-
domestic & general washing machine right off
I am hoping someone can help regarding an ongoing claim with domestic and general. I have a Hotpoint washer dryer that has been written off as it is not economical to repair. They want me to replace it with another Hotpoint, Indestit or creda as they are part of the same group. However I dont want any of these brands. I am…
-
Home Insurance (contents) - accept settlement or not
We were burgled in October 2012 and finally the insurance company have managed to try and settle the claim. They have offered just over £7000 if we want to replace the items but only £3500 if we accept the monetary value. When we spoke to the company yesterday the person said it was either accept the money or lose the…
-
Accident on the car park
Please advise: On the hotel car park my girlfriend stupidly pressed accelerator instead of brake and smashed the door (like those silly moments videos). Who should be in charge of the payment? Is it better to solve it directly, or with insurer? Tried to solve the repair with hotelier directly, but what if he asking me to…
-
Refused Insurance from renewal date.
I deal with the insurance policy and most other financial products on behalf of my Grandmother. As she is getting older & struggles to fully understand what is what ( though it is all confusing anyway ) We recently ( August 2012 ) made a claim for a stolen iPad we had police reference number etc & what evidence I could…
-
law advice
in December 2011 my wife was driving her car and skidded on ice she skidded into a neigbours fence broke one upright and a couple of dozen lats, the fence was old and in a state of disrepair never seen a coat of paint for years, all she did was crack the number plate on the car, it was obviously her fault so not wanting to…
-
Travel Insurance Problem Help Required
I have a complaint with a company called "Travel Claim Services". I sent them a initial Complaint letter, which they acknowledged. I then sent a more detailed justification of my complaint. This has not been acknowledged I have also sent the letter by e mail to them & again this has not been acknowleged. I have phoned them…
-
Commercial Vehicle Insurance - Cancellation Fee?
Hi, My brother sold his van a while ago and phoned his insurers up to cancel but was told by them to call back later. He forgot. He has since received a letter from them about his insurance renewal so phoned them to try cancelling again and now they are willing to cancel his policy but told him there is a £50 cancellation…
-
Decreasing Term Assurance with Critical Illness
I moved house a few years back... and with everything that was going on insurance was the least of my worries. I got a decreasing term policy with critical illness cover for myself and my wife... which costs around £130 a month. Now the dust has settled and I'm looking into ways to save money or pay off my mortgage…
-
Loss of earnings following car accident
Hi everyone, i'd appreciate some guidance if possible please. Back in May 2012 I had a car accident; I ran into the back of a taxi. Obviously all my fault, everything went through insurance and my car was repaired. All was over with, or so I thought. Yesterday I received a letter from the county court with a claim form…
-
Using your car to drive to work
Has anyone else come across a standard car insurance policy where driving to and from work isn't included? My daughter and her boyfriend have a multi-car policy from Admiral. She received a phone call from them today saying they were taking an additional £289 from her debit card as she hadn't told them she was driving her…
-
Neighbour has Pitch Fibre drain pipe
Currently looking at buildings & contents insurance policies for a house I'm about to buy. My ceramic drain pipe runs into the neighbour's, who has pitch fibre drain pipes. The house sits in a row of 5 terraced houses, 4 including my house is upstream and use the same pipe, which then drains into the public sewer, or at…
-
Is Goodwill same as Settlement?
Dear all, Happy Snow! Query as above. The insurance company has sent me a payment as goodwill payment ( policy sold over the phone as mobile phones are covered but policy booklet received says it doesn't) and the last line reads as full and final settlement of my claim. Please advice; true legal standing would be…
-
Refused car insurance - forgot to tell insurance provider about a claim for replacing
Basically April 2012 i had a crack in my windscreen so auto glass replaced it for me and i paid the excess they claimed the rest from my insurance provider (Churchill) In December 2012 my policy was up for a renewal, I shopped around and found a better quote through a comparison website with More Than. In the claims and…
-
Arrrrrrgh, Travel insurance!!!
I am going to New York with my 19 year old son in June and am trying to get travel insurance that covers medical problems. Had a quote from insureandgo for £151 but when i called they said i had put details in wrong and i'd be £226. I know this question must have been asked hundreds of times but can anyone suggest a…
-
Subsidence "get-out" clause
A friend of mine has asked me to check something out. Her insurer has the following "get-out" clause in their policy; "You will not be covered for damage to, or resulting from, the movement of solid floor slabs unless the foundations beneath the external walls of your home are damaged at the same time, by the same cause"…
-
Temporary Car Insurance - (28 days cover)
So im looking for short term car insurance help. My Mum wants to buy my car off me, so it is agreed that she can start driving it as soon as a sale is completed on hers. We estimate this to be about a month. My car insurance policy runs out in a couple of weeks, so will need to re-insure it, if only for a short period of…
-
I’ve been paid my car insurance excess twice
Someone bumped into the back of me last September, so on my insurances recommendation I paid my own excess of £345 to have my car repaired a week after the accident, which they said would speed up the claim. I then received a cheque from the 3rd parties insurance for the £345 in November, while they were still dealing with…
-
Car insurance at-fault claim premium loading
When you have an at-fault accident e.g. bumper damage sliding into a post in bad weather, how much would the premiums go up typically? Is the loading based on percentage or complex formulae based on the insured parties and their history? I'm just curious what the voluntary excess should be in order to reduce premiums.…
-
Car Total Loss- A Few Questions
Hello Myself & my daughter were involved in a car smash last week. My car is a total loss, the other driver has admitted liability to the police (on mobile phone & speeding). My car is now.....somewhere in the UK! It was recovered from the scene by a private recovery firm, after contacting my insurer (M&S underwritten by…
-
Car accident, not at fault advice, car hire
Hi, my car was crashed into on Saturday. Driver at fault skidded in the ice and smashed into my parked car outside my house. It shunted a good 4ft forwards and has rear bumper and tyre damage. I can't drive it due to the tyre damage :-( I have been ringing and ringing there insurance company who are understandably busy and…
