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OVER 50s Plans
Hi all I am new to the Forum just joined today. I need some advise on Life Insurance. I have read the guidance given but I am still not sure what I should do? I have a pre existing condition and have had a quote for this and was advised that a over 50s plan might be a better option. The adverts I have seen say no medicals…
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Who is my phone insurer? What do I do? How to claim?
Hi there, so a year and a half ago, I signed up for phone insurance. And I know it's very stupid, but I have forgotten who it was. (I think they had insure in the name). Since then, I have been paying £6.99 a month through direct debit to a CITYMAIN ADMINISTR. Any googling leads back to buymobiles.net, but I am sure that…
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Insurance company sabotaged my case
I used my insurers legal fees to investigate a medical negligence case. I had to use their nominated solicitors.A medical report was compiled on their behalf by their own nominated medical expert. This report that they still support was a pack of lies. The Chief Executive of my Health trust contradicted this report, The…
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Mobile phone insurance not paying out
Hi I signed up to Js insurance and have been paying £5 a month since 2010. Original document I have says it covers loss, theft and accidental damage. Made a claim for loss and got email today saying declined as policy excluded loss and that I should've got an amendment to policy when I changed phone. They attached document…
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Car insurance declined.
What is the insurance industry standard definition of declined, cancelled, refused or voided policy. I know the wording of each is subject to interpretation. What I am interested in the the correct answer if your insurance company informs you they will not renew your policy when it comes to an end. They are not cancelling…
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Effect of claim on renewal of home contents renewal
Last weekend someone decided to help themselves to my bicycle out of our back yard:mad:. I have already reported this to the police, and have a crime reference number. I have been debating with myself for the last week whether to put in a home contents insurance claim for a replacement. I have totted up and a new…
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Business visitors to house - insurance or legal disclaimer
If someone is an English teacher and has a few students visit the house for paid lessons, I understand public liability insurance should be considered in came someone trips over for example and sues. However, if there are just a few callers and they don't pay much for lessons it hardly seems worth it given insurance may…
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thought I did everything right
My car insurance was up for renewal so I followed all Martins tips, did my research and came up with a great online renewal with Hastings direct, paid annually instead of monthly and was feely pretty pleased with myself. Until looking at my bank statement I discover I am still paying for my previous insurance with Swinton.…
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Car No Claims Discount - giving up car for 2 yrs
I have full no claims discount on my car insurance. For the next year or 2 we can get by just using my partners car, so I may sell or take my car off the road, which means I won't need car insurance for myself. If I cancel my current car insurance (or just don't renew it at renewal time), what is likely to happen to my no…
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Life Assurance Tax Advice Needed Please
Hello We've had a £100k Aviva term assurance policy (25 years) which expires in 2027. It only covers us if we die (not sickness). I've read in the news that if both my husband and I die the tax man can help himself to that policy as part of our inheritance. If, apparently, we fill out a simple form the policy can be…
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Diamond 'charging me for an accident I didn't tell them about'
Because it never bloody happened! My OH has just had an email from Diamond saying something to the effect of "We're charging your bank £100 because we found out you had an accident and didn't tell us about it when you signed up for the policy" Except she's not had an accident in the last 5 years. and she's been with…
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Insurance said flood area, but I'm not in one...
Hi, House insurance renewal time. I've got a number of quotes already via the comparison sites but thought I'd try the Halifax directly (as we are already a banking customer of theirs). The online quote failed giving no reason so I called them directly. Went through the quote all the way to the end only for it to be…
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Car scrape. Do I need to inform insurers?
Hi, I recently scraped my car against my own wall causing some scrapes and dents. Do I need to inform my insurers of this or should I just seek to get it repaired myself? Thanks
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Ex council flat.. Building insurance. Have I been overvalued?
I'm a leaseholder for an ex council flat. I've just been sent a letter saying that the insurance value has been set at £350,000 for my flat. (it'll cost £320 a year for this insurance). This seems quite a lot. FYI, I bought 2 years ago for £250,000. I live in Lambeth, south London and the council are the free holders. My…
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young driver insurance
Hi Can anybody please advise on the most cost-effective way of insuring a young driver (grandson) who has recently passed his driving test? I had thought that I could be a named driver on his policy as the car will be kept at my home while he is away at university. He would use it in the holidays but rest of the time I…
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eSure increasing premium after policy started is this allowed?
Renewal date of policy was 04/10 but an incident happened on 01/09 - Scamster on bicycle rode into reverse parking car and demanded money on the spot but has since started claiming for injuries etc Incident not reported to Police or Insurance company until later as a result. Policy T&Cs say nothing about being able to…
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Insurance brokers who do I trust and which policy to choose?!?!
So a year ago my oh and I got our first mortgage, we got our life insurance through our mortgage broker. It's with friends life ( 2 single policies, decreasing term with criticke illness cover) £85 a month!! Now we are all settled and looking at saving some pennies I realised that this was not the best value life…
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Mortgage brokers and which policy to choose?!?!
So a year ago my oh and I got our first mortgage, we got our life insurance through our mortgage broker. It's with friends life ( 2 single policies, decreasing term with criticke illness cover) £85 a month!! Now we are all settled and looking at saving some pennies I realised that this was not the best value life…
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Car legal cover - how to get it cheaper?
Hi, So I've just renewed my car insurance and thought I would get my legal cover elsewhere rather than paying the £30 asked by my insurers. However I don't know what is legit out there in the world of legal cover. Any help please? These guys offer free legal cover: http://www.freemotorlegal.co.uk These guys offer it for…
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Business Motor Insurance European Cover
Anyone know of any Companies that offer Business Motor Insurance (Hire and Reward) that includes European Cover. Traveling between the Uk and Europe every 10 days.(200 days In Europe)
