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Does anyone know how permanent health insurance works?
I pay £27 a month fixed for £3000 monthly benefit should I become too ill to work. This is with Legal and General and the policy is in force until age 65. The premium is fixed. I just wondered, what actually happens if I change jobs or have a sudden change in income that maybe lower? Do I need to tell them about changes…
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Serious issues with solicitor
My father has gone to a legal company to get a contract raised that puts his property in a trust that means in the event of his death his house comes to myself and his partners daughter. He has paid out more than £7k for a contract that was raised with numerous errors, they still address them in the incorrect names whether…
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Insurer dispute out of my control left me with CCJ
Hi all, Hope you can help with this - wondering if I'm doing the right things, if any more should be done and whether I should seek further recourse. At the start of 2019 I was involved in a minor car collision. Fault was admitted on my side, insurer informed and no issues on either side at all. Months later I received a…
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Level Term Life Insurance
Hi all, This is my first post on MSE. I am also not very literate in the life insurance world. I have taken out a level term life insurance around 2 years ago. It was taken for circa 30 years. Back then I have declared all the health information to the best of my knowledge (no health issues, slightly overweight on the BMI…
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Life insurance - diabetic & depression
We need to sort out some life insurance, however my OH has diabetes and depression so finding it hard to find someone to cover us. I've found 2 quotes on money supermarket for £25 per month, most of the other comparison websites don't seem to ask enough in depth questions so we end up getting rejected at the end. Does…
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House is half in trust
Im a widower and my wife left her half of the house in trust for the kids (which we both agreed) though land registry deeds not yet changed. The house insurance is up for renewal and rather than auto renew ive been doing comparisons, and of course the question of joint policyholders came up. If anything happened to me then…
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Cheque from L&G
I have received a cheque from L&G for just over £70. What's the problem I can hear you scream, bank it and move on. Now I am not usually one to complain about people sending me money, but the covering letter said nothing to explain why they had sent me the money, other than, there was a system error. I rang up and asked…
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Dog Chewed AirPods - Is An Insurance Claim Worthwhile?
Our new puppy has chewed one of my AirPods. Has anyone had success in claiming insurance for something like this? We have Dog Insurance and household insurance. Our experience of claiming dog insurance for things like operations hasn't been too positive in the past. Would this likely lead to the insurance company just…
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What car insurance companies allow a break of 2 years 10 months
Hi all, sorry if this has been covered before. Basically I built up 10 years no claims protected discount. Back in February 2017 I sold the car as I didn't need it and still had the wife's car as the family car. Although I have had access to many other vehicles I did not have my own policy. We are now buying a second car…
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Credit Car Hire - Non fault
Hi, I recently had a non fault accident and the third party has already accepted fault. My car is now in for repair as of a couple of days ago and my rental car was dropped off on the same date. I’ve been pretty naive and was a ‘yes man’ to whatever my insurance said to do (trusting they’re being legit and doing the right…
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Bike Theft - Inaccessible Entry
Hi Not sure which board to post it on, as I couldn’t find something similar. Yesterday I realised mine and my boyfriends bike was stolen (likely to be have stolen on Monday evening as my flat mate had noticed that’s when it had gone but had thought we had taken it) from an inaccessible cycle store in our underground…
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Young car insurance help
I'm quite new to the driving scene, I have taken driving lessons and got plenty of experience behind the wheel due to my motability car, I have recently had that removed as my pip ran out. I'm 18 and just bought myself a new car which cost me my motorcycle, my step dad drives and is happy to drive me wherever I need to go…
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Critical Illness compulsory with Mortgage?
I have applied for a mortgage through a broker and wondered whether it is compulsory to take out a critical illness insurance policy along with a mortgage? I experienced an MI in 2003 due to an undiagnosed at the time, blood disorder however all has been fine since. I take daily medication and I have had no major issues…
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Can you have two car insurance policies at the same time for one car?
Hi I want to take out Home Insurance with LV, but they have the seemingly bizarre stipulation whereby they don't offer insurance if you have oil central heating... Unless you have car insurance with them! Very odd! Anyhow, our car insurance with Admiral doesn't run out until the end of Feb, and I think it would work out…
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Critical Illness Insurance
I’d be really grateful for some advice. I’ve had a modest critical illness policy since starting a family 30 years ago. A recent claim was refused by my Insurer. I will pass the condition related test (Parkinson’s) but would only fail two out of the three required Activities of Daily Living (ADLs). Hence their decision to…
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Problems with admiral
Hi, Can anyone help me out. 17/03/19 I had a car accident. My car was written off by a car leaving a junction, I was on the main road. Both the junction and the main road I was travelling on, was traffic light controlled. The driver and I both said the other person had run a red light and without independent witnesses it…
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Van Theft Insurance Claim
Our Peugeot Boxer was stolen from our driveway last week overnight. They smashed the small window next to our front door and were able to reach in to unlock it and gain access to our house whilst we slept upstairs. Judging by the state of the place, and the fact nothing else was missing, we think they were after my…
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Legal Insurance for Employment Tribunal
Good morning all - I'm not sure if this should be in this forum or the Employment one. Anyway, can anybody advise on whether an insurer would pay Tribunal legal fees if an employee added legal cover to their home insurance just after being dismissed? An appeal meeting has been requested and could possibly end up in…
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Home Insurance claim - better to use own builders or insurance builders?
Hi, Can't find much information on this topic here on this forum or in the internet at large. I had a leak in my house which caused considerable water damage - underflooring will have to be replaced, a bathroom re-tiled, several walls and ceillings will have to be replastered and re-decorated, and carpets replaced. The…
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Bit of an odd one.
I've been riding motorcycles now for over 15 years and also had a few 3 wheelers, but I recently passed my car test and I've been wondering about how long I put down I've had a 'full uk license' for. Having spoken to a few insurance companies about it, some say that they will take the 15 years, others say that they wont.…
