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liability for damage incurred in private road
We live in a private road which does not have a management company and hasnt since the road was built in 1940s / 1950s. The road has never been adopted by the local authority.We have always understood that the individual property owners were resposible for the repair of the road that fronts their property, up the centre of…
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No fault claim via Auxillis
I got into an accident recently and I am 100% sure its not my fault. The third party's van (front left corner) crashed into the side my car (towards the back). I knew that the 3rd party was going to try and put the blame to me because he refused to acknowledge he was at fault at all. So some back story, I was waiting to…
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Policy cancelled due to non-payment rights
Good afternoon everybody. I've tried to search for a solution to this on the forums already, but have resorted to creating my own post as I can't find many bits of advice pertaining to the situation I've found myself in. Deep breath, it's a long one! In December 2018 I got a new job for which I had to relocate and bought…
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Home Insurance and boxing in pipes
I'm about to get a new kitchen put in my house and the design layout proposes some combi boiler pipes to be boxed in. Do home insurances cover for this or should I keep the pipes more open?
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Premium doubled
Hi - had a life insurance premium doubled since last update 5 years ago? I’m over 70 but had the policy for 20 plus years. It has just kept going up and up this last 10 years but to double seems excessive? Or I can keep my payment the same but my payout would half?
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Life Insurance Advice please...
Hi all looking for some advice. My house i got a mortgage for was £75k. I took out a decreasing level Life insurance to cover the mortgage should i die.Not being clued up i took the life insurance to cover the cost of the house ie £75k. I asked the customer rep to advise me with it but said they couldnt. However i think in…
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Insurance Policy Responsibility
I have House & Contents Insurance with a well known high street store. After more than a year of problems with a water escape claim, I want to claim compensation. When I spoke to the policy seller, they said it wasn't them and I must speak to the insurance company. Can anyone tell me who is responsible please? The company…
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Stay Sure Annual Insurance
In March we took out an annual World wide travel Insurance for an upcoming trip in May to America it was cancelled due to the Virus and we didnt go. I have been paying this travel insurance by monthly instalments but have no intention of going this year. Can i cancel it not expecting money back but I am paying it for…
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Overpaid Legal and General for 13 years!
Hello all, I'm looking for some advice, please. After recently moving house, I found out that I'd been paying life insurance (or "protection policy" as referred to by L&G) for a mortgage that ended 13 years ago! Do you think that I'll be able to claim this money back from Legal and General, as I was paying for life…
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Policy void from conception
Dear Forum Readers, We were recently informed that our van insurance policy is at risk of being void from conception due to undisclosed information. From the time we bought the van back in 2017 we had it insured via broker Be Wiser. When at the beginning of Apr we received a chase email about renewal, I checked the email…
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High risk of surface flood. Do I need to make the insurer specifically aware?
Hi, we are FTB and I am looking at home insurance. The house is at high risk of surface water flooding, very low risk of flooding from rivers. Never been flooded before. All the insurers are asking on the comparison sites or on their own sites is whether the house was flooded or if it is in a flood warning area. Does this…
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Gap in House Insurance
Hi, I think I've dropped a massive clanger - realised I hadn't had a renewal reminder for my home insurance (buildings and contents) so checked my papers and bank statement to see when last payment had been taken and can't find any payment for the last 12 months!! - I think I presumed it had been renewed automatically but…
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Deposit fees
Hi. Can any body tell me if there is an insurance I can take out on the following. I am due to hire a campervan for 2 weeks. The company wants me to pay £ 700. Up front in case I should damage there vehicle. Is there a insurance out there to cover this excess amount . If I need to claim this money back. Thankyou
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Advice on declaring valuable items
My mother is giving me something passed down her family for generations which I've been told is worth a rather large amount of money. Do I need to inform my home insurance provider that I have something of great value in the home? I assume my premium would sky-rocket also?
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One Call Insurance Nightmare...
I used a comparison website to search for buildings insurance. The best result came from One Call Insurance, with a premium of £165.49. I accepted this quote and signed up online with the documents being available to download online. About three weeks later, I received a letter (by post) headed ‘Alteration to your policy…
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Direct Line Website Fails
My husband and I have been a car insurance customer with Direct Line for 10 years or more. Their prices seem fair and the policies good. However, what have they done to their website? We thought, with the Corona Virus we would be very modern and pay online! Wow. This would save us having to expend money on our phone and we…
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HELP.....mistaken identity
If anyone can advise me what to do I would be sooooo grateful! Back in December I received a letter from my insurer (dialdirect/ markerstudy) that someone was claiming I hit their vehicle one night at midnight in August. If I did not respond with evidence it was not me then they would pay the claim. So of course I supplied…
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Damage from neighbouring tree root
Does anyone know if our home insurance would consider a claim for our shed/ workshop? The root of the ash tree outside our boundary (just next to it- which is owned by the council) has risen and lifted our shed- warping the floor, walls and roof. The council have been out and are returning to make a plan, however they said…
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Health insurance claim issue
My private health insurance co are claiming that my long suffering (30 yrs) condition of bunions which are hereditary is linked to a new diagnosis of RA. How do I prove my historical bunion condition is unrelated please? Has anyone else experienced this? My question is linked to a critical illness claim. Thank you in…
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New for old
Just curious as to what "age" is there on a new for old contents policy. How old must the item be before company says too old to cover
