-
Hastings Direct - Police stop after admin error
Hey, posting here as I'm hoping you can offer some advice! Partner called Hastings in November to add a second vehicle to his insurance. Paid £300 extra and thought all was good, but he was stopped this week by the police who said he was driving without insurance. The police have checked the database and found that as the…
-
Attempted burglary - inform insurers?
We have had an attempted burglary, they didn't manage to gain entry but have damaged our front door enough for us to consider replacing it. It has been reported to the police so I have a crime number. We have home insurance. My question is - am I obliged to tell my insurer about this? If we decide not to replace the door…
-
Standalone legal protection
Hi, can somebody have a standalone legal protection cover that's not linked to a motor or home insurance? Thanks.
-
Glasgow Tenement Buildings Insurance
Does anyone know how much a 2 bedroom tenement flat should be insured for? Flat was built in 1890 approx and is insured for £350k. (Ground Floor flat.Market value at moment is £155k). Is £350k enough?
-
3rd party responsible for car accident
Hello to you all, I couldn't find a definitive answer to this one anywhere. Forgive me if there is one out there but I could not find it. I was in an accident (not my fault) and the 3rd party insurer sent their assessor to view the damage. The assessor immediately wrote my car off. I am still waiting for the claim to be…
-
Life insurance, history of mental illness
Hi I’ve been thinking about life insurance for a while, I’ve just had my 3rd child and I’m now a single parent, I’d love to get life insurance to settle my worries incase the worst happens however the places I’ve tried have all said no because of my history of mental illness. I tried to commit suicide in 2006 and 2013, I…
-
Advice on Total Permanent Disability Claim
Hello all, I've begun a claim on a joint critical illness policy, being made under the Total Permanent Disability clause, and being required to meet the following criteria (exact wording); Bending - You are unable to bend or kneel as if to pick up a weight of 1kg from the floor, and straighten up again without the…
-
Life Insurance - First TIme
Me and my partner are purchasing a new build house and have a moving in date of May. Today we have just been approved for our mortgage. I've done a lot of research into different types of insurance but feel like I've read too much and need some advice. We are both in our early 30's, good health, never smoked and have no…
-
A parents life insurance
I want to take out and pay for a over 50s life insurance plan for my father. But i am worried if he has any debt will i have to use the money to pay them instead of using the money for his funeral. And will i then have to take on his debt because i have taken life insurance out for him? Please any help would be greatly…
-
Council admitting liability
last Sept my wife tripped on a badly maintained pavement. She fractured her nose and wrist as well as other injuries. She was immediately taken to A&E and spent 5 hours there, not because of long waits, but because of xrays and the volume of people she saw. We reported it to the Council within 24 hours and within 48 hours…
-
Home contents including emergency
Hi mser!!!8217;s Whilst I!!!8217;m about to pay upto 100 pounds to a local plasterer since my ongoing home emergancy replacement lock which caused considerable damage. Any mse!!!8217;;s offfer recommendations I want to change content provider Essential:- all contents and items repaired or replaced Emergency home lock and…
-
Price comparison website BEWARE!!!
Hello, We have multicar insurance with Admiral and upon renewal my wife shopped around for better deals through price comparison websites and she incorrectly filled in one of the boxes stating that I had an endorsement of SP30 instead of SP50, which I had already disclosed to them the previous year. We decided to haggle…
-
I'm being sued because insurer won't pay car hire
I had a minor prang with a BMW four months ago. Alas, my fault, but all very amicable I thought, no one hurt, just damage to the tail light. Now I'm being sued because my insurer "didn't offer a suitable replacement vehicle". That's me personally being sued, not my insurer. They want £2600 for the cost of a hire car and I…
-
Water Leak Resulting In 3rd Party Damage - Liable?
Hi, I'm "Legalseeker" and new to here, but I find these threads useful to share experiences and understand the community's viewpoints and also to get some ideas and pointers. I also have a similar problem to previous threads where water leak occurred in Leasehold Flat and leaked to a property below, which is common issue…
-
Need advice rather upset by response
Hello MSE im new here but have browsed on here for many years now. I recently was in a accident that wasn't my fault, Other insurer admitted fault & my car was written off as the crash bar was damaged and bumper was cracked and ruined ( was a older car never the less still our trusty car! ) I was going round a round-about…
-
PHI refusal to pay out
Has anyone else had problems with getting Scottish Provident to pay out on a PHI policy? They have two definitions to how they classify you: "employed" and "self-employed" . I have been paid into my limited company for work done (as I had a few roles and was able to invoice gross) and this , albeit common practice, does…
-
Buying a new car three weeks after renewal
My current renewal date is 13 March and I am committed to buying a new car (build date 9 March so delivery will be 3/4 weeks after). What is the best way to renew my car insurance and avoid large fees to transfer my insurance to my new car? Is there anyway to make this easy and not cost a bomb in admin fees?
-
Car Insurance Cancellation - First 14 days Query
My 17 yr old daughter has just passed her test and taken out insurance with Ingenie. The guy came round a few days ago to fit the black box. We have now discovered her car has an oil leak from engine and is not viable to repair and she has been advised to scrap car. She is understandably upset. She now needs to cancel the…
-
CLAiming on insurance after burglary
Hi all, im looking for some advice. I was burgled a couple of weeks ago and Am about to claim through my home insurance but unsure of how to go about it. It was all gold and diamond jewellery that was taken. Most of it is antique.I have no valuations, receipts or photos. How can I estimate the value and will the insurance…
-
Annual family travel insurance
On a family policy would a child still be covered even if the parents weren't on the trip and if the child turned 18 half way through the policy would they need a still be covered
