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Insurance & life assurance

Archives for April 2021

Travel Insurance .
Got quotes for a couple annual world wide insurance including usa . Cheapest was around £300 but for decent cover they were mostly around £400 . £200 for usual stuff and £100 for my high blood pressure and £100 for my wife's crohns . Our medical conditions have been under control for years now by taking pills . My high…
MSE News: Started driving to work during the pandemic? You may need to update your insurance today
A temporary extension of cover organised by the Association of British Insurers (ABI) trade body ends at 11.59pm tonight, and if you don't have the correct insurance in place you could be fined and left unable to claim. Some insurers don't need to be notified today though and have automatically extended cover further -…
Life Insurance
Just wanted to get peoples views on this.... I have recently purchased a property as a first time buyer and was strongly advised to take out life cover by mortgage adviser alongside the mortgage. (He's a friend and a decent guy but obviously stands to benefit from me taking out the cover!) I am 37, not married, no kids or…
Damage to block paved drive caused by tree roots
We had a new block paved drive laid about 12 years ago. Over the last 4-5 years, roots from an adjacent tree have lifted the drive in a number of places, causing a trip hazard to visitors. The tree is subject to a TPO. Has anyone claimed on their home insurance (successfully or not) to have a similar problem rectified?…
Insurance Scammers
I was involved in a car accident late last year, the other driver admitted fault, and my insurance company is still dealing with the claim. What I find strange and annoying is, I keep getting phone calls from people claiming to be from an insurance company, they keep changing the phone numbers as I block them each time,…
No claims discount
I have been driving for over 30 years, and my current insurance provider only states that I have 9 years on my policy, this is there maximum amount. I know I have over 20 years plus. I was looking for new insurance quotes and a couple of companies have the option to select 20 years plus. So my main concern is how can I…
Accidental cover worried about making a claim
Hi all I took out accidental home cover less than a week ago after not having any cover for a 18 months or so as i was sick of the kids breaking mobiles etc. I have a valuable laptop which has just been dropped on the floor and is no longer working fullly, my concern is ringing up and making a claim so soon after taking…
Foreign Lorry driver Car Crash Legal Question
Back in June 2019 I was hit on the M25 by a Foreign lorry driver. The Lorry driver was a lovely guy and admitted his fault straight away. Because of how long the claim was likely to take to sort, I was advised to carry out the repairs myself with a view to using Admiral Law to pursue the claim on my behalf. The third…
Transferring health insurance with pre-existing conditions
Up until about three years ago my wife's employment gave her and me private health insurance with Axa. When she left the job we spoke to Axa's dept that switches departing employees onto privately paid insurance. Axa's corporate policy accepted us with pre-existing conditions (of which we have a few, having clocked up 122…
British Gas Homecare Gift Card
Has anyone else had difficulty getting their gift card from British Gas following signing up for a new policy? I signed up in September, still haven’t had the gift card. Have complained 2 weeks ago and just called again to be told could take 28 working days from my call 2 weeks ago to receive any sort of response and…
Can i take a life insurace policy out my Uncle ?
Can a nephew take one out on a direct blood relative I have his consent ?
Can I use med insurance to get a diagnosis
Can I use medical insurance straight away for a medical problem the nhs have not been able to diagnose in my stomach i also have a hiatus hernia they will not treat I was just wondering if it is like what America do you get the insurance and then use it like you would the nhs and get the treatment you need
Struggling for 90-day Trip Travel Insurance
I'm hoping someone could help, my family is planning to relocate to Central America in the coming months. We'll be entering on the 90 travel Visa, with a view to scouting out locations before (hopefully) finally settling. Requirements for entry is that we have Health/covid insurance covering a 90 day period. I've got a…
Who should be the settlor in a flexible trust?
Just some advice. I took out life insurance 13 years ago on my ex husband and pay the premiums. I have previously filled out a flexible trust for the life insurance, but believe I have filled it out the form incorrectly. Who should the settlor be? - I have originally put my exhusbands name, but should this be in my name as…
Cheapest car insurance tactic when it’s the day of renewal?
Not me, I keep these dates diarised so I don’t get burned. My partner has been slowly buying a car from his dad, and they had joint insurance on it, but my partner didn’t have the details. He was told months ago it ran out around now but didn’t mark down the dates or tell me. Dad text him yesterday saying it runs out -…
ONE CALL INSURANCE - CAR INSURANCE RIP OFF
1. They no longer take phone calls. 2. They calmed that I had not disclosed my wife's SP30 that she got in 2017. I was informed endorsements last for 5 years! When I informed them that on the Gov website the actually last 4 years they had no answer and claimed it was an insurance companies policy to charge for any…
Learner driver insurance
Is it better to have 2nd car owned and insured in my name, then get wife and teenage son added as named drivers. Or is it better to get him separate learner driver insurance. With car still owned and insured by me. is there any more options.
Bupa Dental Help!
Good afternoon, I'm looking for some help as been unable to find a thread that specifically answers the question and ofcourse cannot find anything in the T's & C's in the small print on Bupa's leaflets. There is info on Bupa Health Insurance but this is for Bupa Dental Insurance. Basically what it is, I am going to be…
Wanted-Family Income Benefit Insurancd
I’m sure you know about “Family Income Benefit insurance” that pays a monthly amount to your family if you die during policy cover. Do you know who the well know insurance companies that offer this? Do you know where you can get this insurance without having to go through loads of mental questions? Ideally just one or two…
Another life insurance (assurance?) query
Hi all, If you apply for life insurance then most of the times the policy will be provided based on your answers. Should a claim arise, then health conditions/medical records may be checked prior to pay out. Is there any additional benefit if the insurance provider requests medical record from GP when you apply for policy?…

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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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Insurance & life assurance

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