-
Crowdfunding insurance (aka p2p, Cooperative Insurance, not for profit)
Peer2Peer lending like Zopa is great. There should be something similar for insurance with risk assessment outsourced to a professional company. Why? In my view insurance in it's present state is just plain wrong. The profit motive turns it from a fair business to a crime. Religion agrees. Insurance is actually classified…
-
£600 increase for home insurance in Low Risk Flood Area.
I spent the whole of my day off yesterday trying to sort this! I LIVE ON TOP OF A HILL IN LOW RISK FLOOD AREA. Have had home/contents insurance for over 40 years. Made only one claim in all this time for less than £1000. Here is the sting... In 2004 a blocked council drain outside my home led to small amount of surface…
-
life insurance incorrectly set up in estate
Hello! I have had a nightmare with life insurance and was wondering if anyone could advise on the likely outcome of a complaint. Myself and my fiance went along to a financial advisor for a firm of advisors who set up our pensions and life insurance throughout this meeting we were under the impression the insurance would…
-
Quote me happy, any one had dealings with them before?
So last week I had someone go up the back of my car, they have admitted it was their fault and soon after I got a voice mail from Quote me happy to contact them about settling the claim, the only Problem is now I can't even contact them to discuss the claim with them. I've tried calling, each time I'm on hold for an hour…
-
ncd when I cancelled insurance
Hi I would have had 3 years ncd in august when I renewed But I had to cancel my policy this week due to selling vehicle and not being able to put another car on the policy within 7 days So if I take a policy out in June with the same or different insurer, and August arrives, will I be on 3 years ncd? Seems harsh if I…
-
Asda and change of car on policy
Hope someone can advise please, I feel like we`re being ripped off by insurers (nothing new there then!). The tale so far: My partner (43) currently owns an 07 1.8sri Astra. She has decided to downgrade and get a more economical car and has purchased an 09 998cc Aygo. She currently pays £382 for TPFT on the Astra through…
-
House Insurance auto-renewal
A cautionary short tale for all, never, never, never auto-renew your policies. My wife took out Buildings Insurance for a company called Select & Protect, when she bought the house in 1996. Since then, she has let them renew the policy every year. After reading a recent article about house insurance on this site, I asked…
-
Mobile Insurance that covers theft whilst swimming?
My Mobile Phone insurance is due to expire through Insurance 2 Go soon and I was looking at the higher cover that includes theft. One area I do leave my phone at risk is in a bag when I go swimming on holiday/the sea, which the terms and conditions simply say on this: "where the mobile phone has been left unattended (other…
-
cancellation of insurance and charges for DD
After cancelling my car insurance I have been hit with a charge for the following. cancellation fee £50 Interest on direct debit £222 Admin fee £30 Legal expensives cover 50 Personal accident 35 I had expected the cancellation fee but not the rest. Is this the norm esp on direct debit payments? I was 5 months into the…
-
dual policy on car
Really need help Sold my car and cancelled my insurance (insurance didn't permit driving other vehicles and would have closed after 7 days without a vehicle on policy) My partner can't insure me on her policy due to me having a couple accidents which were non fault despite me putting in my old car as a new quote and my…
-
Comparison site cheaper than Renewal but same company?
Just done the comparison sites for the renewal of my car insurance. The cheapest company is KwikFit ...... @ £22 / month I am currently with KwikFit and the renewal came through at £ 45 / month (think it was £33 this last year). So how does this work. Do I notifiy them that I can not renewing my policy with them, but then…
-
Home insurance options so annoying!
Getting home insurance quotes together and coming across some silly things. 1. Choosing the locks makes little or no difference to quote, so might as well choose the worst option. Must be so many people choosing the wrong types and then not being payout in claims. 2. Burgular and smoke alarm make so little difference that…
-
personal injury claim
Early last year I was involved in a car accident which left me with whiplash injuries. My car was hit from behind at a junction, The other party admitted liability for the accident and paid for my car to be repaired but are disputing my injuries under the title of low velocity impact. We are 15months in to the claim now…
-
Hastings Direct - Phones down? Local Emergency
Hi I tried on the off chance to call Hastings to sort out my insurance change of details thinking they will probably be closed but got a message that due to a local emergency they couldn't take calls. I tried again today and the same message - cannot see anything on their site - anybody know anything about it and time…
-
Six month car insurance
Hi there, Does anyone know of any companies that offer six month car insurance policies please? :beer:
-
Subsidence claim corrected: buildings insurance policy
We are in the process of buying a 4 bed house in London which has had a previous claim made on the Buildings Insurance for repairs caused by leaking drains. The repairs were made to the drain and to cracks to the inside and outside in the house. This was recorded as a 'Subsidence claim'. However we have successfully argued…
-
Car insurance for single mom of 2 unemployed
Hi all Hope I can get some help with a situation I have. I am doing this on behalf of my sister who has recently separated and is on her own with 2 little uns. No support from partner as it was a bit of a complicated case. She is on benefits and has recently moved into a council property. As she needs to get around and is…
-
Building Insurance Payout Query
Hiya, I'm wondering if anyone can help? My friend's kitchen was flooded by a neighbour, they were asked to get several quotes for the repair work (which they did) and the insurance company came back and accepted the claim. They have stated that the builder with the lowest quote must be used (no problem with this) but also…
-
Budget Car Insurance- loss of no claims
Any advice appreciated! Still raging! I will try and keep it simple. Hubby and I never had an accident, so insurance fairly low. Last year he insured his with Hastings, I went with Budget Car Insurance. We effective share our cars- if I am driving further away, I take the one that is petrol economical, and vice versa. So…
-
Car Insurance No Claims Gap
I had 8 years no claims insurance when I left in July 2010 to live in the USA. Moved back to the UK last June, now about to get a car again but the gap in my no-claims is almost 4 years and all the insurance companies I've had quotes from are treating me as though I have 0 years no-claims. Are there any companies out there…