coming up so i'm shopping around - I have 7 years protected no claim bonus. If I go to another company does my 7 years transfer to them even though the accident happened in the 5 years. Would I have to declare this accident?…
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Advice re buildings insurance
Mum signed her house over to us a few years ago and we have never given it much thought until now (she's in her 80's). Main query for now is that she's always lived there ( rent free) as the homeowner, which technically she's not,and has insured the house herself.Is this allowed or do we as the homeowners have to insure…
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Threatened with some charges for refusing to pay
I recently took out a motor vehicle insurance through a company called DNA.This was my second vehicle and among the items specifically discussed with the adviser was that I did not want my no claims bonus transferred to this second vehicle.I was asked by the advisor to nevertheless declare how many years NCB I had which I…
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No Fault Claim sends car insurance through the roof???
Hey everyone. I have been looking at buying a second car as I currently have a company car, but want something a bit more fun to drive. I was looking around at insurance quotes on all the usual comparasson sites as you do. In Sept last year another driver drove into the back of me (in my company car) at a set of lights and…
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Home Insurance Query
I've got a relatively simple query here I'm sure, but I just can't get my head around it. I've obviously insured my home for years, in fear of theft, fire, accidental damage etc, but up to now never had the need to claim. Last night my games console suffered a rather well known failure involving red lights. What I'm…
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Trave Insurance
Hi, My parents were recently on holiday and had travel insurance for 90 days. During those 90 days my mother fell ill and had to be hospitalised whilst abroad and subsequently recuperate for weeks, before being reptraiated to the UK by the insurance company. However I had to upgrade my parents insurance for a further 30…
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maths help needed!
i need to work out how much of my roof area is flat.in a percentage. the main tile roof is 37.63 m square. the flat roof of an extension is 20.24 m square. so the total roof area is 57.87 m square. how do i work out what percentage of the roof is flat???? (its silly because most tiled roofs go up and down, and can have 2 -…
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Help on Life assurance complaints?
Hi, I don't want to post all the details (I tried but my browser deleted it all before posting!!! :eek:) so I just have a general query. My parents think they've been mis-sold a life assurance policy. They complained in 2004 but after having the complaint turned down thought that was the final decision and didn't take it…
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Travel Insurance Questions - Pre-existing medical conditions
Hi I need to take out travel insurance for my short trip to France in a couple of weeks but I am really confused regarding the disclosure of pre-existing medical conditions. Firstly I do not want to be covered for any of my pre-existing medical conditions as they are so minor and I do not believe they will be an…
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Change in Circumstances is it possible to get a refund?
Hi, I'm currently about to graduate from university, and will be getting a car. However I don't currently have a job lined up for when I finish, so naturally I will have to put 'unemployed' on my car insurance. Which from my research makes a substantial difference to the premium. Hopefully within a few months I will have a…
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Life assurance and smoking questions
Just filling out an application for joint decreasing term assurance with Aviva (designed to cover a small-ish mortgage should one of us cark it in the next 25 years), and there's some difference between the questions asked of me (male, aged 40) and my partner (female, mid-20s). We're both applying as 'quit smoking in the…
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RAC Insurance - NEVER EVER AGAIN
on the 26th April i took out car insurance through the RAC to start as of the 28th April - i have been a breakdown customer of theirs for years and thought they were a reputable company so was happy to take out their car insurance. I had a bump in July 2010 whilst insured with Auto Direct The accident was not my fault and…
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Transfer car insurance to new car
Following full settlement after Fire Damage I tried to transfer insurance (10 months left) to new vehicle renault scenic - but broker said have to take new policy out and still pay for current 1 as it is people carrier - not able to afford 2 premiums - can anybody advise please???
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admiral albany assistance all over finally :)
well just hought i would do an update for anyone interested in albany assistance and or my experience think there were a couple of people that had read my posts a while ago. Anyway had car accident last year not my fault admiral passed me to albany assistance, they got me a hire car at high costs and the other side refused…
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insurance claim refusal
My home was broken into on wednesday this week and when I tried to claim on my tesco home insurance I was told that it was invalid as the porch (which is an addition to the house) was not locked even though the front door had all the security stipulted in the policy! They used the term 'final exit door' in the…
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I can't believe this!!!
I phoned Elephant car insurance earlier to offer to bring my account up to date after missing a payment due to lack of funds. They said not to worry, they would just reapply for the debit on the 18th. The guy asked if I would like to register for online which I assumed was a way to manage my account online (much like…
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Any Aviva Employees (or other Insurance Employees)
Hi there, I would like to know if there are insurance company employees, in particular Aviva, where all staff are trained to 'SAY NO'. Now my definition of 'SAY NO' is specifically directed at staff trained not to pay out - whether that be Personal Injury or Car Repairs. I was hit in the rear by a person insured by Aviva…
