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Insurance & life assurance

Archives for December 2015

AA insurance is NOT the AA !!
Some time ago I bought car insurance with the AA. However when I had a crash they put me onto a company called Premier Claims and told me that THEY were my insurer. I had no idea of this when I bought the policy (I may even have bought it through MSE, can't remember). When I wrote letters of complaint to the AA about how…
driving a pool car at work to accumulate no claims discount
Got a cheap quote for 270 pounds from Castle cover but when i called them up they would not accept 11 years driving a work pool car (leased) as part of no claims discount. Otherwise i only have 1 year ncd. Are there any insurers that would accept 11 years driving a pool car as part of ncd? I can get a letter from my…
What if a leak from my flat goes through to the downstairs flat?
It hasn't happened, but I'm working through a list of Things I Should Have Sorted Out 18 Months Ago When I Moved In, and contents insurance was on that list. Basically, I have very little in the way of stuff - at least, nothing that's valuable to anybody except me. So I've never bothered with contents insurance. However,…
Paying for your funeral
Hi all, my husband and I are wanting to sort out paying for our funerals. We are looking to go with a well known company but I just want to check about the best way of paying for it now. We wont be taking finance so should we put say a couple of hundred on a credit card and pay the rest? Was thinking if the company goes…
Income protection or critical illness
My partner & I have an individual insurance policy, taken out with our joint mortgage, one policy covers the decreasing mortgage, the other policy is for a fixed amount. In the event a terminal illness is diagnosed, each individual policy will pay-out on disclosure. Both in early 50's, can anyone advise, what, if any,…
Life INsurance or ASsurance??
Hi all As a single mum to an only child with no other parent to take over in the event of anything happening to me, I want to make sure my little boy isn't left with a whole heap of trouble when I go. Up until now I have put it off due to not having much disposable income each month to actually pay the monthly premiums but…
Anyone paying Multiple insurances!!
I have just realised that I'm paying over £1200 per year on mobile phone insurance, car insurance and house insurance!!! Does anyone know whether there is any company who can amalgamate all these insurance to one company or one place so it can hopefully be cheaper?
Found month old CCJ for Car accident - urgent help needed
Hi, I found a mystery CCJ on my credit file a few days ago (great christmas present!) I had absolutely no idea what it was for so I rang the court today and they told me it was for a road traffic accident. The CCJ is for £2.5k So after knowing this, the only car accident I have had is at the start of the year, so it must…
Paying for policy I didn't know about - Personal Accident Cover
Today I received a letter through the post from Budget Insurance, advising me that a payment had been missed on a Personal Accident Cover policy that I hold and I needed to call them urgently. I rang them, as I wasn't aware that I had a personal accident cover policy. It became apparent that it was taken out in 2011 as…
Legal action form from Churchill???
I was involved in an accident back in October,the other driver hit me from behind whilst I was stationary at a round about waiting to pull out,the other driver admitted liability straight away and also admitted liability to her insurance company (Tesco) when she contacted them that day. My car required a new rear bumper,…
House insurance renewal
I've always stayed with the same house building and contents insurance. Renewal has just come in at £340ish. Price comparison site, with same excess and upping contents is £87. Am I missing something?
Car Insurance Cancellation Question
Hi, My first post, so I apologise if there is any etiquette I have missed with regards to posting! I'm a bit 'phobic' of phone calls at times, and just want to be prepared and informed before I make any. If I know where I stand, I can usually deal with it better but I find talking to insurers a bit intimidating as I've…
Spent motoring convictions
Hi, I am sure this has been answered many a time on here but after some searching I can't find a thread on it! I got 3 points and a miscellaneous offence code in march 2012 which has played havoc with my car insurance costs (£3k one year!). I checked my dvla online and the offence expired in march this year (2015) it goes…
Goskippy/Debenhams High excess-low premium insurance
Want to know if anyone has opted for one of these policies. I pretty much spend half of my day looking at car ads and insurance policies and being a first time driver aged 23 the lowest I will ever get is between 1000-1500 on a low insurance group hatch etc. Occasionally though I find slightly higher insurance group…
Trace and Access
What companies cover this under home insurance? I would rather pay a little extra with a decent company for peace of mind.
Parents paying PPI for mortgage that ended 5 years ago
Hi guys Just chatting to my parents, and they happened to tell me they had been paying PPI for their mortgage 5 years after it ended, my dad thought he had cancelled when mortgage finished, but cannot remember. Is there any way they can get the payments back that they have been paying into it? Thanks
It's now impossible to get a mortgage for a house by a river
This is madness! I am ready to exchange contracts but my broker can't find anyone who will insure the property because it's next to a river. The mortgage company won't release the funds without valid house insurance including flood risk. The current owners pay £341 per year and are fully insured. I contacted their insurers…
Car Insurance with claim and SORN
My son had an accident in his car which was his fault. He latterly SORN his car. The insurance claim is ongoing. He has 6 moths to run on his insurance policy and has no NCD. Can he cancel his insurance policy without affecting the ongoing claim? There is no point having full insurance for a SORN car but I do not want to…
"without prejudice" reply from other persons insurance?
So i had a crash in August, and cut a long story short someone went into the back of me at a round about without looking. its been months now and my solicitors and i are both in agreement that the other persons insurance are taking ages. I am certain this was not my fault, and my solictors have backed me all the way.. his…
Tesco car insurance
Anyone had any experience of this good or bad? It's coming up as the most competitive for me on the comparison sites and although there are reviews attached I am becoming more cynical of reviews online. Thanks svc

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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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