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Insurance & life assurance

Archives for January 2018

am i legal to drive a UK car in europe
Dear Forumers, I would like to know if I am legal to drive a UK car in Europe without buying or upgrading current my car insurance. The DVLA indicates that: "All UK vehicle insurance provides the minimum third party cover to drive in other EU countries." (https://www.gov.uk/vehicle-insurance/driving-abroad) But my…
Options after policy cancellation
Hi, I recently had not one but 2 policies cancelled. Home and Car. This happened because of a claim i made against home policy which got rejected as insurance company suggested some previous disclosure i did not make regarding the house. It seems to be a miss but i definitely did not declare.The icing on the cake was when…
Help with Life Insurance
I have been looking for some life insurance in the UK. I sent this query in to the MSE team, but thought it might be worth throwing out to the forum too. I have found this advise from the main Money Saving Expert site: moneysavingexpert.com/insurance/cheap-life-insurance The article gives a great breakdown of what to look…
Pre-existing medical conditions travel insurance
Hi all My partner was hit by a car 6 months ago and sustained several serious injuries, including a head injury and a vertebral fracture. I know that these are the sort of thing you need to declare on travel insurance, so I’ve been getting a few quotes as we are going away in June and September. I used a price comparison…
Hastings Direct
Never ever use this company. Rip off merchants. My car has been scrapped but instead of a piddly £20 ish refund no....they charge me a £45 cancellation fee and I owe them to cancel! Team leader was a waste of space. Would have got more help from talking to my dog that him!! Registered a complaint but looking at these…
MGA Confusion?
Hi, I am a bit confused regarding what an MGA (managing general agent) actually does, are they part of a company or are they there own company. Any feedback would be much appreciated.
Employer Private Health - £350 for 10 minutes
Hey all, Can someone please help me with this I don't know what to do. I had Vitality - private medical - through my employer I basically attended an appointment / consultation with a Doctor AFTER I left my job. This appointment was 10 minutes however as a result I'm being invoiced £350. I'll explain as a timeline as I…
KnowHow Agreement (Currys & PC World)
Hello all, any advice greatly appreciated. I had an agreement with KnowHow to cover the cost of repairs to a dishwasher if it became faulty. I have had the cover since buying the product and have kept all correspondence. I received a letter from them in April of 2017 that stated "to subscribe to a 12 month knowhow…
Legal Cover with Home Insurance
Some information for those taking out this type of extra cover with their home policies. We took out the extra cover believing that we had a good war chest for legal claims which would include consumer issues. We have a problem with some double glazing and believed that the company should cover the problem under their…
Redundancy/Unemployment Insurance
Hey, looking for some advice, has anyone used redundancy insurance or unemployment insurance? Currently in a job where it is very likely the axe may fall, is it worthwhile taking out a policy like this? Who do you recommend, haven't seen this type of policy on the MSE site. Thanks in advance. AWNP ; )
Man v car
Is the car driver always liable in an accident involving a pedestrian? Someone has just walked into the side of OH's car as he was driving through a pelican crossing. He'd seen two people stood at the side of the road waiting for the lights to change, but while the red man was still on one of them walked out into the road…
car insurance question
hello, i'm a university student wanting to purchase my first car, and I am currently looking at insurance quotes. What surprises me is that no one seems to want to insure me at my term time address or refusing me to pay monthly or giving me ridiculously expensive quotes of 5/6/7k, compared to my home address where my…
Car insurance question
Hello, Just wondering if anyone can help answer my questions. So my husband has recently passed his driving test (nov 17) and has just bought his first car. We have been searching insurance quotes to find the cheapest best deal. However the cheapest we’ve found is £1820 with a black box and limited mileage. My husbands…
Free Lunch (insurance)?
Hi All, I seem to have found something too good to be true, so thought I'd check in here for opinions... I'm going to be driving in France for a week in March, so am planning to buy Europe breakdown cover. My car insurance company offered to add it to my policy - but pointed out that I can cancel within 14 days. There's no…
repair advice
Hi Hoping for some advice. Someone hit my range rover Evoque has i was going around a island. the driver admitted fault. The insurance phone and wanted me to take it to there garage. I said i would take it to a land rover approved garage. So i went to Stratstone who do my service and mot and any repairs. insurance have…
Qn on car insurance
After some advice on getting my car insurance. I've just relocated back from working overseas for 6 years and am in the process of buying a new home. Temporarily I'm staying at my family home. I need to buy a new car before the house purchase goes through but it will literally be 7-14 days before the house completes. My…
Car insurance quotes confusion....
My car insurance was due for renewal last October and the cheapest I got was with direct line for just over £900. It was a lot higher than usual but had to choice. So fast forward today and I’ve just done some quotes as I’ll be adding a named driver in a few months and it’s now giving back quotes for £420!! Bloody half…
Insurance - Burst Pipe - Electrical Items PAT Test
We recently suffered a burst hot water pipe upstairs. The water poured through the ceiling for 2-3 hours and covered pretty much everything. Water was pouring out the bottom of the TV when we removed it from the room and the same was pretty much the same with all the electrical items we removed (with listing them all the…
Which insurance for a pre-existing condition?
Hi there everybody.. I am wondering if you could advise on which insurance product I would need for a condition I have. I am a teacher, not married and no children, about 30 years from retirement. I have currently got life insurance but I don't think I need this as I have a teachers pension. I have an ongoing condition…
Insurance provider wont send me policy documents
Hi I took out a policy for car insurance on 08/11/17 for my son who just passed his test. paid £1700 for it. I canceled the policy on 09/01/18 as he has moved away for work and wont be using the car. The insurance company only refunded £1000!! I have emailed them several times before cancelling and after to request policy…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Insurance & life assurance

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