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Insurance & life assurance

Archives for March 2014

Car Insurance NCD Dispute - Advice Required Please
I have just taken out a new policy with Hastings Direct. When I completed all my details online, I entered the information provided by my previous insurer (Aviva) in the renewal data which stated I had 5 years NCD to generate a price. Hastings Direct offered the best deal for my particular needs and I took out the policy.…
Ambulance Chaser?
My daughter ran in to the back of another car, and everything has now been sorted out between the insurers for both sides. However: She is being pestered by a company called Action for(4) Justice who are telling her that she will be entitled to between £1,000 and £3,000 compensation for her injuries. (She wasn't injured,…
Lying driver (and wife) now claiming injury
:mad: My brother scraped a car while reversing out of a car parking slot. Scraped the wing, nothing major. He admitted his error. Other car was fixed and it was all settled. This happened about 9 months ago. My brother had a black box type thing in his car. Now he has a new policy with another company. Today his new…
Health insurance for business travel ?
My husband has been asked to undertake a short trip to China to check on some development work being done in a manufacturing company there. Our normal travel insurer will give him health cover and normal travel cover for his trip as long as he is not undertaking manual work, which he won't be. Although it is quite…
Car insurance injury compensation
I was involved in an accident that was the other driver's fault. When talking to their insurer the representative asked if my passenger and I had been injured, which we have. She took the details of our injuries (luckily nothing major, thank god for seatbelts) and said they would call in a few weeks to make us an offer, or…
Home insurance refusal - paranoia or reasonable fear?
I'd be grateful for any help. I bought my house 2 years ago and got home insurance through the mortgage company. Unfortunately I didn't read the small print and didn't declare that a v small 3x1m extension to the living room showed some signs of subsidence on the survey. Not deliberate but it was all quite rushed /busy etc…
help with mortgage protection insurance
Hi can anyone help me find a compancy who will insure my son for mortgage protection insurance. He lives in the uk, pays uk tax but is employed by a foreign firm and works off shore abroad month on month off. Having great difficulty getting insurance for him because of this. Thanks in advance
Living in Norway, car insurance advise required.
Hi my name is Scott. I am 19 years old and Car insurance is very expensive for me in the UK but my intention is to live in Norway for the next 6 months and I need to find the cheapest possible car insurance that will cover me in Europe. If someone can please advise me on this it would be much appreciated. Scott.
Insurance company saying my story doesn't ring true to the evidence of my laptop
This is a long story so here goes. I've been with Swinton for contents insurance for the last 3 yrs and recently I put in a claim for my Sony Vaio to be hopefully repaired with them. I grabbed it while it was on charge and the lead caught which then snapped off the charging port, the laptop worked until the batter died at…
Car insurance renewal
Hi. For the last ten years I have had a named driver (my ex partner) on my insurance policy. This year on my renewal it will be just me. My ex had several accidents (which resulted in claims on my insurance - one her fault and the other two were the fault of the third party). Now that I am renewing on my own (with just me…
Oil leak and house insurance
Posted on here about and oil leak at my rental property. Next door neighbours house has been badly affected and she is now out of her home as her floors are being dug up etc. Contamination guys surveyed our house and have quoted £10k for clean up works and £3k for decontaimination of spoil. The underwriter has writter to…
Change of policy and excessive charge
Hi I have recently had a little knock with my car. In feb 2014. The third party hasn’t claimed against me yet and I don’t think he’s likely too. The insurance firm called me to verify details through the DVLA to which the date of my licence held and SP50 were wrong but not by a massive margin. They changed the policy on…
Not New for Old Cover to replace kitchen items
Hi Bit of a long story this one but I had some items placed in storage while I was moving house and now my removers have lost most of my kitchen items. I don't currently have a full copy of the following but it was an open cover policy with Delta Lloyd Schadeverzekering NV. I plan to get a full copy of the policy soon. The…
Urgent Car insurance help
Hi, I have no claims discount longer than 4 years, anyone know of any car insurance companies which take NCD longer than this period? Thank you ALL SORTED now.
Help with legal and general critical illness cover
hi all i was diagnosed with primary liver cancer in september in February we decided to claim on our critical illness cover ( forgotten al about it till then) my cancer isnt a common 1 only 360 people a year get it, has anyone else had a successful claim with liver cancer they seem to be dragging there feet with. i was…
Mortgage Insurance / Redundacy
Hi I'm looking for some help/advice. I've been told I at risk of being made Redundant and my mortgage insurance policy with First Call Group advise that they would pay up to 12 months if I was made redundant via compulsory redundancy. Would the policy still pay out if I went on to study in that year or do I have to…
DIY wills
Hi all, wasnt sure where to post this. So please forgive me if its in the wrong place :) My husband wants to write a will. We dont really have any assets as such, just a house and an insurance policy. He just wants it written down that he leaves everything to me or in the event of me not being here, then the house to our…
Marks and spencer vouchers
Has anyone had an issue receiving vouchers after taking car insurance? I took out direct line through martins money but Have not receive vouchers for £60 as promised. Thanks
Does a CD changer count as a modification?
I have never thought of my car as modified but when I was about to go ahead and purchase a policy with Hastings Direct today, I noticed this wording about modifications: "A modification is any alteration to your car from the manufacturer's standard specification, including but not limited to: changes to the bodywork, such…
Car insurance - time I've held my licence
I got my driving licence on 17th April 2005. My insurance renewal date is 11th April and I usually buy the policy a few weeks before (I'm doing it today for this year). Insurers ask how long you have held your licence for and every year I wonder, will it suffice to count April to April as 1 year, or do I have to count it…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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