-
Home Insurance
In these days of working from home, does house ins cover your work equipment, PC monitors etc
-
Landlord Insurance
Is there an article on this somewhere? It seems very complicated. Which elements are a must, which are worthwhile but not required and which are most likely not required at all? This would help when compiling a quote. Thanks.
-
Exchange to completion home insurance
We exchanged contracts yesterday but have agreed to delay completion until November - it was that or the seller was pulling out completely. (We were at the end of the buying process and ready to exchange contracts last week and have already parted with a lot of money). However, I did not realise that getting buildings…
-
Life insurance claim help and advice needed
I am trying to claim on the life insurance on my parent’s passing.The life insurance company has lost the original policy documentation. Hence do not have the beneficiary name , nor proof the documentation that it was held in trust . I now have had letters from the company stating that the policy was held in trust and not…
-
Buildings insurance for home near mineshafts
Does anyone know of any specialist insurance companies that deal with building insurance for when there is mineshafts near a property? The coal authority give me insurance to claim against if thete was ever any issues with subsidence due to the old mine shafts but I've been told I need a specialist insurance company due to…
-
Car Insurance threaten not to pay out after mouse damage to ventilation system on car
Hi all, Sorry if this has been covered before but, I can't seem to find anything on these forums. My in-laws are insured by Quote Me Happy, a Policy from Aviva, which is fully Comp. They recently drove their 2nd car after a couple of months stood in their garage (due to illness) and noticed bits of paper, plastic and…
-
How to decide re 3rd party v comp and amount of voluntary excess on car insurance?
My car is probably in its last year or 2 and likely only worth about £650. I only do about 2000 miles pa. Is there much point in keeping comprehensive policy and in either case what amount of excess should I bother with ?
-
Car Insurance
my daughter is 16 and has just purchased a vehicle the vehicle is registered to her. She is not 17 until the end of October and has no provisional license just yet (we are applying this week). I want to insurance the vehicle so that me and my husband can drive it but am struggling as they dont accept someone who is under…
-
Buildings Insurance - Share of Freehold
I'm in the process of buying the upper floor flat of a 2 flat house conversion. It's Share of Freehold and there is no management company set up to manage the freehold. The seller and the other co-freeholders just bought the freehold from the previous freeholder in January. My solicitor is telling me I need to buy a joint…
-
Buying building insurance for exchange/completion tomorrow
I need to have a building insurance before I buy/exchange a freehold property - likely tomorrow. What's the latest time to buy it? Is it midnight tonight?
-
Saga car insurance cheaper quote on moneysupermarket
Time to renew car insurance. The moneysupermarket quote is £40 cheaper than the quote I received from saga. It seems if I go as new customer it will be cheaper. Will be looking somewhere else.
-
Automatic Auto-renewal - Opt In or Opt Out?
Hi,Today Autoaid automatically renewed my membership, which I do not need (no car). Six weeks ago, they sent me an email saying that they had moved my account to auto-renewal. When I rang them today and told them that I did not want it to be renewed they said that , seeing as I had offered no objection to going onto…
-
Renewal before claim completed, does it impact service?
We had an incident in May whereby an Asda delivery driver badly damaged our fence. They have admitted liability & that they won't contest a claim etc. so that's under way, but from what I've been told it can sometimes take a while for your own insurer to recover their costs from the 3rd party. In the meantime our renewal…
-
How would I know if special terms have been imposed on another policy?
Re the question in the proposal form about having had special terms imposed in the past, how would I know about this? Would it be stated in the policy? In what way is this different from normal underwriting where a higher premium might be charged in certain postcodes, or a higher excess may be imposed in a subsidence or…
-
Travel insurance- declaration of pre-existing condition conundrum
Hi there, as I am not clear on what classifies as existing medical conditions, I played with inputting two benign issues I had in recent past into an insurance calculator. Individually, one would raise the premium by £5 (20%), the other would not increase the cost at all. However when I inputted them together, exactly the…
-
QuoteMeHappy Amazon code
Hi, if you use my code B28FL6 whilst signing up for car insurance we both get a £50 amazon voucher (upto 150 per year). Think you have to go direct for this to work but they were cheaper than most anyway.
-
Hailstorm Damage to Polycarbonate Roof
Our conservatory roof was damaged by a hail storm last week. 8 panels out of 14 have holes in them as a result. An insurance assessor from BVS (on behalf of Lloyds) came out to inspect using a camera on a selfie stick! He's just offered us £882 (although we have a £200 excess to come off that) for labour and materials to…
-
Buildings Insurance Help
I live in Scotland in an tenement flat and am required to have a Factor (or we manage ourselves). It means, either way, we all have to have buildings insurance policy, with the Factor or combined ourselves. However, our current policy is not 'comprehensive' so I took out my own policy, which I was told was 'ok as long as I…
-
Claim against my car insurance closed. No claims bonus affected?
Hi all, I have a query and was wondering if anyone has come across the same scenario. I bumped my car last year into another parked car May 2019, my fault. Only minor damage. The other party claimed against my insurance, I had built up 4 years no claims bonus at this point. This is now at 2 years with morethan, stated on…
-
Joint policyholder but only 1 life insured?
Strange query but wondering if anyone can help? A friend's wife died last year and on going through their paperwork he found a Joint policy that his wife had taken out with Scottish Widows via Bank of Scotland, on contacting them to make a claim he was told that his wife, despite being a policyholder, was NOT insured on…
