-
ERA Recovery
I would appreciate any advice on dealings with the above. In March 2016 my son broke down on the M62, about midnight, on a very cold night.He had road recovery with One Call as an add-on to his car insurance. He eventually got through and was told that he did not live within the radius for full recovery of his vehicle…
-
6% knock off valuation
I am negotiating a claim for total loss of my car. Now they have said that they calculate an average based on examples from autotrader, and then knock off 6% from that number to get a valuation due to 'potential negotiation'. It was my understanding this is no longer a valid approach as internet adverts mean dealers don't…
-
Home Insurance Unoccupied House
Hi, does anyone have any recommendations for house insurance (preferably both buildings and contents) for an unoccupied new build? My daughter is about to exchange on her first home prior to getting married next May and they want a couple more months to save up for furniture and wait for Jan sales etc before moving in.…
-
Accident or Incident?
I'm currently shopping around as my car insurance is due for renewal, and I'm not too happy with the price my insurance company has quoted me. The problem is I had an incident two years ago, but I'm not really sure what it qualifies as. I caused damage to a parked car while reversing out of a parking space, there were no…
-
Car insurance, young driver, parked car hit by another driver.
Hi, just looking some advice? My daughter had her car parked at a local shopping centre, when another driver drove into her car and damaged it quite extensively, estimated at around £1300. The driver drove on and did not report any accident. Luckily there was CCTV footage of the incident whereby PSNI could identify the…
-
Changing car insurer and no claims discount
Hello I'm coming to the end of my first year with my current insurer and looking to change to get a better deal. My question is about is about my no claims. As my year technically isn't up, how do I go about getting a new policy set up to switch over on the day my old one finishes that utlises my discount? Will I have to…
-
What should I do?
When I was 35 I took out joint level term life insurance to cover our mortgage. We pay £29 per month. It pays out £250k if either of us dies or is terminal. It was for 25 years. I have now paid off the mortgage and have plenty of savings. I am now 50. I am planning to retire at 52 and was looking at reducing outgoings. It…
-
Car insurance claim with named driver.
If I am a named driver on a policy, and the main driver has an accident and claims. Does my insurance premiums go up? And do I lose my NCB
-
Life Insurance with no dependants
Hi, I have recently purchased my first home and took my mortgage out through an estate agent broker (understand now this was perhaps not the best decision!) He advised me to take Life Cover, however I now realise that I may not need this. I am single and have no dependants, so I'm now thinking to myself should I really…
-
Minor Car Accident - happy to settle 50/50 but other party contesting
Hi there, I'm hoping you can help offer some advice. I was involved in a minor car accident back in April and now, 7 months on, I have been told that both insurance companies want to settle 50/50 but the other party is contesting and wants to go to court. Let me explain what actually happened! I was following a large lorry…
-
Finding buildings insurance from exchange
HI I understand that we need buildings insurance from exchange. However I am finding it strangely hard to find a website to get a (reasonable!) quote for our situation:* no current insurer (we did for the house we sold earlier this year) * potentially a 2-3 month period between exchange and completion * the property being…
-
Gadget/laptop travel insurance long stay
Hi...I will be moving to India for a year or so to work/volunteer and am looking for insurance that will cover my MacBook Pro while I’m away. I will be travelling around so am looking for a policy that covers damage, loss and theft for that time. I’m struggling to find an insurer that covers more that 120 days, if anyone…
-
Home insurance/Loss Adjuster Issues
I am a landlord who recently had some tenants move out due to a burst pipe in the house. The loss adjuster is of course trying to reduce the amount of insurance payable as much as possible. I have two queries. Firstly he is trying to refuse to pay for a £30 call out charge for a plumber to empty the dehumidifier. He…
-
Fire Damage Advice
Hi all, Recently been involved in a situation where a car parked next to mine was the target of an arson attack. This fire then spread to my car and by the looks of it, wrote it off. The issue is that the car is worth very little, and my excess is higher than the cars value. Should I claim, or would it be a total waste of…
-
Home Insurance
What is the best place to get a quote for home insurance, and after checking there what companies should I try directly because they may not be able to be checked in the first place? How does the quote system work? Is it based on type of build and number of bedrooms or number of rooms? My house is traditional stone built…
-
Car insurance claim improperly handled
Hi I had a very minor accident in my workplace private car park where we both thought we had enough room but unfortunately didn’t, our cars touched briefly causing no damage to my car however the other party claimed I caused a scuff/dent on his. As I’m a first year driver I wanted to settle this outside of insurance no…
-
Non fault car accident advice please
Hi I'm looking for some advice following a car accident I was in on Monday. I was driving along a main road, following the speed limit with my lights on and fully functional (no headlamps out etc) when a car pulled out of a side road on my left to turn right. I had absolutely no time to stop as the other driver flew out of…
-
Has anyone been to a car insurance claim court hearing?
I got into a car accident almost a year ago.I got her the other drivers details, I have an independent witness and I reported this to my insurance but the other drivers insurance kept ignoring our claims so my insurance filed court proceedings against them. Now almost a year later the other driver has got back to us and is…
-
Wall damage insurance help!
I've been in touch with an insurance company to get my wall repaired, after if was damaged by a lorry. I sent three quotations to them and they have come back to me to ask me to go back to the builders to ask them to reduce their labour cost. Is this acceptable - should the insurance company be doing this?
-
Life Insurance Co Delaying Payment
Hi First Post! Over 18 months ago my brother died in the USA where he was resident. He was alone, divorced and had no contact with his kids ( 1 son one daughter now in their teens) after deliberately cutting them out of his life. His papers were passed to me by his landlady after she was told by his ex wife they had no…
