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Insurance & life assurance

Archives for July 2018

MSE News: The best day to buy car insurance to slash costs by £100s/yr
Buying your car insurance three weeks ahead of the start day is likely to get you the cheapest price from a comparison site, slashing the cost of your premium in half, an MSE investigation which scoured millions of quotes reveals...Read the full story: 'Revealed: The best day to buy car insurance to slash costs by…
Ncb - after motor incident
Hi, Need some expert advise on car insurance. In March 2017 I had a minor motor incident which i reported it to the insurance company (I should't have as there was very little damage but I did as it was my first motor incident) It wasn't my faulty (according to me) but looking at the photos the insurance company gave the…
"more than" "confused" young driver insurance
I'm trying to get quotes for my son to get a car, price up the cost before buying, however, I had some quotes in May 2018 for around £1100 now I've put the same details in again the quotes are coming in at around £2400, so I tried a few comparison websites and still getting the same high prices for a guy that's a single…
Travel insurance
I am going to Copenhagen for 6 days next month with my partner and my parents. We have booked flights with SAS and accommodation through airbnb. I want travel insurance in case something happens with the flight and it gets cancelled and we cant make it that will cover us for the cost of the accommodation. Will standard…
Car insurance occupation?
Hi everyone, I took out car insurance at the same time as I 'started' a new job. I'd been having trouble with the company, I signed lots of forms I thought was a contract but apparently was not. They then called me a while later to say they'd made a mistake and actually there was only work available for me if I got a car…
No Motor Legal Protection and Policy Excess outstanding?
I was involved in a minor fender bender with no personal injury beginning April. The other party who was insured with Admiral, accepted blame immediately as we exchanged details. I'm insured with eSure but upon taking out the policy I did not take out Motor Legal Protection, as this was provided as an option at the time…
Getting money back from cancelled insurance
My daughter took out a car insurance policy with Nova on 1st June. She cancelled it on the same day as the sale of the car she was buying fell through but didn't get confirmation in writing of it being cancelled until 4th June. They then said they'd be taking £60 for admin and £25-£30 for the day's insurance. (Far too much…
One Call insurance - outrageous fees
Recently took out a policy with them via moneysupermarket & they want £40 to change some info that I never entered in the first place!! I had a claim this year for theft of my vehicle, I didn’t however tell them it was a fault claim because there is no option to do so on the comparison website - there is only one option…
Confused about car insurance
Hiya, I'm new to the forum but a long-time lurker and I was wondering if I could get some advice. My car insurance renewal is due on 9th August but I'm moving house on 27th August. I've decided to cancel my current policy because the quote they gave me for my new address was WAY too much... but now I'm stuck as to what I…
Home Insurance for when goods are stored at some else's home (during a house move)
Hi all I'll hopefully soon be moving home and there will be a period of time between that and buying a new place. During that time I plan to store my belongings with my parents. The bulk of the stuff will go into the garage, with any expensive and/or vulnerable goods being put into the house. Are there insurance policies…
Car Insurance for food delivery?
Hi there, I've been trying for days to find out exactly what kind of insurance I need for a job as a delivery driver of food from a restaurant. Firstly some people say that I'll need Class A(1) Business Use in most insurance companies' policies. But others say Class C(3) Business Use is the correct one. But I just spoke…
AIG Insurance purposely delays taking liability after car accident
OK so this is my first ever post, which shows the complete desperation! On the 13th July 2018 I've had an accident on A96 dual carriageway were Third Party driver was attempting to cross two dual carriageways via intersection coming from the forest track road. Long story short I was driving 70mph where Third Party driver…
Cycle carrier failed and bike damaged, can I claim?
I had my bikes on a rear mounted cycle carrier and had checked the straps and tightened them before setting off and also after an hour of driving. Everything was secure but at 70mph on the motorway the straps snapped leaving just frayed stubs. The carrier stayed on the car but my new bike flew through the air and bounced…
Home Insurance for Damage to car?
Hi all, Today we were involved in a quite serious incident where a set of Thule Wing Bars somehow was blown/ripped/torn off the car while we were driving. It flew backwards, hit the back of the car and landed on the road. Luckily no other cars were around as this could have been very serious. The damage to my car is quite…
Travel insurance that covers all activities
Hi, Can anyone recommend or narrow down my search for travel insurance that would cover cost of following in event of flight being cancelled: 1. Cost of accommodation 2. Any activities booked during visit (e.g. concert tickets, tours, etc.) Thanks, R.
Over insursed - what to cut?
Help. I am in the process of taking over Mum's house paperwork as she has Alzheimer's and I think she is paying for things twice or even 3 times but its difficult to know what to cut. 1. House insurance, buildings and contents with Home Emergency which says it covers heating failure, blocked drains. She also has full…
Alpha Insurance insolvency
We purchased a GAP insurance policy, £300 for 3 years, with our car in March 2017 and have just received notification that the underwriters, Alpha, are insolvent. We should be able to get a refund/partial refund on the premium but it's covered by the Danish Guarantee Fund which will cost us 1,000DKK. The paperwork is…
Car insurance renewal 300% difference in quotes.
My 18 year old son will have 1 years no claims next month on his 1.25 fiesta. He will not know until he receives his A level results next month if he will carry on being a student or go into full time employment with a job offer he has received. The insurance quotes for a student with many insurance companies including…
Risk of insurers refusing fire claim?
There’s been no fire, so this is a hypothetical. My in laws have a gas cooker. When frying, e.g. an egg, they put newspaper on the stove top to catch the oil splashes. This seems insanely risky to me! If the worst happened and there was a fire, could the insurance company claim they were grossly negligent and not pay out?…
Car insurance - forgotten accident
Hi, I made a claim on my car insurance in January when I was in an accident, and my car had a significant amount of repairs paid for by my insurers. Now my car insurance is up for renewal and the renewal quote is lower than last year stating I still have my 2 years no claims and I haven’t made any claims this year even…

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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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