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Churchill Home Insurance Premium
Morning all, Churchill increased my Home Insurance quote this year based on the spurious sentence 'As you made a change to your policy in the last 12 months...' - there have been no changes for several years. However, I have had two successful PPI claims, one against Egg, one against HBOS this past year. Inexplicably, the…
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Insurance company want money for claim
Hello, I'm not entirely sure if I've posted this in the correct area but I was hoping someone could offer some advice. On the 8th of June my sisters flat, infact the whole street had no water due to a burst water main. Her daughter (who is 6) went into the bathroom and turned on the taps in the sink but, of course no water…
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Puppy RTA should we go insurance route?
Hi, our 18 week old lab pup escaped from garden last week and had a lucky escape with a land rover discovery. Absolutely no scratches, bumps or bruises on 14kg pup, think it just scuffed her R rear leg, she was up on her feet instantly and scarpered off. We’re very grateful that the driver was able to break in good time…
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car insurance credit check
Hello my car insurance is due next month im planning to pay it yearly. if do that will they carry out a credit check on me? id expected it for monthly payments but unsure about yearly.
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No claims discount
Hi, In 2018 I moved from Admiral insurance taking a 18 year NCD with me. I purchased insurance through RIAS where the maxmium you can specify is 9 years. I am now looking at quotes for this year, can I specify my NCD at 19 years and show the 1 year old Admiral NCD document. Or can I now only use 10 years - which the RIAS…
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Disclosing no faults
If you have an engineer to check your house because of possible subsidence, but its found to be OK, do you have to disclose it to your house insurance?
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Elderly Relatively Paying for cover Twice - can you get refund?
Good day to you all, I was recently asked to look into existing Drainage and Plumbing insurance cover for an elderly relative. I discovered that for at least 4 years (possibly as much as 9 years) they have been paying for 2 lots of cover for exactly the same thing. British Gas Home Care & United Utilities Home Serve. When…
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Life insurance
Hi. In the process of purchasing a new house and getting a new 25 year term mortgage. Family of 4 with 2 young kids. In our early/mid 40s. We are considering getting a single Decreasing life policy and individual IP policies. The other option is the Level term policy with individual IP which is more expensive. Our work…
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mis-sold endowment policy
Hello Back in 1999 I took out an endowment mortgage with the Chelsea building society through an independent financial advisor Chadney Bulgin. They advised the offer of the mortgage was dependent on a life policy. We accepted to take out the policy, however, the BS then hit me with a critical life policy. My monthly…
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HSBC Breakdown Protection Plan
I have recently been notified that HSBC is cancelling the Breakdown Protection Plan that was provided by Royal and Sun Alliance - does anyone know of an alternative? It provided: Home Emergency Cover Breakdown and Recovery Service Legal Expenses Insurance Whilst I appreciate that individual policies cover these aspects it…
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Car Ins Claim With Wrong Reg
Can anyone advise please... My wife reversed into a parked car yesterday, she exchanged insurance details, all was amicable. When we went to log a claim on the car insurance website, we noticed we hadn't updated the car reg from the original one we got with the car last November, to the private plate we put on it a few…
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Car insurance Cash in Lieu settlement being rejected
Hello MSE I am with Quote Me Happy. My wife recently damaged our car. The light on my dashboard for steering light came on, but I did inform the insurer and garage that I had trouble with the light back in November but it went out on its own, so it may be due to this accident or pre existing. Reported the claim and had…
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Home Insurance
Recently I caused accidental damage to our living room and hall carpets when I knocked over a tin of paint while painting a door. Carpet in both rooms will need replacing. Thing is my other half has decided she’d prefer wooden flooring now instead of the carpet (which will be more expensive). I have home insurance with…
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Income protection insurance
Hi everyone, I’ve tried searching but can’t find many results, to the more knowledgeable people on here is the above worth having? Any feedback would be great Luke
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home insurance cancelled by insurer
Hi I had my Home insurance cancelled by the insurer when my renewals came up and I noticed that the subsidence to my conservatory was not showing in the list of things that need to be declared. The renewal was this year in Feb 2019 but the insurance year which did not have the information about the subsidence was 2018-19.…
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Fronting
I was rear ended by the 3rd party with a undrivable car. After telling my insurance, I called the 3rd party insurance company directly (direct line), and started a claim. After a couple of days the claim was accepted, and they sent a hire care, and advised a garage would call. After 4/5 days, Direct Line are now saying the…
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Auntie doesn't want WOL payout to go to Son-in-law!
Hi all, My Auntie and Uncle set up a whole of life insurance on a second death basis a little while back, my Uncle has since passed away. It was set up so that my Cousin (their Daughter) could pay the potential IHT liability on their estate but my Cousin has broken up with her Husband and they are planning to get divorced…
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Tenants Liability Insurance?? - Please help!
Hello, I've just finished referencing via Rent4Sure for a new property and I have been approached by a company called RGA to see if I wanted to purchase tenants liability insurance. I have privately rented on a few occasions and I've never even heard of this insurance. Their website states we would be covered for the…
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Gadget insurance whilst on insurance?
Hello I’ve searched this and can’t find any help? I have home insurance through my housing association. I have contacted them to see if they will cover me and my gadgets whilst in Greece - 27th September 2019. They don’t have that as an option. :( . Does anyone know of travel insurance will cover m6 iPhone X and iPad Pro ?…
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Car insurance company claiming we owe them
Hello, looking for advise please. When we changed address my daughters car insurance company wanted to drastically increase the premium. We decided to cancel and go elsewhere as it was cheaper. The insurance company were fine with this and even said she was due a small refund, we even have an email confirming this. Now 8…
