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Insurance & life assurance

Archives for September 2012

Car insurance renewal
hi, am up for renewal and my current insurer (quote me happy) is coming out the cheapest on the price comparison searches. But the renewal email I got from them is not the same, is more expensive by £100! Same details submitted for both Can I wait till my insurance runs out, then sign up again as if a new customer? Or am I…
Income Protection Pay Off
Hi, I have a personal income protection plan that has been paying me a monthly benefit, because I cannot work due to illness, for the last 8 years or so. The insurance company have just completed a medical review on me, and have written to me to confirm that the monthly payments will continue. However, they have also given…
Fronting debate
Hi, I'm a new bod on this forum and could do with some help. I am 32 and fingers crossed should pass my driving test at the end of October. I have looked at cheap little cars and found one that I like, a Ford KA 1.3 for £995. I have entered my details for a quote and as I have NO NCD my quotes are coming up @ £1058, if I…
Afterlife banking
Can any forumites with direct experience tell all what happens when a bank is supplied with an account holders death certificate dated before that last non recurring debit transaction on the current account statement. How did the bank react ?
Car insurance query
Bit of a frustrating one this and not sure what we're meant to do. So I had a crash on the very last day of my current car insurance year - just a little one going into the back of someone, everyone's fine and the damage to her car in the late hundreds. I have changed insurance company for my next year and sorted out this…
Car Insurance nightmare over no claim
Hi everyone, just after a little advice from anyone in the know please. last September whilst I was asleep in bed someone hit my car which was parked outside my house. :eek: It did a considerable amount of damage. i contacted the police who advised me they had no reports of any incidents. I then phoned my insurance company…
insurance for rented house with previous subsidence
hello i own a freehold house that had a subsidence problem on a part of the house (the garage which was later converted into a kitchen) this happened around 15 years ago and i guess it has been underpinned. when i purchased the house i was told all of this and had a structural survey and there was no signs of returning…
medical condition
I am able to get travel insurance through my bank but i have been diagnosed with a URETHRAL CARUNCLE which is a benign lesion to the entrance to the bladder. I am awaiting the removal of this. But i fly in eight weeks time and the hospital said i will not get in before that date. So i am trying to declare it to through a…
(Free ?) Breakdown Cover
I need breakdown cover for my 1 year old car - I was covered by RAC for the first year. I have been offered RAC comprehensive cover for £129 for the next two years - which is tempting but still too much I read stories in this forum of people using discounts and cashback and end up getting cover for less than zero - ie)…
Private Health Insurance - Advice?
I've been browsing through the private health insurers in the UK and am struggling to find a recent bias-free comparison between the providers. I've been looking at BUPA & Pru Health - but Pru Health don't seem to have many facilities close to me (Writtle, Essex) so have been leaning towards BUPA. Are there any major…
decreacing term assurance with criticall illness cover without profits
please can anyone help ! im sooo confused we were told to take out the above with legal and general through a mortgage advisor who told us that because my husband had a pre excisting condition it would be the safest move to make to protect our self financily then if any thing happens in the future we will be covered, also…
Defininition of parking
In regards to car insurance. Overnight my car will be parked in a secure gated communal car parking spot. Which of the following, would you say, is the best description for this? Driveway, Street, Residential Parking Area, Car Park
Chaning address - car insurance
I've a question about car insurance. I've only 3 weeks left on my current car insurance. In a few days I will have a new home address. However, for at least one week my car will be parked overnight at the address my insurance is currently registered under. Does it invalidate my car insurance if I do not tell them that I…
18 Yr old in not fault crash....no chance!!
I was involved in a car crash a few days back now where a man cut across out of a lane and partially into mine around a island. He then immediately had to stop because of lights on the island. By the time i hhad braked it was too late. The damage was the the front right hand corner of my car( including the wing mirror) and…
encore home emergency/phone no. query
hi, would be realy grateful if someone can help, cant locate my documents and cannot find contact no. for encore home emergency . have googled, 0870'd etc but no luck any help appreciated thanks
Car insurance accident - not at fault - write off help
Hi everyone, 3 weeks ago my car (09 Toyota yaris) was driven into the back off by a third party who has come out and accepted full responsibility, roll on 2 weeks later and my insurance company(endsleigh) have deemed my car a write off which I thought would happen. Since then I've been out and bought myself a new car…
DVLA reckon not insured
A few months ago the DVLA contacted me saying that my car didn't appear on the National Insurence Database, I contacted them with the policy number of my Admiral policy. At the begining of August they sent me another letter saying that I was being fined £100 for not being insured. I contacted Admiral and between me and the…
Car insurance issues
My fella is a British citizen and driven in the USA on a full licence for over 23 years. He lives in the UK now for 12 months and passed his UK test in June this year. We bought an old Fiesta and had to put him on his dads insurance and now his dad has decided he must get his own insurance. Best price we could get was…
swift cover just charged me £20 admin fee for a policy 18 months ago
January 2011 i bought a Volvo 940 swift cover were quick and cheap so went with them after 2 weeks i got a letter asking for proof of no claims, unfortunatly i hadnt had a policy in my own name for over a year so had effectivly lost my no claims suddenly they wanted an extra £540 so i cancelled which cost me £40 and have…
Car crash in march 2011, Claim form through the post today!
Hello, I'll start off with a bit of a history. In March 2011, I was driving up to a junction slowly, and thought that the car in front of me had gone while looking to the side (for other cars) and crashed into it. Damage to the car in front was extremely minor; no more than a few scratches to the bumper. Anyways, we…

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Insurance & life assurance

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