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Insurance & life assurance

Archives for December 2021

Life insurance with osteoporosis
I’m 51 and have just been told I have very advanced osteoporosis (not hereditary, simply stupidity) . I need to buy some life insurance. It don’t know if it would make a difference to a policy, I don’t want them to wriggle out of paying my oh because of this if I don’t go for an expensive medical type policy. I can supply…
Water damage to my home caused by a heating engineer's work
Hi all, Please move if in wrong place. A plumber has discovered I've had a slow water leak for a month or so (and fixed it), caused by a heating engineer who installed a new boiler in my home, which I own with a mortgage. It turns out the heating engineer must have pulled apart a hidden pipe between the sink and toilet at…
Accidentally insured the wrong phone model
Hello everyone, Hope you're doing well. I've recently had my phone lost/stolen whilst out in London over the past few weeks. I've gone through the insurance claim as standard, and they have approved a replacement. Today I received a replacement, but it wasn't for the phone I was expecting. I called up the insurance company…
Home Ins- Are concrete blocks - bricks?
Buying a new build house, built by one of the big developers. The outside wall "outer leaf" is made of "100 solid concrete blocks" it will then be rendered. Trying to get estimates for home insurance quotes for when it ready early next year. Every insurance company (website or call) asks is it made of brick or concrete…
Accepting partial legal settlement alongside insurance payout
I have just bought a flat and the bath was damaged when I moved in. I notified the sellers immediately and the sellers offered to pay a settlement of £450. The full cost to replace the bath and fix related water damage is £1200. I can claim the rest of the building insurance as it is communal so the insurers don't mind…
Where to start?
Hi This is my first post on the forum and I really hope you can offer me some advice on life insurance. I am a 54-year-old married man with 4 children, 3 are living at home and aged 21,18 & 15. Unfortunately, I don't own my own home, have no savings, and do not contribute to a workplace pension although one is available to…
Outbuilding / Home Office Insurance
Hi, wonder if anyone can point me in the right direction. Ive recently moved to a house with a "garden room" this is at the end of the garden and has electricity and proper windows and multipoint locked doors. I want to use it has a home office, so it will have IT equipment and some other electrical items of a reasonable…
Travel insurance to cover Silverstone F1
Hi, I'm looking to take out some insurance to cover the cost of my tickets and trip to Silverstone next year for the F1 weekend. Could somebody please point me to some brokers etc ? Thanks
HELP - Is my car insurance info correct?!?!?!?!!
Hello. I was recently involved in a minor car accident where the third party verbally agreed to take liability, but has not yet done so, and when i called them after the accident they said we "could let the insurers handle it", which doesnt fill me with confidence that he's going to take liability. No one was hurt. When I…
Pet insurance exclusions
Hi all, I'm hoping someone is knowledgeable on pet insurance claims. My daughters rabbit wasn't eating or drinking so ended up at an out of hours vet at a cost of £600. She was then referred for dental work at our usual vet (where she had had her yearly health check and no dental issues were picked up) for her teeth to be…
Direct Debit with PL2 in the statement line not known
Hi. Can anyone help me identify a direct debit statement line in my latest bank account? It's not something I recognise, I can't find anything helpful on line, and I don't think we have set up any new direct debits recently. This is causing me concern. The only part of the line which is not a "reference" or a "mandate…
Car insurance with one call insurance - onecallinsurance.co.uk
I have been with Directline for quite a few years . This insurer offered me a fantastic deal plus i get some vouchers off the comparison website as well. Anyone has had any experience with them recently ? I am ok to deal with them exclusively online rather than phone if the phone cs is not that great.
Jewellery Insurance
Does anyone have any recommendations or advice on jewellery insurance? I'm looking to purchase insurance for an engagement ring. I'm aware that this could be covered under home insurance as a listed item but I'd also like to consider an insurance provider specialising in jewellery. Thanks in advance
Best Travel Insurance advice
Hi, I'm looking for a good travel insurance company that due to the current climate will cover most things. Having researched I’ve noticed that most if not all travel companies do not cover for travelling if the FCDO advises against it or a lockdown. I want to find cover to cover an event I should be attending in another…
Workshop Insurance
I am in the process of building my own workshop for personal hobbies. I rent the land it is on, but I own the building and am responsible for the services (electric). It's in a remote location but quite secure; I was curious about insurance for it & it's contents - it's going to to be for domestic use only, nothing…
Car Insurance - courtesy car included, theft not covered
Hello Just wanted to check something before I purchase some car insurance - feel like I have a good price via Compare the Market, however on reading the details, it says under the 'Courtesy Car' section - Provides a courtesy car for a set amount of time while your car is being repaired following an accident, subject to…
Macbook Air Insurance - Please help?!
Hello, My very lucky younger brother got a Macbook Air for Christmas and I'm trying to sort out insrance for him - can anyone help with recommendations etc.? I've looked into Applecare+ but he plans to take his Macbook into school to do work etc. so I'm keen to get some insurance that also covers for both loss and theft.…
Pet Insurance now wants money back for a paid claim
Hi, We recently put a pet insurance claim in and after a few days it was accepted and the money was in our bank accounts. However, a few days later they emailed and said it was paid in error, with no explanation of the error. What do we do?
Insurer will not pay for cycle - advice please
Three weeks ago, my son (15) was run over by a motorist, who admitted liability to his insurer. Fortunately, my lad will recover, but his bike will not. The insurer, Churchill, insisted that we get a bike shop to prepare a damage report and quotation for the bike and clothing, helmet, accessories, etc., which were damaged…
Financial regulator (FCA) closes the largest travel insurer in the UK after long investigation!
In July 2021 the FCA removed the regulatory license of URV who were the exclusive partner of Travel Insurance Facilities Ltd or better known as “tifgoup” https://www.tifgroup.co.uk. Numerous allegations were circulated and they were the subject of press attention over a dossier submitted to the FCA. They were the largest…

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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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