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Insurance & life assurance

Archives for July 2014

Travel insurance auto renewal
Hi My travel insurance auto renewed today, I only found out when I checked my credit card statement. Do I have a right to cancel? Does the 14-day cooling off period apply? Before today I didn't receive any letters/emails saying it was going to auto renew. Thanks
Life cover, critical illness and other insurance
Hi, Apologies if it's not right to start a new thread on this, I'm quite new to the forum. I'm in the process of buying a property and have no idea what I'm doing... but I know that if I do buy it, I need to start putting in place some insurance, in case the worst should happen. Initially I will be living there alone,…
Are people happy with Legal and General Home Insurance
The MSE Legal and General Home insurance Extra cover offer with £70 Amazon vouchers has come out nice and low for me. Obviously they are a well-known company and MSE would not link with a poor provider I hope! Are people happy with them? My next best price option is Liverpool and Victoria who seem to have a good reputation…
Insurance or cash settlement?
I had a small low speed bump in the car and the person who i hit has said she is taking the car to a ford garage. She said that the sensors are playing up as well as the exhaust. She said she has been trying to fix it herself which worries me. I am worried that going through insurance would kill my no claims. Can I ask for…
Please Help re Home Insurance
Hi, This is my first post here. Have just taken out Home Contents and Building insurance after using a Comparison Site, previously we had insurance through our mortgage provider which has now got really expensive. After searching online we found a quote with Policy Expert and decided to take it because it was £300 less…
Under 18 Travel Insurance
Our 17 yrs old is taking first independent holiday in Europe Can anyone recommended a Good Insurer that will quote on - line
Life Insurance and/or MPPI?
Hi all, My partner and I are looking to move into our first house within the next month or so and we have been looking into the relevant insurance cover that we need. We have been advised to take out protection against the mortgage in the event that either of us come out of work due to redundancy or ill health and we are…
Honesty not the best for insurance policies
Around this time last year I bought a new car and bought car insurance through Admiral. Previously I had access to my parents' car as a named driver on their policy. When applying for the insurance I erroneously omitted to include details of an accident I had in 2011, for the simple reason that I had no idea that a claim…
Coverwise t&c - 5 yrs no prescription clause
Followed the link for Coverwise annual European insurance. Completing the medical questionnaire made me not eligible for the rate quoted on MSE since I ticked that my doctor had prescribed medication in the last 5 YEARS!! How many people can honestly say they've not been prescribed anything (e.g. contraceptives??) in the…
Nationwide Flex Plus Mobile Phone Insurance
I opened one of these accounts on Martin's recommendation, not least because of the Insurance features. I sent an iPhone 5 off for a screen repair, paid the £50 excess and received the phone back after about 5 days. The screen, whilst replaced, didn't seem right and wasn't reacting to touch very well. I took the phone into…
Car Insurance Advice
Hi All Im in need of some advice. MY son had a motor which he insured with co-op young drivers insurance. The policy was in my name as it worked out a lot cheaper and was the only way he could afford the insurance. Late last year he had a minor knock and there was a small claim agianst the policy. even though It was…
Just saved £30 by lowering my excess!!!! Woo hoo!!!
I got an excellent price for renewing my buildings and contents insurance with my insurer (Bradford and Bingley). Did a check with comparison websites and they were coming in at about £225 whereas the renewal quote was £183 - all good. I called Bradford and Bingley to give a new card number to pay and asked how much it…
Car insurance claim help - hastings direct
Help please! Someone pulled out of the zigzag lines at school and pulled into my front bumper, not stopping as she was arguing with some other mums, till she had pulled half my bumper off. She has damaged my bumper, front left wing and bonnet. She did admit it was her fault, because she was arguing with someone else.…
Car insurance claim help
Help please! Someone pulled out of the zigzag lines at school and pulled into my front bumper, not stopping as she was arguing with some other mums, till she had pulled half my bumper off. She has damaged my bumper, front left wing and bonnet. She did admit it was her fault, because she was arguing with someone else.…
Travel isurance with pre-existing Bi-polar disorder
I'm looking for reasonable priced travel insurance for a two week trip to Europe. The policy needs to cover Bi-polar disorder as a pre-existing medical condition. Late last year I was able to get cover for £40 and obtained a few other quotes at just over £50. Now most quotes are from £90 with others over £120. Is anybody…
Car insurance advice
Hi guys. really need some help with this. Long story short: I have a car insured until 7th August(10 month accelerator NCD) which is off the road, safe in my garage and am selling it on. I pick up a new car tomorrow(July 30th). When I'm getting insurance quotes for new car, can I put 1 year's NCD? I haven't had renewal…
Refusal to renew home insurance
Hi, last year I had to make my first ever claim on my house insurance in over 30 years. The claim was handled disgracefully from start to finish and resulted in a high level complaint and also going to the financial ombudsman. Today I have received a letter from my insurers to say that they are unable to offer me a quote…
Home insurance - Computer says no
About 10 years ago I noticed that an out building (detached garage) was lifting at one corner. I notified my insurance company (Nationwide) and they sent an assessor who ascertained that a neighbour's tree was causing the problem. They agreed to the tree being removed (on my insurance) and all settled back down with no…
Garage fell on car
My father's garage fell on my car during a severe storm and damaged my bonnet. My father's household insurance policy are refusing to cover this. The only option appears to be to sue my father, and somehow prove he has been negligent in some way (?!) - this seems rather extreme and an option I'd rather not pursue. I would…
Dog insurance - should the premium be less with existing conditions excluded?
ALSO POSTED IN PETS FORUM... Hiya! Random question but...We've just rehomed a dogs trust lurcher (lovely boy!) - but he's on their part adoption scheme as he has existing probs with his left and right hip and left stifle (knee). So obv any pet insurance won't cover this (and that's fine as dogs trust will) - but I was…

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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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