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Home Insurance
I made a claim for a broken hearing aid that got crushed while my husband was in hospital I have a claim number However my husband sadly died The company said I can still carry on with claim This doesnt make sence can someone advise
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Critical Illness and Cardiomyopathy
Hi All Just a rant about my crtitcal illness cover that I have paid into for 17 years. Recently diagnosed with Cardiomyopathy and am told its not covered on my Scottish Equitable policy! AEGON who now own SE do cover it but my policy does not. The joy! Any similar stories?
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Life assurance and mortgage
Thinking of getting life assurance. i do not have a mortgage at moment as i am renting but thinking of getting one(mortgage) next year or year after My question is if i get life insurance now, can it be modified afterwards to include mortgage cover once i have bought a house. Also are there products that include income…
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Car insurance - excess
Hi, just trying to clarify when I'd have to pay voluntary excess. I've tried searching but haven't found anything concrete. Assuming I have a voluntary excess of £500. I understand that a claim that is not my fault will be claimed against the other insurance and not my policy. However, if it is my fault, is the excess only…
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Car insurance - ownership
Hi My fiancee has a hire-purchase car from Nissan. I'm trying to sort out her car insurance for her but as I don't have experience of HP I got a little stuck. Her name is on the V5, so am I right in saying she is the registered keeper? Am I also right in saying she is not the legal owner as the finance company currently…
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Upgrading from Contents Only to Contents and Building Insurance
Hi everyone I'm a first time buyer nearing exchange and completion on the house and still currently living in my privately rented house. Hoping to move in approx 4 weeks. My contents renewal date is in 5 days time... ... I have a buildings and contents quote all saved and ready to go for when I set my move-in date to my…
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Legal and General Life Insurance !!!! Up
So I took out life insurance with Legal and General via Direct Line: Life Insurance, Critical Illness cover and £60 worth of M&S vouchers. Monthly payments via direct debit. I filled in all the relevant paperwork when it arrived and returned it on time. I noticed a few weeks later that 2 x direct debits had been set up for…
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Rotten Floorboards - Home Insurance
Hello. I have been in house ten years and have discovred rotten floorboards possibly caused by water escaping from a drain or pipe underneath the house. Is there a home insurance claim?
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Life insurance help trusts
I would like to put my life insurance policy into a trust so that it pays out to a close family member only. I have no children and I am not married or in any relationship. I am with Legal and General, and have decided that the absolute trust would be best. However, does anyone know if its possible to list this family…
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Home contents and buildings insurance renewal dates are different
We bought our house in January this year, and thus started our buildings insurance then. However we transferred our contents cover from our previous property, and so the renewal dates are different (our contents are now due for renewal). Is there any way to adjust this so that I can buy combined contents and buildings…
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Car insurance after accident - help please
Hi All Unfortunately I had a car accident where someone drove into me while I was hardly moving. Nobody accepted fault at the scene although the other party did say they saw me pulling out but carried on driving. I reported the accident to my insurance company and explained that it was not my fault along with the rest of…
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Can you recommend Income protection insurance for self employed?
I'm looking for some income protection insurance as I am newly self-employed. Can anyone recommend a company or policy? Many thanks Lou
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Home Insurance - What type of door locks do I have (5 Lever or Deadlocks)?
I have UPVC doors front and back and I can pull the handle up and it sounds like bolts are engaged (including big hooks). When applying for a home insurance quote are these classed as 5 Multi Lever Locks or are they Deadlocks? Thanks
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car insurance: report or not an incident where it was not my fault and no damage done
Hi there, I am on my 3rd year of driving and have had a little scratch from a car that bumped into me (their fault). I am insuring with Ageas, started last month. The little scratch is barely visible. Car is 5 years old. Do I report it? will it affect my no claims bonus? thanks,
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Car insurence cancellation fee poll
Hello, I would really appreciate it if you would vote in my poll regarding cars insurance cancellation fees. It would help be tremendously. It is a simple 1 question poll. I will keep you updated on the outcome and will provide you will all the details when the poll is closed. I just dont want to bias the poll in anyway.…
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Travel Insurance - Annual cheaper Confused
I am travelling to Hong Kong and Cambodia for a maximum of 25 days. I have found that an annual policy is cheaper than a single-trip policy from both InsureFor and Bupa. How can that be, am I missing something important? The annual policies have a max trip limit of 31 days so that is OK; is there anything else that I…
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Travel Insurance - annual renewal
I'm sure that this has been covered before but...I have an annual policy with Company A. I have booked a flight/holiday for next year whilst covered by this policy. On renewal date I change to Company B...presumably Company B are now "responsible" if I have to cancel EVEN THOUGH the policy wasn't in force when the…
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How do insurance companies define subsidence?
Hi All, When we moved into our house nearly 20 years ago, we had a retention on our mortgage for several things, including sorting some cracks. Investigation showed the original Victorian drain was cracked, so we had it replaced, insurance and mortgage companies were happy, so everything was fine. Since then, when we've…
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Aviva - Disappointed and let down
I'm insured for my car with Aviva and have come up for renewal. When the renewal letter came through, it only showed 3 years no claims bonus when it should have been 9. I phoned last Saturday and asked them what was going on. The guy on the phone wasn't sure but he promised me he would look into it and personally take…
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Home/Contents renewal - suggestions/companies to avoid
I about to renew my buildings and contents insurance and have spent the last week or so doing comparison quotes. They range from around £96 up to about £450. I'm comparing policies and making sure that the cover offered is what I wish it to be. I've checked the Which table and looked for reviews for each of the companies…
