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Insurance for Musical Equipment
Hey there, I'm a semi-professional musician with enough gear that I need to insure it. However, where the cover really counts for me is having it covered outside the home. For example, covering it for when it is left overnight in a secure practice room (I play drums, so really it lives in said practice room). It doesn't…
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Uninsured Accident- Help please
Good Morning, I'm enquiring on behalf of my (stupid & naive) brother in law! He's recently asked for my help, and I'm a little unsure myself. I'm hoping someone clued up on insurance may help me to help him. He was involved in an accident last September (2017) he was at fault, he bumped into the back on an Aldi at traffic…
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Uninsured Accident- Help please
Good Morning, I'm enquiring on behalf of my (stupid & naive) brother in law! He's recently asked for my help, and I'm a little unsure myself. I'm hoping someone clued up on insurance may help me to help him. He was involved in an accident last September (2017) he was at fault, he bumped into the back on an Aldi at traffic…
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Hotel...Can I claim
Hi Holiday to Guernsey this week Hotels been booked via expedia and do not need to pay until 48 hours before. If flight is cancelled due to snow and I have already paid, will I be able to claim on insurance. Not sure if to cancel the hotels and just risk losing the flight cost rather than flight and hotel if I can't claim?…
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Travel insurance for missed connections
Hi, I know that missed connecting flights are covered by airlines if you are booked on a single ticket. I want to book two separate point to point flights that will be on separate tickets and thus if a delay in the first flight causes me to miss the second flight, neither airline has an obligation to arrange a new…
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NCD changing bike insurance
I sold my motorbike last week and because my insurance runs out in 2 weeks, I have decided not to cancel the policy so I can keep my year no claims discount. I have now purchased a new motorcycle which I must pick up next weekend and I have found a different cheaper insurance company than the one I was previously using.…
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Multiple Travel Insurance Policies
My son is going on his first lads holiday this summer, a few days after his 18th birthday. He tells me hes sorted his travel insurance but Id like to buy him a policy that I know provides good cover just in case of a serious incident. Could that invalidate either policy? I dont intend to tell him about it. He considers…
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1 year's free FMB membership with FMB Insurance
1 year's free Federation of Master Builders membership for house builders when they take out a New Homes policy Search for "fmb insurance offers" on your fave search engine (can't post links)...
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travel insurance and sickness
I am thinking ahead here. We have just had to cancel a holiday as my husband is sick. We have booked a holiday at the end of May to Spain. I took out insurance month's ago when he was fit. So far I've just paid a deposit but they want the balance by the end of March. We don't know as yet what is wrong with DH so he may be…
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Declined Life Insurance
I’ve been declined life insurance due to my medical history. I’ve seen the adverts for these over 50’s ‘no questions asked’ policies, and wondered if there is anything similar for people under 50?
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Personal liability insurance
I have been trying to find a UK provider of Personal liability insurance (not Public liability insurance) but can find none. I am thinking of something like the German Haftpflichtversicherung or American Umbrella insurance type policies. At present I have no insurance whatsoever. I have no house or contents insurance as I…
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should i still be paying decreasing life insurance
Hi I'm new to this but I don't seem to be getting answers anywhere else . I took on my mortgage in 1999 & at the same time I took out a decreasing life insurance policy to run along side my mortgage . in 2009/2010 we moved homes & ported our mortgage to the new home at this time we asked about our life insurance & what…
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Liability whilst charging Electric Car??
Good Morning Folks. My random thought for the day whilst out for my morning contitutional...There's an Electric/Hybrid car in our village that's charged from their house, with a cable running across the public footpath. They have placed a rubber cable "tidy" over the cable to hopefully avoid anyone tripping over it.…
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Public/ product liability insurance
Hi My builder did a botched job of my roof which has caused cracks to my walls. I'm looking to claim on his insurance (he accepts fault and have me his insurance details to make a claim). Can anyone advise me as to what defines a product? Obviously it when a boiler is fitted, but can it also mean a product that had been…
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Life insurance - the odd cig ? Smoker?
Hi My husband 'classes' himself as a non smoker (classic argument) but every now and then he will have a cigarette or 2 on a night out. So this can be once a month, maybe twice. I have my life insurance all sorted. Had it all before I met him 12 yrs ago so he's fine and dandy if anything happens to me. We don't have…
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Provisional car insurance
Wondering if anyone has any advice I'm looking to insure my car as a provisional driver. I've searched all the comparison websites with both a provisional and a full license to get an idea of prices.. but the lowest quotes aren't with the same insurers for either licence. Am I likely to have to change insurers to get the…
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Car Accident - What can you claim for?
Hello to you all, I was recently involved in a car accident (not my fault). The 3rd party has now settled on a price for my car (which they had written off). The whole process was relatively quick (around 1 month) but my question is as follows - apart from the car am I entitled to claim anything else from the 3rd party…
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House insurance questions
Good evening peps I've had my house insurance renewal though and now wondering if I can save some pennies by changing etc. My renewal came though as £477 House and contents no high value items. It's a 3 bedroom house with a consevitree. Last year my financel chap sorted it out for me as I didnt know what to look for in a…
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Chicken Pox TONIGHT holiday in the MORNING!!
My 4 year appears to be rapidly developing spots. The 4 of us are due to fly at midday for a skiing holiday. We have a annual travel policy (with winter sports). It has a £4k claim limit which is not the full cost of the holiday (i know!!, unless I luck out and that is per person). Will I be covered for canceling all of us…
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Anyone got an income protectionpolicy? LV any good
Seriously considering taking an income protection policy out paying circa 2k a month until aged 60. Both advisers from Cavendish and life search have recommended Liverpool Victoria at a cost of £35 pounds fixed until policy end. Anyone any experience of the two or is Liverpool Victoria a good policy? Is aged 60 about right…
