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Insurance & life assurance

Archives for May 2016

NCB Protection is pointless!
What is the point of paying to protect your NCB? Say you have 80% NCB. You have an accident. When renewal time comes you have to declare the accident and claim. That's fine you think, my NCB is protected and so it is. You still get an 80% discount. But here's the rub, because of the claim, your base level premium leaps up…
Decreasing life insurance- insuring more than your mortgage is worth
Hi there, We have just got a new mortgage- £115,000 over 20 years. I'm not interested in level term insurance the cost is to much so I'm looking at decreasing term life insurance as a joint policy for me and my wife. I wonder can I insure more than the mortgage is? My thinking is if I insure for example £120,000 then if…
Complaint against landlord insurance
I pray first that I am in the right area and secondly that someone can help me as I am distraught. I am a landlord, my tenants moved out January and I spent everything I had doing the house up, replastering etc. Now after a few weeks we noticed about a 10ft part of the wall wasnt drying, I found this odd so went next door.…
Health insurance for Guernsey?
I've established that the EHIC doesn't cover you for travel to the Channel Islands. What should I do? Open a health insurance policy for me and the family? We have adequate travel insurance that covers the Channel Islands just not sure what to do next?
Should I go to court?
In January I had a car accident which I believe I am not at fault for. I would like to know if you think I should attend court for it and if you think I am to blame / at fault at all. Here are the circumstances: 7:30am. I was in my car in front of the lorry that hit me. The lorry came from behind me in the overtaking lane…
Vitality Life Insurance
Thinking for changing my life insurance to Vitality as I have heard it can be linked to your fitness - i.e. I do a weekly parkrun and a few runs a week so maybe I can link it to my fitbit. Anyone else got a policy like this with Vitality or something similar?
Couples travel insurance?
I have my travel insurance with my bank account at Lloyds, it's a joint account but my husband is no longer included as he's over 80. He has a few medical conditions and lloyds will cover him but for a single trip want £760. I can get his insurance with stay sure covering everything for less than half of this. What I'm…
Car insured or not? What to do for the best
Looking for a bit of advice please. I will try and keep it short and to the point. Purchased car insurance on line on the 20th may 2016 , received a confirmation email ,payment taken , message said documents to be sent by email within 48hrs, A week later, last Friday ,realised that I had not seen these documents ,rang…
Am I at fault for claim?
I had an accident in France on my motorcycle. No one else was involved but the motorcycle was damaged and had to be repatriated back to the UK and the insurance company is repairing. The circumstances of the accident are that I was riding down a mountain road in the rain when the motorcycle slid from under me without…
Medical Insurance Discrimination
Hi all, I am hoping someone can help me. I read the following http://www.moneysavingexpert.com/insurance/cheap-health-insurance Right near the bottom it says that if there is an issue with the medical insurer to complain to the FOS. I have done this with regards to discrimination from a couple of medical insurers who have…
Skip flattened our dry stone wall
Hi all, Advice needed please: We've just returned from holiday to find the dry stone wall that separates our front drive from a small car park has been flattened, the extent of the damage runs from our section across to our next door neighbours, about four metres long. Other neighbours have said they knew a skip was being…
Van Hire Insurance
Here goes! I help marshal at triathlons and cycling events for a friend/acquaintance who runs them. On Friday he, as normal practice, put money in my account for me to hire a van in my name for the event. I paid for said van on my debit card (£320 plus a pre authorised £200 deposit). Unfortunately another member of the…
Car accident - NCB Question
Hi All, I'm new here so bear with. On Thursday 26/5, I was involved in a minor accident (Which I won't go into details of unless necessary) where the third party was at fault but denied all liability at the roadside and to their insurance company. I've phoned my insurance company and now have a courtesy vehicle while mine…
Scottish Power Boiler cover
We took out their boiler cover costing £11/mth. over 18 months ago and thought it a good deal. Yesterday we had a small condensate leak on the boiler and decided to call Scottishpower to investigate. The Engineer arrived and immediate said there is no Gas Safety sticker on the boiler so is not prepared to look at the…
Travel Insurance and Hostels
Son has booked a hostel and flights for Barcelona for a week at the end of July and I am now helping him sort out travel insurance. He has also said that he will probably go away again during the year so we are looking at an annual policy. My question is, will general travel insurance policies cover him for staying in a…
Assumptions turned upside down
My wife and I probably park our cars on the driveway half the time and on the road half the time. When renewing our insurance, I just assumed that driveway would be safer and therefore cheaper. But when I select 'road', the renewal dropped by a fairly significant amount, about £20 per car. Who'd have thunk it? Are you…
do i have to notify accident if no claim has been made yet.
Hi all, A couple months ago i bumped at 2mph into the back of another car due them slamming on the brakes for no reason (i am partially to blame for not keeping my distance), but no damage was made into any of the cars. I notified my insurer of the accident, and no claim has been made yet, it has been over a month. However…
Insurance claim
Hi everyone just a few words of wisdom as im a bit worried, what im going to tell you will begger belief. I am a landlord, my old tenants moved out january, so went through the usual doindg the house up this time plastering the works. While plastering the plasterer noticed a bit of damp on my 30ft wal, he advised using dri…
Are telematic boxes in cars worth it?
Firstly, I'd like to apologise if I'm on the wrong thread for this, but I just want to do a little research into this. I'm 19 and will be 20 in July and today I passed my driving test first time. I've been looking at cars and insurance for a few years now just to generally get an estimate of how much I would be paying when…
Best option to choose for assurance cover.
Hi all. Recently I have taken out mortgage of £200 k for flat for 28 years. I don't have any mortgage or life insurance. I was thinking to take out critical illness for 28 years (my age- 37 yo) or mortgage decrease term insurance without critical illness cover. Both for £200k Which is best option too choose.i don't want…

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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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