-
Insurance & Life Assurance sticky
Here are some Forum threads you might find useful: * Home Insurance Discussion * Cheap Car Insurance Discussion * Car Insurance Tips & Tricks * Level Term Assurance Discussion Area * Car Breakdown Discussion Area * Gap Insurance Guide Discussion * Compare Breakdown Cover Discussion * The Great Hunt: Have you used a loss…
-
Increased premium despite blame free accident.
Last September a man changed lanes on a local roundabout and hit my car on the drivers door handle. Initially he held his hands up but his wife was unhappy that despite me being in the correct lane, that her husband had owned up. After a few months backwards and forwards, I instructed my insurance company to take the third…
-
Travel insurance refusal
I’ve had insurance through my bank for years. I’ve had a heart attack 2 weeks ago so called to tell them. Were ment to travel in 3 weeks. They won’t cover. hol company said they will refund if they have a letter from insurance saying they won’t cover. it was hard going but managed to get a letter but it stared pre existing…
-
Paying twice to RAC
I discovered for the last three years I have being paying twice for breakdown cover. Once through my RAC car insurance where it is included with my policy, and I have also had a separate breakdown insurance not realising it was included with my car insurance. So for last three years Ive paid out £120 for nothing. Surely…
-
Pet Insurance - Out of hours
Hi Everyone, Last Friday evening at 4.30pm, I had to rush my pet dog, Winnie to the vets. Upset and unsettled to hear she needed urgent medical attention and would need an overnight stay with a potential ultrasound. Luckily, I had lifetime cover for Winnie up to the value of £10k with no previous claims. The estimate came…
-
Living in Airbnb between house moves - any insurance tips?
Hi! We've sold our house and will be moving into a new build. The timings do not work out, so to make sure we do not lose the sale we will be living in an Airbnb for approx 6 weeks... Most of our goods will be in storage. At the Airbnb we will take clothes, the cats, laptops and jewellery... which we want to insure (very…
-
Medical travel insurance claim refused
Hi, really appreciate any advise here. My wife and I were recently due to go to Portugal for a few days when my wife did something to her back and was advised by our GP not to travel. We had taken out travel insurance and declared a number of pre-existing medical conditions. Back pain was not on my wife's record. Our claim…
-
International Private Health Insurance (China)
My daughter and her boyfriend are soon moving to teaching jobs in China but international health insurance seems to be extremely expensive ( this might be the case but since it’s all new to them they are unsure) . They got a quote from AXA for over £100 each per month - please does anyone have any tips/ recommendations for…
-
Caravan Insurance for a van stored in France
Hi, we normally insure with Towergate for our caravan that is stored in France on the site we stay at However, the underwriter has changed to Aviva and they say we have to tow it back to the UK for 8 weeks. Loads of UK based people do this in France - any help please.
-
What is classed as accidental damage under home insurance?
I have contents insurance from LV which only includes limited accidental damage cover (for tv’s, laptops etc). I can add full accidental damage cover but I’m not sure if it’s worth it. It increases the premium significantly. I had always thought that accidental damage was things like spilling red wine on the carpet or…
-
Mortgage Protection Insurance for an over-50 year old
Hello everyone - I need some advice. its been a long time coming but ive re-entered the property world and have just got myself a new pad after years of renting. thing is I am now over 50 and there is that cloud over me - as mortgage protection insurance. Do I need it? I tried a broker recently who shal remain nameless but…
-
Landlord Buildings Insurance/Residential Buildings insurance.
Buildings insurance advice please. I live in a Victorian conversion. Two flats, one building. One flat is owner occupied, the other is rented. The two flats have separate owners. Share of freehold. What are the options for buildings insurance please?
-
Private Health Insurance - Don't know where to start..
The NHS services where I live are shocking bad, and I'm in the fortunate position now my mortgage is paid off to afford up to £70 a month for private insurance. But I just don't know where to start, even the comparison sites seem confusing. I'm 56 and in good health except for some acid reflux caused by a small hiatal…
-
Permanent health insurance costs?
Hi all so I have had a PHI policy for around 15 years now, and so far not had to use it “touch wood” I have changed jobs a few times and salary has risen, so decided now I have reached the grand old age of 50 I needed to look into it, and found i was down £100 a year, so previously I was paying £72 a month for around £400…
-
Single Trip Insurance for Family with different return date
Dear Members, I have purchased a single-trip travel insurance policy for
my family, covering the policy period from 1st July to 10th August. While all travellers listed on the policy started the trip from the UK on the same date, their return dates vary. However, all are scheduled to
return before 10th August, within the…
-
Vitality - new "Play" rewards
Not sure if anyone else has Vitality Life/Health insurance - would be interested to know your thoughts on the new rewards experience they've introduced from this week. For me it's probably the final straw. Around a year ago, earning 40 points a week would get me Amazon Prime membership fully paid for, a cinema ticket each…
-
Close an absolute Trustcontaining life policy
A life insurance investment bond was moved by its owner into an absolute trust for a grandchild.The trustees wish to pass the bond into the control of the only beneficiary without cashing it, but are told that this cannot be done as it is held in an absolute trust.Can anybody explain more, please, or advise on how to…
-
Private health insurance question (Beneden Healthcare)
Hello All, Looking for some advice if possible. My mum pays into a scheme with Beneden Health (for past 3 years) Recently she had an injury which has turned out to be a chipped bone in the ankle. The GP sent her to hospital who then did and X Ray and found the fracture. She has been advised that she needs to see an…
-
Recommended building insurance for water leaks?
Hello We've had a leak due to some shower issue fixed by our builder some time ago but we're worried about further leaks as sometimes we hear a dripping noise after/while using the shower on the level below but no actual leak can be seen. So we wondered if there were any recommendations for home insurances that cover water…
-
Life insurance with mental health issues.
Hello, I'm trying to find life insurance for myself, but I have mental health issues which I've been upfront with to the insurance companies and brokers, but it seems nobody will insure me. I have just purchased a house and I would like a small life insurance policy that will cover my mortgage should I pass away. Are there…
-
Confusion between Churchill Essentials Car Insurance and Churchill Car Insurance?
What is the difference between the 2 apart from the £50-£100 price difference? Is Churchill essentials 3rd party cover only? Also I read the MSE guide on car insurance and it says in the guide if you type your driving license number on the price comparison sites then you get a cheaper quote, can anyone confirm how much…
