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Insurance & life assurance

Archives for December 2018

New to life insurance
I'm starting to think my husband and I should really get some life insurance but I have no idea how much. Our incomes are very different, we don't own a home, we are renting and we have one child. My main priorities if the worst happened would be too keep a roof over the heads of the survivors and continue paying school…
Stolen bike claim
Hi I had my bike stolen last week. I bought it new for £700 5 years ago but it’s been hardly ridden and was as good as new. That bike model is no longer available and insurer has tried to offer alternative of similar spec (same brand). He sent me the links which cost £585 plus some accessories costing approx £25. I dont…
Home insurance direct for cashback or via comparison sites ?
I am not sure how this works. I have gone to Moneysupermarket for home and contents insurance and AA have come up cheapest at £95. I look at top cashback and see they give £40 for AA house and contents BUT will I get the same £95 deal if I go direct via Topcashback or will this be exclusive to Moneysupermarket ? The reason…
How to get insurance quote when retired but still doing ad-hoc work?
Is it possible to get an online (hence cheap) car insurance quote for someone who has retired from NHS employement but still works up to 8 days a month on what is called 'the bank' and gets paid for the ad-hoc hours worked? The person would need business cover so I can't put 'retired' as the main occupation and I don't…
Driveway car insurance?
I need to keep a car on a driveway for around a month, prior to collection, what is the best way to insure a vehicle for this?
Courier Insurance - What to chose?
Hi, I've started to deliver for Amazon UK during the day then Uber Eats during the evenings after University. I have just noticed that I do not have the correct insurance policy to continue to do this. I have ran a few searches online and found a decent price I think. With a company called CoverBox, which includes a…
Help me make sense of my policy
Hi MSI community, I started reviewing my policy, as my new workplace doesn't provide income protection, and felt it was a bit expensive. Key Stats Provider:Vitalitylife Cost: ~30quid Cover: 130k LI + 130k CI Purpose: Cover the mortgage Dependents: None Term: 17 years, level 1. As a fit and active (jogger, weight trainer)…
What is correct date of new car insurance
Hi, I'm just in process of buying new car insurance. The existing car insurance start date is 14 Jan 2018 and it expires at 14 Jan 2019. So what is correct date of the new car insurance: 14 or 15 Jan 2019? I don't want to have a gap in car insurance and I can't find an answer in google.
Tower block standpipe blockage rented flat flood
I'd be grateful for some advice. We live in a tower block apartment in Glasgow, 10th floor up with a further 7 floors above us. Most/all of the apartments, including ours, are rented from a housing association. My partner arrived home recently to find waste water pouring over our kitchen sink, flooding all the units and…
Screenscrapers are not always working for you
Homeprotect hiked my renewal premium by 20% this year, so I went to shop around. MoneySupermarket provided very similar quotes (around the £550 mark). So I tried Confused, and for the same cover plus extras it offered £355. (Admiral) Weirdly, the exact same policy by Admiral on MoneySupermarket was £541. Loyalty is a…
Car Insurance - Main Driver Definition?
I got in a weird and unusual conversation yesterday with a family member about who is or should be the main driver. Me and a partner are planning on sharing our car as we can't afford to run two, I have 5 years no claims and she has just passed her test, she doesn't really enjoy driving but rather drives as a nessecity,…
Car accident - not at fault but car being written off
Looking for some advice on what I can do please. Last week I had a car accident that was not my fault - they drove into the back of me and admitted liability. My car is 10 years old and although it was in good condition before the crash was probably only worth around £800. It was £4000 when I bought it 6 years ago and…
Vehicle Gap insurance
Hi i bought a car on pcp finance from audi uk in july 2017 and would like now to buy gap insurance , a couple of gap insurers recommended by mse have said if its more than 90 days into the deal of taking delivery of the car I cant take out gap insurance, is this correct and are there any companiesthat will insure me for…
Life assurance companies willing to act as trustee
Hi. I get life assurance through my employer, which is 4x income. My wife is the nominated beneficiary and it is written into trust, with the comapny (Aviva) acting as trustee. All very nice. I'd like to take out some separate top up cover for the benefit of my elderly mother, who is partly financially dependent on me. I…
Claimant's insurers contacting me directly
Hi there, Twice now I've had letters from the claimant's insurers regarding a car accident which was my fault. The first time I contacted my insurers and was told to scan the letter and send it to them, which I did and they confirmed receipt of it. Now a month or so later, I've received another letter threatening action of…
Over 50s plans
My mum is in poor health so these seem like a decent options. I have a couple of questions 1. The limit seems to be a payment of £50 per month - are we allowed to hold multiple policies across different insurers to pay for a higher amount of cover? 2. My mum doesn't really use banking much - would we be OK to have the…
Court order for CCTV
If a defendant is ordered to disclose CCTV or specify same which are no longer in their control and does not comply, what happens? This is in regards to liability in a RTA.
Reducing prescription drug costs
Hey all, Wasn't sure if there was a thread on this already, but is anyone out there an expert/ or has experience with saving money on prescription (and non-prescription, OTC) meds? Basically I'm on a handful of prescription meds for chronic illness (non-psych) and a couple OTC (vitamin, etc) for general wellness and…
Motorcycle Insurance - The next PPI type scandal?
Hi all, recently I've been looking to insure one of my motorcycles, however; when merrily looking for quotes a number of insurance companies/agencies/brokers are adding on what they call "free" extra's, for example UK and EU breakdown cover, helmet cover, etc. Although saying "free" I have noted this has increased the cost…
Car insurance excess help
Hi My wife works for a care company and was with a colleague today driving in a car park. Unfortunately the lady she was with hit a high kerb and has damaged the side of the car. The car is owned by the parents of 2 disabled girls, not the company she works for. Apparently it’s on a open insurance policy, that covers…

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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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