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Home Insurance Fire Claim Diary
Day 1 Fire at house next door. Police and Fire Service have to break our front door to check if there are any occupants and if the fire had spread to our house, as we were not home. Thanks to the Police and Fire Service, fortunately no one was hurt. Our house is full of smoke, have to open all the windows and doors, front…
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Car hit from front
Hi all, a few days ago I was stationery waiting for someone and a car had hit me from the front, my car is not damaged but I have now started pain in my neck and upper shoulder. I was on my phone so I was at an angle when the car hit me. The driver admitted liability, with the excuse that he had not seen me, he was driving…
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Contents Insurance - Ceramic Hob
Hi all, I am currently renting a property and I've just managed to drop a heavy jar on my glass/ceramic hob. Result: a badly cracked hob (with a big lump missing too). I have contents insurance (with accidental damage cover) but the policy wording is very vague so I'm not sure if something like this would be covered? I…
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INSURANCE Dictionaries
I cant say how many times ive trawled the internet to find insurance dictionaries, which near enough has ALL the technical terms one would need/use within the Lloyds market/syndicates... I am finding this very, very difficult. If any of you guys have recommendations that would be fantastic. Examples would be: ANY ONE EVENT…
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Car hit at back of my car
Hi, Today I was just about to cross the round about signal and noticed the signal has gone red so had to stop bit quickly, then with in few seconds I got hit by a car from the back. I Stopped just after the stop line near the signal. I got down and had a word with other lady involved she gave me her number, name and car…
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Subsidance caused by tree in street
A tree on the grass verge looks to be causing subsidence in the street. Our front wall and a section between ourselves and neighbor is falling towards it slightly, all be it by a few centimeters - but enough to cause significant cracks in the wall. Also the road is concrete, and the slab outside the neighbor has dropped…
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Admiral Insurance 2 years now ask for NCB proof!!
Hi everyone!! Just after some advice with Admiral car insurance. I have been with them for over 2 years, made a no fault claim and now they have advised me there is a discrepancy with my no claim bonus, if I don’t provide proof in 14 days they will knock it back to 0 years and back charge me!!!! Spoken to my previous…
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FTB Insurance, Critical Illness & Income Protection
Hello, My boyfriend and I finally got the keys to our first home on Friday. I'm now starting (I realise I should have done this sooner...works been very busy!) the task of looking for life insurance/critical illness cover & income protection. I've seen a very similar post on here recently and have got some great info from…
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Joint home insurance
I'm living in my parents old home, which I own 50% and brother and sister 25% each. Both brother and sister are married with homes of their own. I pay no rent and all contents in the house are mine. My insurance company requires me to have all three names on the policy and if they or I claim it reflects on my or their…
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Car Insurance renewal much cheaper than comparison sites!
Hi all I received my car insurance renewal form Admiral yesterday which was c£1 more than last year. As always I checked comparison sites to see if it can be beaten and for the first time ever, the renewal price is much better than what I can get from another insurer. Using exactly the same details of course but with…
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Two theft claims and can't get house insurance - Help!
My shed got broken into in 2015, my house then got broken into in 2017. Both times I claimed on my insurance. I am now coming to renew and everyone keeps saying they cant quote me due to my claims history - 2 claims in 3 years. Really unsure what I am now meant to do as I obviously want my buildings an contents covered.…
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Notification of building claims covered by residents management company policy?
In terms of the usual question when applying for home contents insurance that asks if you have had any claims in the last 5 years, does anyone know whether it is expected that I should disclose building insurance claims where the buildings policy is not in my own name but is in the name of the residents management company…
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Accidental damage to content question
Having a very active 2yo I am considering to add an acidental cove to content to my insurance when the renewal date comes. I am however confused as to whether it would cover if my child was to brake something delibiretely eg has thrown something in to TV etc? Also I understand that this sor of cover is normally coming…
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Ryanair/Travel Insurance
sorry if being a bit thick but looking for some advice please. I am booked to go to Dublin for 2 nights in December with Ryanair (yes I know!). Would travel insurance cover cost of accommodation if they change times of flights that it's not worthwhile going? Or if they cancel flights. many thanks
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Insurance Claims Database
Hello Does anyone know who owns the data and maintains the insurance claims database? I have had home insurance cover with Swiftcover since 2013 and have made no claims. I decided to switch provider this year and tried to take out a policy with Admiral. When I tried to take out the policy online I was told to call their…
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Insurance comparison sites
I'm looking to insurance my car but what other insurance comparison sites are their other than confused, uswitch, gocompare, comparethemarket.
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Car insurance blunder!
Hi all, Been going through some old paperwork and came across a receipt for car windscreen replacement which i had done in January 2016. This was done through my previous insurers, admiral. I stayed with admiral for another year and then this year (January) their renewal quote was high so i shopped around and took up a new…
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No claims discount
My partner sold his car last year, he has a works vehicle which he uses to and from work and other times he uses my car (he's a named driver on the insurance). He doesn't want to loose his NCD, which I believe will be valid 2 years. If he were to purchase another car, could he keep it for just a short period (say 3 months)…
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Insurance Policies, Critical Illness / Income Protection
HI Guys, I am due to exchange on our 1st home this week along with my partner. I have been advised by my mortgage broker that I should look into some level of cover; Life Insurance for mortgage value decreasing over the term Income Protection Critical Illness I am the main earner (Circa £50,000 largely bonus based) and my…
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Advice needed: 2 car insurance
I need some advice. I have a car which is in my name and insured as me for main driver and my husband for additional driver. We have decided to get rid of his car and he will take over mine and I will buy another car..... BUT.... the policy for my car is up until Feb 2018 and if I make any changes to it there is a fee of…
