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Insurance & life assurance

Archives for June 2014

Rta
So today I was involved in an RTA - To be exact a hit & run. I was rear ended by a van that left the scene as I careered over two lanes, one with on coming traffic. Resulting in a clip to a Mercedes (a 10 year old one I may add) with my end destination being a 12ft brick wall. The police & I & the Merc Guy (we shall call…
Should I claim on car insurance or buy second hand bits to try & fix it myself?
Hi all My 2007 MK3 Mondeo Ghia X had an altercation with a deer yesterday. The car won the battle but not without a couple of battle scars - namely the front bumper is cracked / broken and the rear bumper is split. I am insured fully comp with guaranteed no claims (£250 excess). I have had continious car insurance for…
does motorbike claim affect car insurance
Hi all just a quick question my son had his bike nicked and torched last week, gutted isnt the word as he only had it 3 months and loved it, now we were at the pont of not claiming as he is taking driving lessons and the bike was only to tie him over and we felt the claim would impact on his car insurance quite heavily,…
Minor 'fender-bender' accident - advice
Hi all, My friend has had a second minor 'fender-bender' type accident in less than 6 months. There is no damage what-so-ever to her vehicle (that wouldn't polish out), but the other party's bumper cracked. It was all very amicable (the third party admitted she braked very hard and suddenly without indicating because she…
Short term premium current account for travel insurance
Hello eveyone, I'll go for a trip in the US this summer and I will need a travel insurance. I was thinking to upgrade my current account (Nationwide Flexdirect) to one that includes travel insurance (Nationwide FlexPlus) an then downgrade it at the end of the trip (so in 1 month more or less). This way I would get a travel…
14 day cooling off penalty?
Hi, I took out a van insurance policy on the 31st May 2014 and paid £2645.10 i cancelled it on the 12th because i got a cheaper quote for £1800. cancellation was done via phone and email. This was their reply. "Amount Paid £2645.10 Made up of £2600.10 premium, £25 administration fee & £20 legal expenses (£25 and £20 are…
'do you own your funishings'
I have just taken out insurance with Allianz and was surprised at this new question. I was asked whether I owned all my furnishings, I answered yes but now I am wondering why they need to know if everything is on credit? I'm sure I didn't get asked this last year, so just being nosey, why are they asking? (incase I decide…
MSE News: Are you a Swinton Insurance customer? Beware its 'pre-renewal' deposit
Swinton Insurance policyholders are unwittingly having money taken from their accounts to auto-renew policies... Read the full story: Are you a Swinton Insurance customer? Beware its 'pre-renewal' deposit Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works,…
HELP; Motorhome temporary insurance for under 25?
Hi all, very new to this! My partner and I are borrowing a motorhome from my parents in August to go to a festival for 3 days. One problem, my partner is 24, and turns 25 the day AFTER we get back, therefore from research I've done, it seems we can't get him temporarily insured on it. Seems unfair considering he's a…
Two year waiting period!
Hi - can I throw a question out there. My mum in law has just passed away. We have found an insurance policy she took out on 03/07/12, it states they do not pay out if death is within the first two years. My mum in law is 1 week short of the two years! Do you think. The insurance company would reject the claim. The policy…
Insurance options with a long term illness
Hi Everyone, I'm 28 and got married last year, my husband and I rent our house, have no children and are non smokers. However, I have NO pension, NO life insurance, NO savings, but I do have debts, and a life threatening medical condition. My husband has an IVA, and it worries me that we do not have any life or critical…
Car Park claim
Hi All, I am hoping you can help me out because I've been worried out of my mind over this! Yesterday, I was leaving Tescos car park. I had reversed out of my bay, across the lane of opposing traffic, acknowledged the driver who had slowed to allow me to finish my manoeuvre and made progress out of the car park. I cant…
valuation for claim
We recently had a break-in and lots of old jewellery, silver items and cut-glass was stolen. We need to start to value these for the insurers and the police. I have no idea where to start. The policy is new for old but the items are very old, so I can't just look in shops to see how much things can be bought for now. Can…
Car insurance - query re. No claims
Hi, I currently have 6 years no claims on my car and it expires on 31st august. My problem is my birthday is on the 21st September, 3 weeks into my new insurance policy. So I am always insured under the age I am for only 3 weeks. I will be 25 in September and as everyone knows policies become a bit cheaper once you get…
DVLA restrictions
I have a disfigured hand, it doesn't stop me driving, my license restricts me to driving cars, small vans, I am not allowed to drive a motorcycle unless it is a tricycle or a vehicle with more than 5 seats. I have to use a small adaption on the handbrake button when the handbrake is on the lefthand side. DVLA are aware, it…
Hastings Direct Car insurance validation checks
Hastings Direct have asked me to validate my details, copies of driving licence and counterpart which i dont have a problem with, not got any points so its clean. But they also want copies of the V5 to check i bought the car when i said i did? Seriously what difference does that make to the insurance premium? Can i refuse…
Churchill, Post Office or Legal & General for Home Insurance?
At the moment I am between the above two and haven't quite decided although I have a couple of weeks to decide. Churchill are rated 5* on Defaqto and the Post Office only 3*. Anything I should be aware of between them? Edited the title to add L&G to the mix
POST OFFICE Car Insurance 'beat your renewal by £50?'
Hi. Bought my car insurance from the Post Office in April, attracted by their 'we will beat your renewal by £50' offer. I stood to get a £92 rebate after 60 days!! No details of this offer were in the paperwork which they sent with the policy ,so I phoned them and was given an address to send my old renewal for them to…
Car Insurance Renwel advice needed please
Hi Everyone. October 2013 I was driving to my nans and a car moved over to my lane and hit the front passenger side of my car. Although he admitted liability at the time he soon changed his story once he phoned his insurance. I Had a letter through 2 weeks ago to say they are going to have us both to blame and I have 14…
Is Freeholder charging me too much for buildings insurance
Hi As a leaseholder my freeholder (who I've had endless problems with in the past!) has just sent my annual invoice for buildings insurance. I live in the upstairs flat on a two storey converted typical Victorian terrace in South-West London. He's charging me £421 - which is also a 27% increase on last year's premium. Does…

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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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Insurance & life assurance

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