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Insurance & life assurance

Archives for October 2016

Royal London and making an claim on joint insurance
Hi there, my partner and I had an joint life insurance policy. This was with royal London. He was killed instantly in an collision with another car so we are still waiting to hear exact cause of death but have been issued with interim death certificates. We have sent everything off and it is with an accessor now. From what…
Help car insurance please!
My daughter is 24 and has recently received a higher car insurance as prices have gone up she works hard, is trying to run her own business but needs to drive to clients. She works hard and has not had an accident, driving for 7 yrs no claims how as a mum can I help give her suggestions in a world where those who do the…
Changed car and price gone up £100!
I can't see how this can be right. A new quote on compare site was £100 less. Should I just cancel and start again and pay cancellation charge.
Lower car insurance
Hi Folks. Thought I would just tell you about our car insurance renewal. We just had a renewal through from LV ( we used them last year). The renewal price was £40 plus increase from last year, which is a heck of a jump. I went onto the LV website to get a new quote as though I was a new customer. However, when the home…
Claiming against the third part - car insurance
Hi, On Wednesday someone went into the back of my car. It's 3 weeks old and a lease car so I have to get it fixed. It was seemingly minor damage so I told the guy that I would give him a chance to sort it out without an insurance claim. An approved bodyshop gave me a quote of £350+vat, but he is not returning my calls and…
Landlord Insurance Company refusing to renew Insuurance policy after Subsidence claim
I recently put in a claim for a chimney which was tilting to one side and a separate claim for subsidence. Both were declined. Now the policy is up for renewal and the company are refusing to renew the policy. The reason given is because there have been too many claims. I believe there have been 4 claims in the last 3…
Uninsured car, accident not at fault..
I missed my car insurance renewal by one day. Unfortunately, my wife had a minor accident. Someone hit her from behind, causing the bumper to crack. No police involved, no injury, he claimed the fault, details has been exchanged. When she got home we got a message from his insurance company that they already know about the…
Best Pet insurance???
So we are getting a puppy and will need insurance, looked at Kennel Club but seems expensive at £22 a month. Do we need to spend this much or is there a decent cheaper alternative?
Term life insurance
I am wondering if anyone can give me a little advice about selling our term life insurance which is no longer for us we tried to cash it in only to be told no cash in value on this policy so we thought after paying into it for 15 year could we get something back if you can sell them help would be appreciated :)
Is a Part 36 Offer from both Claimant and Defendant possible?
Hi All - I am currently going through a property dispute in which I am a joint owner and the Claimant. The matter is currently being dealt with by the courts. I did have a solicitor but due to their fees and lack of service I have been representing myself for a while now. I have previously made a Part 36 Offer via my…
Income protection insurance - when to get?
My husband is starting a new job at the beginning of December and we would like to get an income/ mortgage payment protection policy but not sure how long to wait. Do we get on day 1 of him starting work, or wait until after his probation (3 months) has been passed? Do these policies generally have some sort of minimum…
Help!!
Hi I'm hoping you can help me...so I got a car insurance renewal letter from the AA. The quote was rubbish so I took out insurance with another company and rang the AA to cancel the renewal insurance. Then today I got amy email from Hastings thanking me for renewing my car insurance. Not paying attention to the names of…
Car Insurance - Admiral's Tactics
First some background, in this post, and then a question in the second, and a horror story in the third. All help, advice, sympathy, cups of tea etc. very welcome. I insured my car with Admiral in 2014 for £300-odd with protected no claims, I got a stone through my sun roof, windscreen and sunroof replaced and damage to…
How likely is a claim going to impact on future home insurance quotes
Hi folks, I made a claim on my home insurance yesterday first time ever in my life, child sliding up and down bath managed to crack the acrylic bath, and as with a lot of things going to cost me a lot to replace it, no replacement cream bath, tiles will be damaged taking old one out, haven't got any replacement tiles, so…
Car Insurance up by over 200%
How can this be? Last year's premium was £271. Add on the fees, pay by DD, take off discount and total amount payable was £314. This year's renewal given that there's been no claims (now at 11 years), no change of address, car, family details, job, etc. Renewal price £571. The fees are about the same give or take a few…
ASU/income protection insurance help please
Hi all, When I bought my house in 2005 I went through an IFA who set my up with an ASU policy and life insurance. The ASU policy paid out nicely the first time I lost a job but then didn't the next time it happened. It's about £23 a month covering about £450 a month but I knocked off the unemployment part when I was…
retaining my No Claims Discount
Just wondered what people’s experiences were with losing their NCD when they have taken a break from insuring a car. I have managed to accrue 20 years of NCD and obviously this earns me very substantial discounts when it comes to the cost of a policy. However, a change of job now means that the car goes virtually unused…
Life insurance or a funeral plan???
whats the point nobody answers???
Change car on insurance policy
Hi, after a bit of advice before going to war. I have been with an insurance provider for 2 years now and have just changed to my 3rd car. On changing the vehicle the first time the premiums went up from £80 to £140 due to the nature of the car, which can be expected. However, when changing the car from a high performance…
Daft question
I've been stuck in the house the last few days and have seen a few adverts for life insurance providers who are claiming that when you die, your family is guaranteed to get either your insured amount or all the premiums you've ever paid, whichever is greater. How on earth do they make money? What's the business model…

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Insurance & life assurance

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