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Insurance & life assurance

Archives for June 2020

Laura Ashley Furniture Insurance
Within the last year we bought some furniture from Laura Ashley and were persuaded to also buy their furniture insurance. Now that they have gone into administration our assumption is that they are no longer honouring that insurance. If we have a problem x years down the line, who do we call and what are our rights please?…
Income protection - mortgage
Hi Looking for some advice, will shortly be buying our first house(shared ownership) Do we need life cover and also income protection? Our mortgage advisor had told us we should get it but didn't know if that was down to commission etc. The rent on the property is twice the price of mortgage, would rent be covered too or…
Claiming on a Critical Illness and Life Policy
My husband and myself had a joint critical illness and life insurance policy. Unfortunately my husband passed away 6 weeks ago and had to have a postmortem. The cause of death has been listed as Sudden Cardiac Death, and underneath that Ischaemic Heart disease. He never knew he had this, and the fact the cause of death…
Car insurance temporary cover
Im looking to drive into france and take a friend along with me, i am hoping he will do some of the driving. I am trying to get temporary cover and in my eyes for two weeks its expensive. Tried to add him to my current policy which expires in 2 months time and its the same price increase as the temporary cover (im with a…
Undisclosed Penalty Points (what to do?)
Hi I got my car insurance renewed a couple of months ago and i didnt disclose penalty points I know this is wrong, i havent been in a crash, car stolen etc, I would just like to come clean, i have 6 points What are my best options? 1.Cancel policy, take hit financially and get insurance with another company 2. Phone up and…
Repair costs to adjacent property
Hi all, I'm looking for a bit of advice regarding a home insurance claim. Basics of it are that there is a shared wall between my house and an industrial unit. Someone in the industrial unit reversed into the wall and damaged it quite severely, to the extent that it badly damaged my garage. This has been assessed by loss…
Extra cost for named drivers no fault claims ???
Hello all, I am writing this, not as a complaint but I would like some clarification on a matter that I feel is very unfair. And see if it has happened to anyone else . I will try my best to explain the circumstances so that you can see my point. I have recently changed car insurance provider. I have been with Admiral for…
Husband had serious illness cover and developed diabetes in 2017. can we still claim?
So i decided that i would go through our files and have found out that we could have claimed 30k for my husbands diabetes. We didnt realise it was serious illness we thought it was critical illness cover, This was over 2 years ago so am assuming we cant but 30k is not to be sniffed at and would be life changing for us. Has…
Public liability non transferable so older driver is classed as having 0 no claims
Hi, my father is a taxi driver of over 40 years. He is 80 and wants to retire. He has phoned around and has been told as he has no no claims he will be around £700 for a passat 2018 1.4. Would driving a smaller car reduce this significantly? Any companies to try(tried Saga) or any suggestions? Thanks
Car insurance, very expensive removal of named second driver
I'm shocked to find out today that to REMOVE a second driver from a person's car insurance increased the price by approx 46%, from £631.00 to over £1000. This is an elderly but very competent person's insurance. We put this second driver onto this policy 20 years ago at a cost of approx £35.00. Upon this year's renewal,…
Mazda 3, doors autolocked
on the hottest day of the year my son had taken his 2 year old daughter for a walk, returned put her in the car along with the small rucksack he was carrying which contained keys, drinks etc. He closed the door went to open the drivers door and the car had locked itself. In a panic he had to end up smashing the windscreen…
Is it better to extend car insurance policy or cancel and purchase a new one?
I'm having a new car being delivered soon and naturally I'm looking at insurance quotes. I've been driving for under 3 years, I'm 22 years old and have 1 year no claims. I can change cars on my current policy for around £350 which will cover me until mid November, in total for the year it will be £1400 ish. A new policy…
Getting a refund/rebate from LV because my grandfather hasn't used his car
My grandfather has been self-isolating because of the lockdown which means he hasn't used his car for several weeks. He is in his 90s so he has been told to isolate. During this time he hasn't used his car and I was wondering if LV are giving discounts for this? Direct Line gave me a discount. LV said on Twitter that they…
Multi-car insurance with Aviva
We went with a multi-car insurance policy with Aviva because getting them both separate both with Aviva ended up being more.Anyway. Now the 2nd car has been sold on, I can't appear to find an option online to be able to remove the 2nd vechile only "replace it". The only option is to, reluctantly, call their national priced…
Medical insurer WPA to pay out SECOND rebate to customers - MSE News
Customers of not-for-profit medical insurer WPA will be paid a second rebate worth around 40% of their monthly premiums, after receiving a similar payment back in April... Read the full story: 'Medical insurer WPA to pay out SECOND rebate to customers' Click reply below to discuss. If you haven’t already, join the forum to…
Forced to pay premiums during a claim period
Hi I have a redundancy insurance policy which I am now claiming on. I paid the premiums monthly. The insurance company is insisting that I continue to pay the premiums during the claim period or they will not pay out on the claim. Is this acceptable? Obviously I am making the premiums payments at the moment but it feels…
ARO Insurance. Any comments.
Hi. I've been shopping around for landlord insurance and got a good price from ARO. Their excesses are very low as well. I've never heard of them so does anyone have any experience or knowledge of them? Many thanks.
Accidental Damage - "like for like" to cover cost of replacement
Hi I am trying to claim for replacement of my TV under my home insurance policy for which I had Accidental Cover at the time . The nature of the damage caused is not being disputed as being covered by the insurance company ( toddler and a metal spoon) . They are saying that because I did not specify the TV as being over…
Home insurance for unoccupied House.
My househouse is currently unoccupied. I go therethere 3 times a week to check on it and collect mail. It is furnished and has my belongings in it. What would be the impact on my insurance in these circumstances? Cost etc, does regular visits still mean unoccupied etc...?
Comprehensive PMI - does it cover jaw surgery?
Hi all, I have quite a comprehensive PMI plan through my employer with unlimited claim amounts and quite a wide range of cover. It also covers pre-existing conditions. I saw my orthodontist today as my jaw has been causing me bother and I get constant migraines because of it, and he has told me to see a jaw surgeon as my…

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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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