We'd like to remind Forumites to please avoid political debate on the Forum... Read More » This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Insurance & life assurance

Archives for June 2020

Admiral renewal still not offered, 19 days to renew
I am aware that the soft spot for insurances is about 21 days prior to your renewal. My first year was about £980 with Admiral, and I've been getting quotes for my next insurance, and the best price is now about £720 by QuoteMeHappy, which is a decent drop considering it's an Audi A3. Admiral isn't shown on any comparison…
Standard House with Listed Outbuilding Insurance
I'm looking for advice. I own a standard 1930s three bedroom end of terrace house. The property is quite unique in so much as the bottom part of the garden is on top of an old grade 2 listed lime kiln that is used for storage. Since we have lived here, we have used the same local insurance broker. I've tried working with…
Should I still have to pay private dental insurance whilst my dentist is closed?
Just a thought but should I, in fact anyone, still be paying our/my monthly dental insurance payment whilst we're unable to actually go to the dentist during lockdown?
Excess payment
I had a drunk driver crash into my house a month ago which has caused damage to the side of my property replacing render etc. A Crime reference number and her insurance details given to my insurer, but they are stating now that I need to pay the £250 excess and I am not Guaranteed to get this money back. Is this correct if…
Effect on home insurance policy of business activity.
I’ve recently changed my home insurer after finding a cheaper deal on a comparison site. I set up the insurance, received the documents and all seemed well. Then it occurred to me that I may have answered the “is any part of your home used for business” question incorrectly, because my wife teaches Reiki occasionally. And…
Do I NEED to cancel my home insurance on the property I'm selling or can I let it expire?
Hi all, I'm selling my house and moving in next week, I have around 1 month left on my home insurance but want to let it expire and buy a new policy elsewhere because: - they want to charge me £25 to change address - my premium will increase significantly under the current insurer due to the increased value of my new house…
Claim for MacBook
Hi all. My son has just finished a film production course at uni on a 2017 MacBook Pro. Due to lockdown he’s had to upload huge amounts of software to complete the course and it’s been in use constantly. He now has a screen problem called image persistence where several tabs open at once and it’s difficult to see. He’s…
Comparison sites
Hi all, here's a situation that I've encountered twice recently. In both cases (Home and car insurance) I've made full use of all comparison sites and fiddled with stuff like excesses, type of cover including a few "what if" scenarios to see how they affected my premiums. I finally found good quotes for both car and home…
Q class barn conversion insurance
We are thinking of buying a Q class barn conversion. We think we may need specialist insurance in case there would be difficulties with rebuild-permission in the event of a catastrophic event (total fire etc). Q class is relatively new. Does anyone have recommendations for insurers who can help?
Home insurance
Hi all I'm in the middle of buying a house. The surveyor has come back to say the kitchen extension had no planning permission and doesn't meet the building regulations (lack of insulation). However, the extension was done a fair while ago (perhaps 15 years?) so my main issue is insurance. Will the lack of regulation…
Subsidence repairs: workmanship guarantee versus Lasting and Effective
Has anyone come across this particular issue. I am getting to the end stage of a very unpleasant insurance process for Subsidence due to trees. The trees have now all been removed. The Loss Adjustor company is taking charge of all the repairs. I am taking no cash settlement. The repairs team are installing helibars to…
Cancelling a car insurance
As always i check round to get the best price for my car insurance. Although my renewal was not bad from last year i still wanted to see what was out there. I did manage to get one from the RAC which was quite a bit cheaper so i booked it with them and then cancelled my old one. When i phone my old company they gave me…
Car insurance by mile?
Hi Has anyone got car insurance by mile? It works out an estimated £200 cheaper than my current one, just wondered if anyone has experience with this? thanks
Car Insurance Claim Dispute
In March I had a no fault accident and claimed through the other parties insurance. My car was on a personal contract hire agreement. The insurer went for a total loss payout, made up of a settlement figure from themselves and a salvage value to be paid by a separate salvage company, after some discussion I agreed to…
Home insurance queries... need some help?
Hi, My property was flooded and a lot of our items have been written off due to being beyond economical repair so they have provided an amount based on a quote I gave them which was just the amount originally payed due to still being available on websites or have sent them the closest model available that could be found…
Hastings Direct - unable to cancel auto-renewal
Morning all, I have just taken new car insurance with By Miles (thanks MSE for the £55 worth of free miles!). Hastings Direct auto-quoted me £686 (this year gone cost me £580), By Miles price is £236.11 upfront with 3.4p/mile (est 6400 miles) = £398.71 so some saving! My insurance is due for renewal on 17th July so I tried…
Content insurance for carpet - council property
*i have reposted this to this board as I may have posted it on the wrong one Hi guys, I am not sure if this is the right place to put this but please redirect if necessary. So I am currently renting a council flat and will be looking to buy it later down the line. I am due to get newly fitted carpet next week, however I…
Car Insurance Renewal Timing.
Having read on here, that the optimum price- point for obtaining car insurance, is three weeks prior to policy commencement, is there any good reason, on the comparison site, if I only have a week or so to go, why I should not artifically advance the start date by 3 weeks to obtain a better price. Having achieved that…
PCH and GAP insurance
Hi Looking for some advice, I am about to lease a car on PCH for two years. Vehicle invoice value is £22k, I am fully comprehensive with Direct Line, do I need GAP insurance please? Thanks in advance!
60% Inc in Aviva Travel Ins blamed on a change I made to policy before I renewed it last time.
I have a worldwide travel insurance with Aviva which I have held for over 5 years. It goes up every year but not by much. This year it went up 60% and the reason given is" Please note that you made a change during your policy term which affected last year’s price. Although this change happened part way through the year,…

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

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.

View All

Insurance & life assurance

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free

Insurance & life assurance

Discussion List

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free