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Fixtures and fittings in leasehold flat
Hi, I own a leasehold flat above a commercial premises, and I'm struggling to get to the bottom of who is responsible for insuring the fixtures and fittings of my flat, even after talking to the Leasehold Advisory Service (LAS) and reviewing the leasehold agreement and policy wording, and was wondering if anyone has some…
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LV - are they in financial difficulty?
Having major problems with LV insurance - is anybody else? the website has had all on line services removed, you call them, the lengthy message states you can make changes on line, you go through various loops on line and get referred back to the number you first called. the price I was quoted to renew my car insurance had…
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When does a named driver cease to be the driver?
I own a car, which is insured in my name, and is the car that I drive in the main. I am also a named driver on the insurance policy in place for the other car in the family. I am not the keeper, main driver or policyholder for this second car - I just drive it occasionally. I know that if I was to have an accident in the…
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Leasehold apartment leak
Hi, We own the leasehold on a first floor apartment above a retail unit, there are 3 apartments above us and they each have a balcony. Over two years ago, we reported to the property management company that whenever it rained heavy for a sustained period of time water would trickle over the above balcony and onto ours,…
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Shared entrance not being locked
My mum‘s block of flats has a rear entrance that requires locking manually as it doesn’t lock when the door shuts behind you. However 3 of the 6 residents regularly leave it unlocked. She wants to know where she’d stand (contents insurance wise) if someone broke into her flat (with its own locked door) having gained…
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Contents insurance for remote lock up/shed
I wonder if anyone can give me some tips on finding an insurer who will insure the contents of a lock up/shed etc. which is not at our home address. I’m struggling to find anyone who can help. Thanks in advance.
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Car insurance early renewal - please help!
Hello, i am due a renewal of my car insurance and been checking quotes on a regular basis as my insurance is quite expensive. I’ve found a very cheap quote for my new insurance to start 2 weeks before my old one expires. I am wondering if it’s ok for the new insurance to start earlier. Only thinking about the NCB as in…
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Work disruption clause
I have business Public liabilities Insurance with businesses disruption clause in it but they I can’t claim for covid19 .
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House items insurance questions
Hello, I need to insure the content of the items in my house. - Precisely, I wish to insure my bicycle and my motorbike mainly, I think I've got a good deal for 150 pounds annually, considered the value of such items is a very decent price. - I've chosen 20k for content insurance + a dedicated value for motorbike and…
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Home insurance carpet claim - reasonable match colour
We're having to make a contents insurance claim for a carpet in our house due to accidental damage (burn damage). The carpet is an unusual colour, it's a dark blue with lighter threads included in twisted pile to create a variation in colour, and it's a couple of years old. The insurance have passed us on to a specialist…
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No. of years NCD query
When I get renewal docs it only mentions 9+ years even though I may have provided the co. with the same evidence of NCD the year before, so why doesn't it say 10+ years or doesn't the no. of years above 9 matter ? ps I've never claimed in about 25 years of continuous driving
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Car Insurance cooling off period terms - cancellation fee confusion
I am confused about the statutory 14 day cooling off period for car insurance we are looking at purchasing. "Online" on their website it reads: * If you cancel before your policy start date you'll receive a full refund. * Cancel within 14 days from your policy start date you'll be charged a £25 (plus Insurance Premium Tax…
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Old life insurance didn't get cancelled
In 2017 my husband re-mortgaged to allow us to extend the lease on our flat. We agreed a new policy to cover the new amount with Legal & General. Recently we changed to a different life insurance company to get a better deal and realised that our original policy before 2017 had never been cancelled even though the…
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Auto Insurance (Motorbike) - A little confused
Let me lay the grounding for this confusion. Back in 2019 (end of year) I had an auto collision, my front brakes failed (this was settled out of court by the manufacturer) which resulted in an at fault collision (rear ended someone). At the time, aside from the brakes, nothing else was wrong with the bike. As such, garage…
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Do I need to mention an accident from a work car on my private insurance?
Hi all,Just a quick question. I am looking into getting my first car under my own insurance but I had a mild fender bender in a work car a few months ago and I was wondering if I need to make the insurers aware of this still as it was in a work vehicle? I do not know if the other person involved ever claimed (this was my…
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Home insurance claim question
I am trying to put a relative small insurance claim through for a damaged Item that was dropped, it was only a few days old. The insurance policy had started a few weeks before. My excess eats up about 60% of the would be claim. The insurer has just emailed this "Do you have your previous insurance documents which you…
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Car Insurance Excess
Hey all, after some advice. I was involved in an accident in November last year, it was not my fault, my car was written off, my finance paid off and i got some money minus my policy excess until the investigation was conducted to prove I was not at fault. I was quickly passed to some shady law firm called Ageas Law by my…
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Car Insurance claim - waiting for police report/insurance company to act
Hello, I hope you're all safe and well. I returned from holiday to find someone had crashed into the back of my parked car. Luckily the police had been involved as they left a calling card under the windscreen wiper of my car. After calling the police numerous times to get further details they eventually gave me an…
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Insurance claim on finance
Hi, I bought a van back in December 19 privately.I’ve had an accident in it that could possibly be a write off however my insurance company has told me there’s finance outstanding on the vehicle, not mine but it turns out i bought a van that wasn’t paid for and I have no way of getting hold of the previous owner now! I…
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advice regarding neighbours home insurance
i would like some advice please. my neighbour died over a year ago and his elderly sister inherited the house. she lives a few hours away so hasnt been able to get there often and the house is in the process of being sold.Early April i noticed "mushrooms" growing along my skirting board on the wall that is against the…
