Insurance & life assurance

Archives for March 2019

Insurance reneging on previous agreement
My flat was flooded by the flat above and the damage was quite bad. The buildings insurance agreed to pay for the repairs and the loss of rent which was caused by my tenant having to move into a hotel. I'd agreed with the tenant that I would deduct his temporary accommodation costs from any rent due. I agreed with the…
Unable to cancel policy - impact on credit
I have a pet insurance policy with Sainsbury’s bank. This was taken out in 2007 and I have been paying premiums mindlessly ever since. I have never claimed. I am currently reviewing finances, and having realised that the premiums have been steadily increasing I decided this is not something I wish to pay for any longer. So…
Income Protection entitlement
Can I please get some advice as I am not sure if I am being mistreated by my employer and their income protection provider. I have income protection as a benefit through my employer. I have never had to use it before but have been signed off from work by my GP with "work related stress" this is due to severe anxiety and…
Doesnt want to use insurance after crash
Hi guys n gals, my wife has just been in a bump where the following driver ran in to the back of her. He immediately said he didnt want to go through insurance and would pay cash. We said it was an option, swopped details and then drove home. However, I've checked his reg number and he is insured but his MOT ran out in…
Churchill car insurance; only £1.00 taken so far
Hi all. My insurance is due to re-start on 3.4.19. I paid Churchill close to £300 for the policy. Now I know the £1.00 is taken as some sort of 'check" to see if the card used is legit, but my mobile banking app. says it can take a couple of days for the full payment to show. In a few hours time it'll be 3 days since I…
How much serious illness cover to take out?
Hello. I'm looking to buy my first home and have been advised to take out serious illness cover and life cover. I'm trying to do a little research to find out whether or not this is worth taking out and if so how much, or if income protection would be better. First off I don't see why I need life cover as I am buying alone…
Direct Line 18% increase
Hi all Over the past two years Direct Line has reduced my premium, so that last year it was just £206.08. This year they want £243.04. Okay, it's still not a huge sum, but it is a large percentage increase. I called DL and was told that I was at "base level" so nothing could be done. I asked for reasons for the increase,…
appliance insurance
I have my white goods insured with Legal and General. Costs me around 30 quid per month which covers tumble drier, dishwasher, washing machine and fridge freezer. This is for repairs and if they cannot repair I get a new one. Trying to tighten my belt at the moment but not sure whether to keep these on or not. It's nice to…
Moving from Direct Line Car Insurance but they don't show over 9 years no claims discount
I have been with Direct Line since at least 2015 and this year the premium this year has really rocketed so I decided to move. Many other insurers and comparison sites give the option to enter up to 20 years no claims discount but Direct Line have said they stop recording it after 9 years. They have confirmed I had 9 years…
Insurance for high cost laptop
I've recently purchased a macbook pro laptop for £4,000 and am having difficulty getting insurance for it as all the gadget/laptop insurance companies only seem to insure up to £2,000 max. I live with my parents and they have their own home and contents insurance. For various reasons I'd rather not add my macbook onto…
Missing Voucher for Age Car Insurance
Hi, Has anyone actually managed to get one of the Vouchers 'blagged by MSE' for Age car insurance? I took out Insurance with them over 4 months ago and have never heard anything. I contacted them and they said it was nothing to do with them (even though their web site showed the voucher details when I clicked through MSE -…
Car Accident - Not at fault - confusion with at fault drivers insurance and mine
Hi All, Really hoping someone could help out with some advice. I was involved in a car accident today which was not my fault. Nobody was injured and the other driver accepted it was 100% her fault. I rang my insurer who took some details and redirected me to credit hire company Auxillis who arranged a hire car and for a…
Mobile phone insurance
Can someone recommend an insurance for mobile phone for my daughter. She already has had an iPhone XS Max stolen, which I fortunately manage to claim on my contents insurance, but now she’ll be living in London for uni and I’d like her to still have cover, especially in London where crime is at a astronomical level
Legal Expenses Insurance
Hi, Wondering if anyone on forum has legal expenses insurance but not underwritten by DAS legal services. Looking to change as they have been useless.
Help - contents insurance item limit and excess
This past weekend our garage was broken into and 2 bikes stolen plus a DeWalt drill :mad: :( Unfortunately when we recently changed to Sainsburys home insurance we didn't note the relatively low bike limit :( (Please don't focus on this mistake in replies, we know we messed up and will learn from it.) So I'm trying to work…
I am considering Debenhams Car Insurance
I just used confused.com for a quote on car insurance. Debenhams came up over £100 cheaper than any other. However, due to the recent problems Debenhams is having with profit losses and store closures, and is close to insolvency, how good or bad of an idea is it to take out 12 months of car insurance with them? I know high…
Car Insurance - More expensive with private plate?
Morning, Car insurance up for renewal in 3 weeks so i'm hunting around for quotes. I've got a private plate on my car and AXA insurance coming up more expensive than others at £399 a year. I saw my original plate on my saved quotes and thought i'd run it just to see what happened. Updated all my details and AXA then comes…
Why does it cost twice as much to insure a Corsa compared with a Fiesta?
Hello all, I had an old Fiesta, insurance cost £210. I switched to an old Corsa, insurance (premium for the whole year) went up to £411. I paid up since I had only had part of the year left to run. However, I'm about to move house so I got some quotes to make sure my current insurer doesn't rip me off on the house move,…
Flight cancellation claim when airline refuses to give reason
We've been knocked back by our travel insurance for a flight cancellation some months ago. They have asked us to provide a reason for the cancellation but unfortunately our airline refuse to give us a reason (citing airline policy). I'm presuming it's not unusual for airline to avoid giving an exact reason for…
Travel insurance for business trip
Hi, I'm going abroad for a quick business trip, and wondered whether the usual travel insurance covers such trips or not. I guess the answer will be in the small print, but my partner is booking it for me today whilst I'm working. Ideally I'd like to book the normal joint policy we usually have for holidays, but I just…

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