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Insurance & life assurance

Archives for October 2019

Car Insurance Fiasco! Help!
Hi Everyone, So in the last day I have taken out a new car insurance policy with Hastings Direct as it was a pretty competitive price versus my Admiral policy renewal. Now, to cut a long story short - I put the wrong information on my new policy... I actually missed (totally innocently) a claim which previously was saved…
When to claim pet insurance
Hello. I made my first claim on pet insurance from L&G in September for X-rays and medicine after my cat started limping due to a high fall. It took about six weeks, but they eventually paid out in full. The X-rays revealed that the cat requires two separate operations to fix his kneecaps in place, done separately with 2-3…
Previous home insurance cancellation, and need to renew.
Just a little under 12 months ago, I taken out Contents Insurance with Lloyds Bank. Everything was fine (paying my monthly installments by direct Debit), until July where I'd had a couple of months off work through sickness. Because the Direct Debits wasn't paid, Lloyds cancelled my policy. Now, I'm trying to renew my…
Leak affected shop downstairs from us
Our flat had a leak from a pipe in our bathroom which wet the loft space and ceiling of a commercial property below us. We got a plumber out who fixed the leek leaving some damage in our property and some money to pay - replacing some tiles, cost of plumber I have home insurance/buildings insurance which I could claim -…
Over Insured
Hi All, Apologies if this is a stupid question: Through my work I get 'death in service' cover of 4 times my annual salary and income protection insurance should I have a serious illness (70% of total salary). I also have another private policy which covers death and income protection for both myself and my wife (similar…
Insurance on a empty house.
My mum should be going into a care home within the next two days on speaking to the solicitor I was advised to insure the house as an unoccupied dwelling, I have been calling round but a lot of the big companies don’t do it. I did find one firm Home Protect but came across a question I was not sure how to answer. I am not…
House Insurance for House with Self Contained Basement
My house has a self contained basement. When we first moved in my parents lived in the basement and me, my wife and daughter lived in the rest of the house. We were able to get buildings and contents insurance for the whole house. My parents moved out after two years so we decided to rent out the basement. The Council said…
AIG insurance - double payments
Hi there. I took out a mortgage through L&C in 2017 and remortgaged through them again this year. Through L&C, I also took out a life insurance policy with AIG in 2017. When I remortgaged, I took out a new policy with AIG. Naively, I simply thought this would just replace the existing policy I had with them. It did not.…
House and contents policy loading
Hi, try to be brief. Dad's home was flooded in 2013 December. Due to a small stream that built up due to debris not being cleared from a culvert under the road. Stream is administered by the EV agency and they and the council are supposed to maintain it, in fact it is there padlock that is on the only access gates.…
Car Insurance Policy for less than 1 year?
I am currently looking to renew my car insurance policy, however I will be moving to the States next year so only need a further 3-4 months cover for my vehicle. When looking at paying monthly for my policy it seems that I will be hit with a £50-60 cancellation fee when I inform the provider that I no longer need the…
Which type of buildings insurance do I need?
My mother passed away recently. She lived in a house she owned outright in her own name. Her partner/boyfriend lived with her but (according to my solicitor) has no claim on the property. He's staying in the property for now until we get the funeral and other affairs dealt with. In the meantime, her house insurance is up…
Insurance claims FOB-off remedies
In the event of a claim on one's buildings / contents policy it is common practice for the insurance company to send round an "assessor" - to assess the validity of the claim and the extent of the damage. It is no secret that the assessor's task, as a representative of the co, is to "negotiate" to minimize the liability of…
Decreasing Term Life Insurance cover amount less than mortgage?
My first home I bought on a shared equity scheme and took out decreasing term life insurance to cover my mortgage and level term insurance to cover the 40% shared equity. I've since moved house, and took out a much higher mortgage (twice as much as my original mortgage when I started it) and no longer on shared equity…
Since when does a direct debit become a loan agreement?
Last week I took out an empty home insurance policy. As usual I chose to pay by monthly direct debit. I received an email today from Close Brothers setting out the terms for a finance agreement for the loan of the money for the direct debit?! What is this all about, I have never encountered this before?
Unsure about possible insurance claim
Hi all, apologies if this is in the wrong place - it's my very first post. Very late last night the power ring for the downstairs plugs tripped out whilst my partner was shutting down his PC. We we were able to restore power and have reported it to the landlord first thing this morning and we aren't going to us the plug…
House Flooded 2nd Time - Request £ Towards New Build -Kit Home on stilts?
Hi Guys, I have a family member who's house has flooded for the second time, it has flooded over 1ft and wrote the bottom half of the house - the house itself was valued in excess of £1+ million and damage last time was in excess of 200k, this time it's worse. It's in the countryside with lots of land and nobody around at…
Advice needed - insurance claim / legal worries
Hi, Having a nightmare here and am worried. A year ago a commercial vehicle damaged our parked family car. I had my own insurer deal with the claim, provide a hire car, and pursue the other party for the costs (which I now regret). Car was a write-off and eventually we got a cheque for replacement (which never seems enough…
Home Contents Insurances
I am thinking of changing my home contents insurance and been searching for one that charges the least excess on a claim. Any help would be appreciated.:cool:
Travel insurance: take care
Some long-running threads have recently been deleted. The issue that they explore is raised in this link from BBC news. For fear of legal complications, I will not make any comment: https://www.bbc.co.uk/news/business-46274918
seasonaires insurance for a working in france
Hi. Just looking at ski insurance for daughter who is going to be working in french alps this season and may be in Austria as well. I have used MBi insurance brokers before for our holidays but are there any other that people have had good experience's with for the above situation. Cheers

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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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Insurance & life assurance

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