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Insurance & life assurance

Archives for May 2013

Anyone Recommend Insurer for Home Workshop?
Hello My OH has a small workshop in our property and our existing buildings insurer has changed their underwriter this year and they now only include home offices and not workshops. We've tried the National Farmers Union insurance but they want us to visit an office and we are half a day's travel away from them and would…
Confused by business car insurance
Hi, This might be a silly question but do you get commercial car insurance and normal car insurance? And I don't mean differences in business use classes. The reason I ask is I am trying to get insurance through my company for a leased car but when filling in comparison sites online (Putting down business use 1) I get…
What is the max no claims bonus you can get on Car Insurance?
Hi, Touch wood, I've been claim free for around 15 years now so always protect my NCB . Each year I change insurance company, and depending on who I go with, at the end of the year some of them will not specify on the renewal docs any more than 5 years NCB because they claim that insurance companies only give max 5 years…
Travel Insurance - USA if flight stops-over there?
Hi all I'm going to Mexico in the summer and need to buy travel insurance. My flight is London to Cancun, but it stops in New York for 3 hours to change planes. I won't be leaving the airport at all during this time. So my question is, do I select 'Worldwide incl USA' in the travel insurance quote process, or just…
Insurance for potential buyers test driving my car
Hi all Can any one recommend an insurance company who offers a cheap price/best price temporary insurance. My car is not insured because I have swapped the insurance over to my new car, but am concerned that I ought to get my old car insured for when potential buyers are test driving it. Any suggestions are much…
Accident Settled 50/50, Losing no claims.
Hi, I was involved in an accident in September last year and was told about 3 months ago it could be settled 50/50. I was stationary waiting to go into a parking bay which a car was pulling out of. The person could not get out so I reversed a little (knowing full well there was a car some distance behind me!) and I stopped…
Insurance company trading in 1993.
I am hoping someone can help me, I arranged a policy in 1993 for my son when he was born, that pays out on his 21st birthday, it was roughly £2.50 a week, and the agent came round to our house to collect the premiums. Does anybody remember what they were called?
Annual Travel Insurance.
What goes on with this. I see that even though the main insurer, label on the tin, may have a different name, the insurances all seem to be through Rock Insurance and a Swedish company. Given that fact how come the prices differ so much for what appears to be the same cover??? I know Martin advises taking this insurance as…
mis sold life insuraance
i was offered a life policy that i was told would be good for me to have and that it was something that i needed. Now after almost 3 years i go to bank again and speak about my policy then someone informs me that the policy i was sold wasn't a very good one and that i should then change to this other one. The thing is i…
Life Insurance Question
Hi, My friend's mum has a "Lifetime Benefit Plan" (Life Insurance) with Aviva. Her Benefit Amount is £43,445 and she pays £31.70 per month, and has done so for the past 15 years. Last week they sent her a letter saying that if she wants to keep her Benefit amount of £43,445 she will now have to pay £79.51 per month. If she…
Wrong mortgage protection, advise needed please.
I'm currently doing an overhaul of our finances. We have been paying mortgage protection which was sold to us in 2001 by a local Ins. broker firm. The Policy is with Norwich Union, although the direct debit states Aviva Life. We've been paying £13 per month. We have changed mortgages a few times since this was taken out…
Someone please educate me
Hi, i Was involved in a non fault accident Now having spent 2 days phoning my insurer, the third party insurer, the AIB ( no help - they cut me off) and CAB who were some help. its actually very unclear which path is the best way to go. nobody wants to give me actual advice. I am somewhat alone and really dont have anyone…
AXA home insurance - is it really that simple?
Been doing quotes for home insurance, and cannot believe how straightforward the axa one is - it hardly asks anything. Compared to some that seem to want to know everything down to your shoe size and what day of the week you do your laundry. I can genuinely answer all the questions and get a quote for my house massively…
No Win No Pay Insurance
My son was a passenger in a vehicle that crashed a few weeks back. The back wheel hit the kerb on a bad bend and the car flipped, did a somersault and landed upside down. (the driver was 42, not a youngster, and passed breathalyser so was a pure accident). Thankfully they were all wearing seatbelts as police said they…
Lost Mobile on Home Insurance
Hi, I lost my Samsung galaxy s3 recently and have primarily put in a claim to replace it on my home insurance(I don't have mobile insurance, or bank insurance etc) I have only had the phone 6 months and still have the contract for 18 months. I will need to pay £100 excess and lose 2 years of my ncd which is around 10% of…
Cost to rebuild my house?
I'm searching around for cheaper building & contents insurance online and keep getting asked about the cost of rebuilding my house should the worst happen. Apparently it's not the same as a market valuation and I have not had any recent surveys done. How would I be able to guage this amount to obtain an accurate quote…
Critical Illness or Income Protection?
Hi - any advice gratefully received :) I was with a Halifax life insurance adviser during the week who has been advising me to take out a level life policy combined with a Critical Illness plan. She also tells me to consider income protection but as a secondary consideration. I'm very unsure of the value of having critical…
Accident on third party policy
I have just renewed my car insurance with Aviva. Their questions included 'Have you made a claim in the last 4 years' to which I replied no. I had an accident driving my mother's car in the last 4 years, and she claimed on her insurance. I didn't claim on my policy though I notified my insurer at the time. My NCD remains…
Any Recommendations for Unocupied Home Insurance?
Hello, I've bought a house, but am not intending to move into it for several months (maybe 4 - 6). Does anyone have any recommendations for an insurance company that offers unoccupied home insurance? Most standard policies have a 30 day limitation. I've seen Towergate. Any others I might like to consider? Unoccupied…
mortgage lender want named on buildings insurance policy!
In my mortgage application i've had to sign declaration that I will insure the property (of course - no problem) and will arrange for the lender's interested in the property to be noted on the insurance policy. I've tried a couple of insurance quotes online and none gave me the option to name a lender on polixy (although i…

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