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No cover for first 14 days???
Hi, I just wondered how insurance companies can get away with not covering you for the first 14 days of a policy you have paid for for 12 months??? Surely a 12 month policy should cover you for 12 months? I'm just a little confused.
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Insurance for notebook PC purchased outside of UK - renting
Hi I am currently renting (live with 6 others!) and have been told I am unlikely to be able to get household contents insurance. I have a notebook with a replacement value of about 1300GBP and was purchased from Newegg (in the United States). What are my best options for insuring it? Most providers have stated the notebook…
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Interesting Life Insurance query!
Hi all I'm having problems gaining health insurance due to having Whilmes tumour as a baby and raised blood pressure now. I've Done an application with Aviva and they are prepared to give me insurance but they need to get incontact with my doctors to make sure all is ok etc.. This is all good and well but they want direct…
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Travel insurance- is it a pre-existing medical condition?
Hi! I've never taken out a travel insurance policy before, but the OH and I are going to Vegas in a few weeks (eek!) and the thought of paying for US medical care terrifies me! :eek: What I can't quite establish is whether I need to declare a pre-existing medical condition. I have a congenital medical condition that means…
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Life insurance query
I have taken out life insurance in the event of my ex husbands death to ensure our child is looked after. The plan is in his name, but I am paying the premiums. I have received a form which i need to state - the settlor, the trustee and the beneficiary - who would these people be? Is ex husband settlor, I am trustee, would…
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Insurance claim
My wife's car was hit by another driver in October 2011 who pulled straight out into her after dropping someone off on the pavement as she was driving past. Both cars were wrote off and the other driver contested (read lied) the version of events failing to admit liability. We had the usual string of letters from…
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Rear ender
Had someone crash into back of me a couple of weeks ago. Got in touch with insurers (avviva) and they have said they have given third parties insurers (tesco) 14days to accept liability. Not heard from them as of yet. 2 weeks is up Wednesday. Bit impatient but I would of expected to hear something from them by now. I don't…
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Confused about travel insurance - please help!
Hi everyone, I'm going on a 4 month trip in June to Asia, Oz and NZ and am currently looking for insurance. I've managed to narrow it down to 2 companies. The first is Backpacker Travel Insurance.com. Does anyone have any experience with these guys? The policy seems great for the price and they are underwritten by ACE…
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Someone hit my parked car with lapsed MOT (by 5 days)
Hello, The last day for my car MOT was Monday 4 March 2013. Unfortunately my father had a accident whilst out and seriously injured his head the same day! So that day and the next day were in hospital casualty and the next few days were spent working from home and looking after my father and TBH I forgot about the MOT in…
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Car Insurance - New Car on Old Policy?
When changing cars is it generally cheaper to cancel you existing policy or to change it over to the new car? On changing address recently I got stung for "policy change" costs which really annoyed me, so don't want to get hit again!
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Friends Provident / Axa / Friends Life
Could someone please tell me what this could be about, sold my house 12 years ago and moved away, (clean break), I think I had a policy with Friends Provident attached to my mortgage, when the house was sold the solicitor paid mortgage etc off, I have received a letter from Friends life saying they have taken over Axa, Sun…
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Two ASU policies - overinsured?
Hi, I have two ASU policies, at least one of which I've had since 2008 (what can I say, I'm a bit of a worrier!). I've never claimed on either although I have been made redundant twice since 2010. I've always informed them of any changes to address or job. A friend says I can only have one and that both would refuse a…
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Buildings Insurance - Payment taken as 'deposit' against next year's premium??
Has anyone else had a letter from Swinton telling them they're taking a payment 'to be used towards your price for next year'? I received a letter on 28th March saying £31.97 would be taken from my account on 2nd April. When I queried it, at first I was told it was the final payment on this year's premium, but if I didn't…
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travel insurance problems
i have annual travel insurance with aria. I had a skiing accident and submitted a claim for the medical help and for my unused ski pass. The company has treated the claim as 2 separate sections and thus imposed excess of £240 on each claim. The ski pass was less than £240 so they are refusing to pay. Is there anything I…
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Jewellery Insurance Claim
Hi I'm new to this and after some advice please.... I recently lost my engagement, wedding and eternity rings. I've made a claim on my household insurance, but i'm only covered up to £2000, the rings cost in total £3200. The insurance company have agreed to settle at £2000 and i have to purchase the rings through a company…
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Consumer Insurance (Disclosure and Representations) Act 2012
So how will this change insurance and agregator websites from April 2013? Who benefits more? Will premiums change?
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Car insurance gone wrong! Please help!
Hi everyone, I'm looking for some advice for a friend of mine who's got himself in a bit of a situation! - in 2010 he received an IN10 conviction as a new driver. On the date of the offence he came home after he was charged and immediately applied for insurance but did not mention the earlier facts as he planned to appeal…
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Is window repair a motor claim?
Hi I am doing quotes for my car insurance but i got windscreen repair last year. Does this need to be included in my insurance quotes? If so where abouts? When I tried saying I made 1 claim, the criteria for window repair was not there? Thanks
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Multi car and no claims
Are there any insurance companies which will insure two cars and let the named driver claim NCB? The problem is the wife has always been a named driver and has not got any NCB. Having her as a policy owner means the insurance is far too expensive so I've always got her as a named driver as I have full NCB so insurance is a…
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Insurance dates overlap
I currently have separate buildings and contents insurance and there is a 10-day difference in start dates of policies (mix up at renewal time meant I was without contents cover during a 10-day period). Having shopped around now the policy I want to buy is a combined buildings & contents. It means I would have 2 contents…
