-
Insurance for home improvement
Hi We are shortly going to start some home improvement works including moving some steel joists around in the kitchen and demolishing walls. Have got planning etc and builder has relevant insurance but do you think it is worth taking out specific insurance to cover ourselves in an armageddon - bedroom falls into the…
-
Insurance searches on your credit report
Just checked my noddle report, and it shows 4 separate searches by insurance type brokers towards the end of February. Now My insurance was due for renewal on March 14th 2013, and i was really happy with my renewal quote from my existing supplier, so phoned up and accepted this over the phone. I pay my insurance in a lump…
-
Does anybody know if Aviva will price match?
Just had my house renewal through from Aviva. Does anybody know if they will price match another leading competitor? The reason I ask is I don't want to call them, wait forever in the queuing system and they say NO.
-
life insurance question
Hello, I am having a really hard time getting life insurance after having cancer.. I am 7 years cancer free and still cant get a policy. Any advice?
-
Is this classed as cancelled or declined insurance ?
I'm asking on behalf of a friend they got a insurance quote which was accepted and the policy starts next month , then a few days later they received the policy paperwork and a separate letter saying it was being cancelled this was because a claim was made in 2010 when the database was checked ,which was genuinely missed…
-
Car insurance declined - help please
Hi everyone I just renewed my insurance online and then 3 days later got a letter through to say it was declined and I am not insured. The letter said it was due to failing a credit check, but I had paid in full so I rung them up to query this. Apparently it is not a credit check financially I have failed, but that I am…
-
Trailing Commission
Hi, I've just modified a term insurance and mortgage protection policy with LV and noticed they intend to pay trailing commission to an IFA i haven't used for about 15 years. Is there anyway I can terminate this arrangement, transfer it to another IFA who will share the commission with me or even better just pay it to…
-
Help understanding no claim discount
Hi, my Father has just asked me to renew his insurance but I'm confused regarding his no claims discount. He is currently with Aviva and had 5 years plus ncd however about a month ago his tyre burst and he damaged a park van. Details were given to Aviva but he heard nothing more, his renewal has just come which says 3…
-
Life Insurance and Ex Smokers
Hi I wonder if I can ask for some advice. I am looking at obtaining life insurance to cover a mortgage I am considering taking. I consider myself to be an ex smoker having stopped 1st October but this is (perhaps understandably) penalised by insurers. In some cases premiums go up twice the amount of smokers who have…
-
Is this insurance fraud?
Hello Can anyone tell me whats happening with this; Last week my neighbours car broke down, it was no good and fit for the scrap yard - it wasn't a bad car and not very old but had major issues! Anyway it's a private hire car - when it's in use. So yesterday, I saw it smashed to pieces and it had clearly been in a huge…
-
28 yr old looking for 2nd life insurance policy
Hi, I am 28 years of age and found out going to be a daddy, so thought just in case get another policy. Currently got £250,000 Cover for me and my wife for £21.94 (Legal and General) and wanted to know where is the best place to get another policy cheap but good. Or even ideas to get cheap policies? Many Thanks in advance…
-
Contents insurance mistake in my favour
Hi all In December my contents insurance policy reimbursed me £699 in error, when I was only claiming £100. They had fixed my laptop via their own approved repairer, and were supposed to only reimburse me the cost of getting the repair assessed locally (which was £100). Instead, they reimbursed me for the entire repair…
-
Can I cancel policy early even if made a claim?
As it says in the title, I had a business contents policy that I made one claim on in the middle of the policy. My business closed before the end of the policy and I cancelled it at that time. Do I have to pay the remaining premiums because of the claim?
-
No claims - Keeping it without a car.
Hello, I have worked hard to build up two years no claims discount from my policy that expired last August. It does not look like I shall be getting a car before August as I am moving to London but I would like to keep my no claims discount and potentially grow it for when I will get a car in the future. Does anyone know a…
-
Short Term Buildings/Contents Insurance
Hi, I've just sold a house and my home insurance expires next week. The renewal was ridiculous anyway! I hope the sale will be complete withing 2 months so I need to insure the home for a short term. Is there such a think as short term home insurance? I have no future property so transferring after the house sale is…
-
Never accept renewal quote
Martin was recently on a programme where he showed that, if you pretended to be a new customer, you got a lower quote than your renewal quote. I would like to know how you do this, since as soon as you start to give any information, it will flag up that you are already a customer. You can't give a false address or car…
-
car insurance renewal disclosures
Hi all, thought I would ask you all as my son as asked me and i don't know the answer. I get all these queries at this time of year as most of my families renewals are at the same period roughly. Right my son received points on his licence in 2008 and 2009, one for speeding the other for bad tyre, he also had a claim in…
-
Business Insurance
Hi I am thinking of starting a small business selling second hand clothing, would appreciate any advice to what insurance to take out. Thanks Pam
-
PHI / Life cover options with Pension Salary Sacrifice
I was planning to salary sacrifice down to minimum wage for 13/14 to make a large one off boost to my pension fund with child benefit/tax credits/tax releif/No NI meaning my net would only fall by 20k for a 55k pension contribution. However one employment benefit I receive is PHI/life insurance and apparently if I salary…
-
Uninsured expenses.
Last year, water from the washing machine in the upstairs flat caused my ceiling to cave in. My home insurance company paid up (eventually!). Now they say they are going to approach the tenant upstairs (I own) for "uninsured expenses" which apparently includes my excess. Does anybody know how this works and what will…
