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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…
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Help needed understanding 'Estate' please.
Hi. My wife and I have a joint Life Insurance policy which would pay out to the the survivor should one of us die. If we were both to die, I need to ensure that the money would go to my children. I'm told that a payment would go to my 'estate' but I don't really know what that means. We have a will which leaves the house…
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AA Car insurance cancelled - due to missing their NCD proof request.
On 11th February I started a policy with AA Insurance paid in full in advance. Yesterday I received in the post a letter dated 4th March telling me that unless I sent them my NCD proof (such as my renewal notice from my previous insurer) by 11th March my policy would be cancelled on this date - ie.11 days ago! My reaction…
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Healthcare plans - dental, eye care, etc
Hi, I am wanting advice on the best healthcare plans to claim back mainly for dental and optical, possibly prescriptions. I have glasses already and am due an eye test which I think will lead to a new prescription and glasses. I have also been told by my dentist that I am going to need a filling, which I would prefer to be…
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Which home building and contents insurance
My uncle is in a home and has a property which has unofficial tenants in that have no rental agreement contract and are not paying rent. I will be trying to evict them eventually. In the meantime I’m going to get home and contents insurance. Can anyone advise which type to get in this situation that will protect against…
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IFL Pet insurance
My cat has been poorly recently and I've had to pay over 300 pounds in vet bills, with more to come. I have had pet insurance forever, but rarely use it (thankfully!). I know I still have it, as the direct debits are paid every month, but can I heck find any paperwork or emails with any insurance docs. The direct debit is…
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Car insurance renewal after no liability accident
Hello looking for advice following an accident i had in early July and my car insurance renewal from Tesco insurance. The other driver immediately accepted liability for the accident, in which my car was a write off. Tesco have that in writing. I have received a settlement payout from them, bought an older, cheaper car as…
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Halifax legal expenses insurance.
We have a home insurance policy with Halifax Home Insurance, Halifax also provide our mortgage. As part of the home insurance we have legal expenses cover. Halifax clearly state that a firm called ARC Legal administer the legal expenses cover. My question is who is my legal expenses insurance contract with, Halifax or ARC…
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Company Van - Employee excess insurance
My wife works for a firm that supply her with van. In her employment contract she is liable for up to the excess amount (£1000) for any damage incurred. Are there any insurance providers that will provide her an excess policy? When we have hired vehicles ourselves, we have taken such policies out but she hasn't hired the…
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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.
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Tips needed on insuring a replacement car
I'm looking around to buy a car but one thing I'm faced with is excessive insurance costs at the point at which I want to buy the car. I have full NCD and never had an accident, but right now do not own a vehicle (I'm a named driver for my wife's car, though). The problem I'm faced with is the need to insure a car at the…
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Buildings/content ins for house with two flats, one occupied by owner.
Hi. My 86 year old dad owns a house which he converted into two flats back in the late 1980’s. He lives in the top two floors and rents out the ground floor self contained one bedroom flat. It recently came to my attention that he is purchasing annual buildings & contents insurance with no mention of the rental property.…
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Seizure since Travel Insurance began
Hi. We're partly through an annual multi-trip travel insurance with Post Office, although I've since been diagnosed with epilepsy. Predictably, when informing PO, the price has shot up by a crazy amount. What methods can I use to lower this increase - mention levetiracetam tablets, get a note from doctor etc? And would it…
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Cover from D&G for hob bought from AO not informed of other charges
Surely this is not legal, last year I bought a hob from AO and the customer service assistant told me about cover from Domestic and General, it wasn’t a lot of money and it covered accidental damage and replacement if it can’t be mended. I received a letter “still here keeping you covered” and have realised if my hob…
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Van insurance renewal higher than a new quote with Directline?
I'm just off a chat with Directline over this. My (personal) van insurance renewal came in last week, with a quote of just over £1400. I just ran the exact same details through as a new quote, and it came in around £1075. Apparently my renewal is the best price they can give me, and they wouldn't budge on the renewal…
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Travel insurance 30 day trip limit when group splits
Hi, my family has an annual travel insurance policy with 30 day single trip limit. We left the UK together in July for Europe. I travelled back for work for two weeks and will be rejoining them and the whole group will be returning to the UK together at the end of Aug. They will have spent over 30 days away, I will have…
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How to answer insurance form question about wall cracks.
Hi all.When filling in a form for a quote or renewal for home insurance, the following question is asked."Are there any significant cracks in the outside walls of your home?"The following guidance is provided for the question."You only need to tell us about cracks that have affected the main structure of your walls. Please…
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Knee ligament injury - what do I need to tell the travel insurer?
Hello. My son has recently ruptured his cruciate ligament. He is due to go on a world trip early next month and the physio who saw him said this should be ok from his perspective and wait for the operation when he returns home in about 7 months if the surgeon thinks he needs one. He has an appointment with the specialist 2…
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Motor insurance - putting another driver on works for older drivers too!
I know Martin advises young drivers to put an older person such as a parent with a good driving record on their policy as an additional driver as this could make it a bit cheaper. We discovered by accident that it works the other way too - my husband an I are both in our late 60s with long,clean driving records, and our 40…
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NON Medical Holiday Insurance
I know this will be a niche market but I'm looking for Holiday Insurance that DOES NOT cover Medical Insurance. As a Diving Instructor I purchase medical insurance through Divers Alert Network which provides me and the family with specialist Diving and non Diving Medical Insurance. I therefore need cover for all other…
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Swinton withdraws Lifestyle Excess Cover - are there any alternatives?
Swinton have stopped selling Lifestyle Excess Cover, a product that provided cover for excesses paid against motor, home, travel and pet insurance policies. I've been covered for a couple of years, but sadly have been unable to renew as Swinton have now withdrawn the product. I've been able to find plenty of examples of…
