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Two vehicles, Different Insurance Companies
My car's insured with Esure. Just bought a second vehicle and insured it with AXA, who want proof of no claims. Esure won't provide the proof unless I cancel insurance with them, or at the end of the term. So now, the vehicle insured with AXA is not insured, since I've been unable to prove no claims. What's the best…
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Tried to add my wife - refused
My wife passed her test yesterday and now has a full license. She is 30 years old, no previous convictions, she also has ten years driving experience, although this does not count as it was in her home country (although she is now a full UK citizen and has been in the UK for 7 years). I am someone who has a license for 20…
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Car Insurance Increase despite no claims
Why is it every year we have to go through the pain of searching for car insurance quotes. I have had no claims and yet my Car Insurance has gone up by 8%. Are all Car Insurances going up ? Was with LV (good) but last renewal shot up so searched and went with Swiftcover but they have increased as stated. Martin says haggle…
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Life Insurance with a physical medical?
Hi everyone, I am FINALLY nearing the end of the process of buying a house. During the mortgage process with the Halifax, we were told we "would need insurance" and that the lady at the Halifax wouldn't be able to go through the insurance (both life and house) with us after completing the purchase of the house. The fianc!e…
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Away from home in Winter
If you go away in winter the Energy Conservation Council recommend setting your thermostat to 'frost' or 5 - 7C. I've asked various plumbers and they all say the same. Some insurers do quote this figure but a lot are, as you say, much higher. As this has to have to be left on 24 hours it uses a lot of fuel and most of it…
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How to choose a insurance provider
Hey guys, We exchanged on a property today and now sorting out the home insurance. I have heard so many horror stories about people being screwed over because of minor technicalities and blatant poor service so this is one thing where quality far out performs cost. I've been on Compare the Market and have got a few quotes.…
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Car write-off payout - value on schedule vs. market value
Hi all I've got a quick query regarding an issue I'm currently having with my car insurance company regarding a payout for vehicle write-off. I suspect I might be a bit stuck (and definitely should have paid more attention to the fine print) but wanted to canvas some opinion... - Had an accident in the car in the wet ~2…
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travel insurance for long stay vacation in one country
Hi all I would be really grateful if someone can give me insight about travel insurance. I am currently in usa and is planning to stay for few 4 months and i am looking to purchase (whilst already here) a travel insurance that can cover me during this period as my current insurance only cover a maximum 41 days in every…
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Accidental damage
My DH was replacing an old fan in the bathroon. He dropped the drill and not only damaged a glass shelf on the mirror (which is fused to the mirror), the drill landed on my beautiful Laufen sink and cracked it across the shelf and right round the underside of the bowl. After giving a suitable verbal reprimand and calming…
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Impecuniosity/duty to mitigate - when applied if other party fails to respond
Hello, Please can someone help with this? In April 2013 I had an accident on Islington Council property. The estimate for repairs exceeded the cost of the car. I sent this to them immediately and continued to chase but was told wrongly another party was responsible. They finally admitted liability 18 months later. By then…
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The Policy Shop Avoid Nightmare
Recently renewed my car insurance with these as they came out the cheapest. BIG MISTAKE. They have been hounding me since for endless documents and if I dont produce them they will cancel my policy on the 24th with £50 admin charge and fee for loss of commission. Can honestly say all I have had to produce before was proof…
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Freeholder building insurance -excessive?
Hi All I own outright 1 bedroom ground floor leasehold flat (900 years left) while the upstairs 2 bedroom flat is mortgaged by the freeholder (its a converted house). The building insurance is organised via a insurance broker and they levy a whopping £340 per year premium every year for each flat. I've tried asking the…
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Insuring a 2nd car - FluxDirect no good
My brother has a second car to insure because his insured car is in need of repair. He tried getting in touch with FluxDirect & when he was able to get a person they went to put him through to a department & he was cut off after a few mins in the afternoon. Has called numerous other times but just can't get through. So...…
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Extended Used Car Warranty Refund
Hi everyone, I purchased my first used car in October 2014 (4 year old car at the time) and due to my planned high mileage I was persuaded to purchase a 3 year extended warranty (around £800). Fast forward 12 months, my circumstances have changed and now I'd now like to obtain a refund. I haven't claimed on the warranty…
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will
Hi do I need a will? New property owner and early 30s. My solicitor who is very good and did my house purchase is requesting £300 Inc vat. Is this price good?
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Directors' and Officers' liability insurance
Hello, I am a director of my own Limited company and have been researching D&O Insurance. Some content suggests that both legal (and associated costs) plus compensation/fines are covered by the insurer. Other content contradicts this and suggests that compensation/fines are NOT covered. Is there a general rule of thumb on…
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How do I work out rebuild cost for ins
Having made major changes this year to our outgoings the last one on the list is house and contents insurance. I can go room to room working out approx cost of fixtures, fittings and the bits in between but have no idea where to start on rebuild cost or working out square footage.
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Co-operative home insurance - renewal? To cancel or just to switch?
I'll be switching Co-op insurance this year as loyalty is going to cost me this year dozen %s more than last year I'm wondering do I need to cancel anything or just need to move on. Every year I pay full amount on a day 1 On renewal documents it says
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Unoccupied property insurance recommendations?
Can anyone recommend a company for basic property insurance at a reasonable price please? I understand that most offer 3, 6, 9, 12 month policies and others will give full a pro rata refund if the policy is canceled.
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Claim Help - Going It Alone
Hi All, This is my first post so please be gentle:smiley: Does anybody know if there is such a thing as a template to submit a claim against another driver's insurance? About 3 months ago somebody drove in to the back of my wife's car. It wasn't serious and she wasn't injured, but there was about £700 of damage. Originally…
