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Combined insurance help please! :)
Hi everyone I have looked through a few pages of posts and can't see anyone asking this already so hope it's not a repeat question...but I am looking for any hints / tips for combining insurances. I have car insurance with Swift which is £48 per month. I have home insurance with Axa which is £8 per month. I am 36 y/o,…
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Income Protection Policy Query
Hi Looking for some guidance and help please. I have an existing Income Protection Policy with one of the big providers. This policy increases yearly with inflation and the policy has a yearly anniversary review. I queried with the policy provider if this is likely to increase over time due to age, they say not and the…
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Life assurance premium increase
I have a policy with Old Mutual Wealth. Last Year I opted to pay an increased premium for a further five years cover. I have the option to pay an increased premium this year but can decline and still have the same cover for the next four years. I'm pretty green about this kind of stuff and am not sure of the implications…
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Additional or mutiple Travel insurance
I have just purchased Travel Insurance with medical conditions declared - but the cancellation cover per person is only £5,000 and the holiday we have booked is a once-in-a-lifetime trip, and so is going to be a lot more expensive. To increase the cancellation claim amount is going to cost more than the annual world-wide…
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Car Insurance: Admin fees for changes and named drivers
Hi, thanks for taking the time to read my problem. I have a question where I am trying to minimise my admin fees in some changes I might not even need to make. So here's the thing: Currently my wife and I both have a car each and are both named drivers on both policies and both of the policies are currently with Admiral.…
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Employed AND self-employed - Which to choose for Car Insurance
I'm both employed and self-empoyed - although my employed job is my main money earner. However, I'm getting much cheaper quotes if I enter that I'm self-employed. Can I just use self-employed on my car insurance, even though I earn more through my employment?
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defaqto
Is a 1* defaqto rating bad news?
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Eligible Complaint?
Hi I've wrote to my Life Insurance Company twice now back late Nov and mid Dec and not had a response - I only wanted to know what I was actually covered for? Do I have grounds to complain? Thanks
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Car insurance mishap
Good Morning, New to the site in terms of posting but visited frequently, little advice or other past experience if i may? I took car insurance cover out via a price comparison site, everything is fine. Rang insurance company to gain a quote on existing policy prior to viewing a new vehicle (new vehicle is import) to which…
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trapped in pet insurance policy?
Hi. We need to insure our pedigree puppy. When we registered with our vet, they gave us 4 weeks free insurance. During that time, our puppy managed to hit his head pretty hard. We didn't claim on the policy but we did take him to be checked. The receptionist told us we would now be forced to stay with this provider as…
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Car Renewal Due <1 month before 25th
Hi everyone, Just a quick question avoutcar insurance renewal. I know that the quotes generally come down when a person turns 25. Unfortunately my insurance is due in March when my birthday is the start of April. I was just wondering if anyone had had any luck negotiating this with your insurer? I'm going to call and try…
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Car Hire CDW tips/help please
I have read here http://www.moneysavingexpert.com/travel/cheap-car-hire#insurancetrick What I am unsure about is if the insurance offered is sufficient? I have a trip planned to the USA soon and want to be sure I'm OK if I decline the Hire company cover. I do understand I may need to leave a large deposit Any experience or…
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Phone insurance proof of IMEI
I have nationwide's flex plus insurance package. their terms mention that the proof of ownership must show the IMEI number, make and model. The iphone I got from John Lewis only mentioned the make and mode, but not the IMEI. Did anyone had the same issue?
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accident exchange
Had a bit of a bump, my fault. Swapped details and we both drove off, one of them. Now I have accident exchange on the phone, every ten minutes or so, demanding my details otherwise they'll get the other party to report me to the police. But they have all my details, hence they know my name and phone number etc. I reported…
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Insurance Co. bankrupt, what to do?
Sorry if this is in the wrong place. I was hit by an insured driver. He was at fault. I was injured and my claim is going through. Now I have been told that his insurance company has gone bankrupt and instead his solicitors will be paying me. His insurance had agreed on £x but they folded before paying me. However, my…
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"Mortgagee Protection Clause"
Hi Have had a mortgage offer from Virgin and they specify that the home insurance policy must contain a "mortgagee protection clause". I have contacted a few of the cheapest / well-known insurance companies, and they have not heard of a "mortgagee protection clause". Has anyone else heard of this? Or is this an…
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Home insurance
Is anyone aware of 2 types of buildings cover? One is underwritten at source and probably more expensive and one underwritten at claim. I have searched the internet for this but can't find anything. Is it a trade secret? Cant find anyting on MSE site. Even talking to AA they don't have a clue what i am going on about
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Outstanding Claim Settlement
Some 30 years ago, insurance settlement was made for both my parents death. Settlement cheques went to my brother, who was ill, and all documents were 'lost'. These came to light recently - all documentation and cheques are with me. Insurance company stated that they would have reissued cheques 6 months later, but brother…
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Date of accident or date claim paid?
Hi I'm renewing house insurance and the date of the buildings accident was Dec 2013 but the claim wasn't paid until March 2014. So can I say I have over 3 years no claim now or do I have to wait until March!! TIA
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Miss-sold Accidental Death insurance instead of Life Insurance
Hi All I would be really appreciative of some advice please. My Dad passed away a few years ago now from Cancer , when we found out he was terminal we began to make sure his affairs were in order. My Dad was the type of man who always bought the extra guarantee with anything . When we went to the bank to discuss his…
