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Insurance & life assurance

Archives for August 2019

Renewal
Hello Insurance company is due to take payment tomorrw. Their customer services is currently closed as its late. I gave my credit card details to them a year ago and I rang my bank to ask if they can prevent a further payment tomorrow. Apparently they can't. Find it hard to swallow I can't control who is able to dip their…
No claims discount during active road accident claim
Hi all, I have an ongoing claim for a traffic accident where I was knocked off my motorcycle by someone in the wrong lane at a roundabout, they haven't admitted liability yet but have paid for my vehicle without prejudice to get me out of a hire contract. I got another motorcycle as I only have a full UK motorcycle licence…
Every time I apply for car insurance I lie on the proposal
Every time I fill in an online car insurance proposal there's one question I always answer with a lie. The question asks if the car has been altered or modified from the original factory specification. The true answer is that since I'm neither a mechanic or a clairvoyant, I don't know. Trouble is that's not an option, I'm…
Ncb
Last year my catalic converter was stolen, I called my insurance company ( go skippy ) they said they would probably write off my car never wanted that so never took it any further and got the car repaired myself, fast forward to today go skippy sent my renewal through I was meant to be on 14 years ncb I'm now on 7 I…
Tree root intrusion and insurance cover
Hi 9 years ago my parents had tree root intrusion into their drains which was all dealt with by the insurance company and related to a tree on a neighbouring property which was removed and destroyed. This year my parents are trying to get insurance and most of the insurance companies dont want to know (I'm guessing this is…
What has happened to Co-op Insurance?
I have had Co-op home insurance for a couple of years and they've been great. Very affordable, with a good policy. Never had to claim, thankfully. And then... My renewal quote came in with a 33% increase from £247.77 to £329.55. I went on their website to see what a new customer is charged for exactly the same policy:…
10 year building warranty
My daughter purchased a new flat with a 10 year building insurance provided by the builder, 1 year later the insurance firm has gone bust and a replacement provider has not been found by the FSCS. Therefore the policy amount the builder paid has been refunded to her. Has anyone come across this before and how did you find…
Flat not safe can anyone help
As mentioned in my new floor fitting thread Today I have been left without use of Kitchen as considerable amount of insects have been found by floor fitter intending ton fit new flooring. This pet type control isn't covered under home Emergancy I am disable with M.S. -is there any one else I could contact as my flat wont…
NCB TO Company car
Hi all I have just ordered my first ever company car through my own company. While I have seen lots of info about using NCB earned while driving a company car for a personal car, I have seen none about doing so the other way around: Using your own NCB earned on a personal car to reduce the premium on your company car. I…
Can I insist how my house is repaired?
Posters who follow this forum will be aware that I am currently having my house and contents restored, under insurance, after a disastrous fire next door led to my house suffering severe water damage. There was an initial hiccup when my buildings insurer misclassified the damage but that was sorted and it has now accepted…
Travel Insurance - pre-existing condition
Hi, some help please. There are so many sites/Coys. Going to Greece 5 days end Sept. Flying/hotel. Age 67. 4-5 yrs ago had incident of Paroxysmal atrial fibrillation (heart going fast). No recurrence since. Am on medication Bisophorol, Atrovastatin,Perindopril,Aprixaban. Also have a Vascular referral (outstanding…
House insurance + cover kids at Uni
Ref: Home insurance covering Kids at Uni. This September my home insurance renewal coincides with having 2 children away at Uni (private rented shared house accommodation not halls) so I am thinking it might be a good time to see if I can find one policy that covers everything. I have been trying to work out which…
Car Insurance Employment Status
I am looking at getting car insurance - I currently have a part time job. Can this job be used to class me as ‘employed’ on my insurance policy?
Car Insurance Employment Status
I am currently unemployed and seeking work. However, I am not currently collecting Jobseekers Allowance. Does this mean I am technically classed as a ‘house person’ for car insurance? Whenever I do get interviews, I am given a lift.
ALWAYS look around, NEVER just accept renewal price
This week I received an email from my House Building and Contents Insurer... Legal & General . Nothing has changed in my house -- i.e. it hasn't moved to a flood plane , or quicksand area , Nothing has changed in my area--i.e. a Crime wave hasn't descended on my area , and we have not become an area where Fracking is…
Help required. Fathers life insurance paid out but i was a named recipient
Hi. I received a letter middle of June from accurate data services and sunlife stating my father had a life insurance policy and they were trying to trace me as I was a named recipient along with my two brothers. Back story is I have been estranged from my family and have had no contact with them since around 2000. I was…
Any good insurance apps you'd recommend in terms of how easy they are to use?
I'm really interested in apps that are just really user friendly and I'm looking for examples of any insurance or finance apps that other people have found useful in this respect. Obviously Monzo are doing great things with banking and I've been really impressed with Lemonade and Cuvva travel insurance too. As I'm really…
need advice on insurance issue
Hi All, Basically I had a car written off and my insurance company sent me a cheque, but the cheque was name incorrectly so I asked for a new corrected cheque. During this period my insurance company cancelled my insurance in error as they said I had 14 days to insure a new car, but they started the 14 days from when the…
Hoiuse insurance increase with NFU
Hi all, first time post on this area of the forum. Every year the usual "battle" with house insurance annual renewal. Many years ago had our insurance with Barclays as they provided the mortgage so seemed logical, (pre internet). Many years later suddenly realised they had been putting the price up every year and I was…
Car insurance - URGENT REQUEST liable for land agent fees?
I have had a car accident, involving no other motorists, which resulted in damaging the fence of a local field. My insurance company is happy for me to not claim against my policy as long as the owner of the field confirms they are satisfied they have been compensated for the damage. ( I don't wish to claim on my insurance…

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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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