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2 car insurance policies - Help for the love of god!
I need some help In the past, i have had 2 car insurance policies. Both of them I have been the policyholder First policy i have no claims and 4 years NCB , I have been the policyholder and main driver, the other policy I have 2 years NCB and then a previous claim in 2016 non-fault. I have been the policyholder but wife…
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Insurance void from inception and demanding money - please help
Hi there, So here is the short story. I took out motor trader insurance with ONE INSURANCE company. I took out monthly payments. Then after like 3 months, i get a letter that they think that i am actually not trading and that my insurance is void from inception. Meaning I had no cover at all. They didn't even ask for any…
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Which type of insurance to get?!
Apologies if this has already been covered...but struggling to work out which insurance to get as a single person ( no dependents) with a 23 year term mortgage? Any pointers would be great as most of the articles are saying I don't need insurance! Thanks
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Over 60s cover
I am 67 and looking to take out some life assurance cover. I am interested in two options. Either an over 50's plan to cover funeral costs etc. Or take out a fixed term policy say 20 years. It seems that the fixed term option offers a larger payout for a similar premium. Has anyone any advice on this? (The reason I'm…
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Go Compare Website
Hi all, I wonder if misinterpreted the questions on the go compare motorhome quotation website. I don't think I did. If I have ,then the questions asked are ambiguous and need to be changed. I would welcome your views. We have a Motorhome which I own and insure for myself and my husband to drive ,and a car which is my…
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Critical Illness insurance If you've Already Been Paid Out On One
I got paid out on my critical illness insurance last year and thankfully I'm just about back to normal and working full time again. I'm 37 and thinking whether I should take out another policy but before I speak to someone: - Am I now: - * Un-Insurable * Premiums will be sky high * Be normal price but loads of things will…
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Car shows on Insurance Data Base Theft Register
I have owned an Audi RS4 for 7 years, back in 2013 it was stolen using the keys. Three days later was found and recovered with no actual damage as such, carpet cut, boot panels pulled out, scuff on the seat etc. The car was and still is insured with esure, on speaking to them I did say I didn't want the car back to which I…
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Claims history
hi guys, basically, my insurance runs out 28/02/2017. I'm going with with a company that only asks for 3 years claims history. Basically, i had my accident on 18/03/2014 - and the question is "have you had any accidents in the last 3 years" - if i say yes, it asks for month and year. So, as from 02/03/2017 - it will be 3…
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Charge for loss of commission
First post I hope I have posted this in the right place and conforming to all rules! My current insurance broker is quoting me a ludicrous cancelation fee mainly due to their charge for loss of commission. Any and all help would be appreciated. I will try and keep this brief. We have been under cover for landlords…
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Car insurance and where your car is parked overnight
Quick question obviously cars are mobile so if you park at a different address say on holiday your car is still protected right? I wonder how it is proven where you keep your car each night? what if your car is equally at two addresses
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I got paid for my landlords insurance!
Its official - cashback is now in my bank account. Took out a Direct Line policy which they had already price matched and taken down by £100 to match the cheapest quote I received. Cheapest was £99 and Direct Line brought their price down to just under £89. Winner! As I went through top cashback I got back over £133…
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Car accident
Hi all, I was pulling out of my drive by reversing and had almost 30% of my car on the road before someone deciding they don't want to stop and bang hit the car. I have reported it to insurance, is that my fault or theirs? Thanks
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Car insurance right off: options and implications
Hi everyone, A drunk driver crashed into my car (parked outside my house) at the weekend and sped off. *cue the violins* Luckily no one was hurt and the damage to my car is a few dents in the body work and it still drives ok as far as I can tell. My insurance company has declared it a write off and given me 2 options: A)…
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Paying for 2 Policies from same provider
Hi I hope someone can help. My husband has been paying out for 2 life insurance policies from Legal and General, the oldest policy he had when he took out the mortgage and the 2nd one was set up about 3 years ago when we made our wills, a financial adviser recommended he take out the policy but I cant see what the…
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Flooded basement claim, any experiences?
Hello everyone, I'd like to ask if anyone has had any experience with insurance claims regarding basements. We live in a double terrace with a basement which was converted by the previous owner, over the last few weeks we notice a damp smell and thought nothing of it at first, but after removing the flooring we found it…
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Free life Assurance if child under 4
Hi all, Don't know if this in right place but when I was in Post Office the other day it said that you can get free life assurance for a year if have a child under 4. Though it may be worth investigating if you fall into that category.
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Blasted travel insurance!
Trying to get some online quotes with cashback. I had an accident just over 12 months ago and twisted my knee. MRI scan in October showed no cartilage or ligament injury, just general age related stuff triggered by the fall for which I am now having physio. So far, so straightforward. If I put knee injury in the online…
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How to estimate cost of kitchen
Due to flooding, my kitchen base units are to be put into storage until they dry out and repair the floor. The storage company (through my insurance company), have asked for a valuation of what's to be stored. Not sure where to start really as the kitchen was already here when we moved in and I don't know where it was…
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Windows/Glass Insurance
I know you can get CDW insurance to avoid the £20 per day charges from car hire companies but can you get something similar to cover any tyre/windscreen damage? I've noted that the likes of Europcar/Enterprise are adding this to their car hires, was looking for 4 days hire at a lovely £54.61 but it goes up by £36 to add…
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If Emergency Cover used will no claims be affected?
Hi just wondering if the 'Emergency Cover' used for a toilet flooding affects your no claims house insurance? Appreciate any help Thx
