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Insurance & life assurance

This is the place to ask any MoneySaving questions you have about insurance and/or life assurance.

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…
Professional Indemnity Insurance "claims made policy"
I am looking at ending my professional body membership in the next few months. As part of our membership, we also have indemnity insurance included. (NHS profession) When I asked about the process of cancelling, I received the following response: I am obliged to inform you that the indemnity scheme that is agreed with our…
Car Breakdown Discussion
This discussion is specifically for you to feedback on Car Breakdown cover Please first read the Cheap Breakdown Cover Click 'post reply' to have your say and let us know if it's about home or car cover To discuss other issues please use one of the following: Car Insurance * Car Insurance General Feedback * Report Super…
Shared freehold - building insurance
My question is about freeholders' shared building insurance. The house is converted into three 1-bedroom flats and the freehold is jointly owned by the three leaseholders - one of whom is myself. Building insurance cost has always been shared equally between the 3 freeholders. All are 1-bed flats of about the same size,…
Cancelling short term european breakdown cover
Hi all, I took out a short term breakdown policy with the RAC for a 10 day trip to the alps. I realised a few days after that I already had European cover on my motor insurance policy so cancelled it well within the 14 day cooling off period that I thought I had. The RAC have stated that no refund shall be given as its in…
Travel Insurance Cancelled by Insurance Company 5 days Before Holiday
Hi All, First time post for me and looking for advice. In early March this year I booked a holiday with Jet2 for my wife and I and took out a single trip travel insurance policy with Admiral. The travel Insurance policy was with medical conditions for my wife. I try and keep myself reasonably fit through cycling mostly now…
Mercia Health Benefit Plan closing
I suspect I know the answer to this but just on the off chance thought it worth asking the question. My Dad was enrolled in the Mercia Health Benefit Plan many decades ago as part of his employment. The plan was eventually taken over by Bupa. He's continued paying into it on the basis that it pays out for funeral costs. Of…
LV Home Insurance not renewing
Had an email from LV saying that they will not be renewing our home insurance (buildings and contents). I rang to ask why and they said it is because they have changed their underwriting rules, our insurance has not been refused, and we don’t have to declare it to another company if we're getting a quote. They said they…
Insurance Payout Question
Hi, My Dad died recently and he was directly employing 2 carers (he was in a wheelchair) at time of death. Legally on his death, the two carers are due statutory redundancy. He had Carer Insurance which provides coverage as follows: "The policy will not pay more than: £2,000 per employee or a maximum of £4,000 if more than…
Car Accident - Admiral / Auxillius / Haven Insurance
So...some guy drove straight into my car admitted liability all his fault...pretty much bad damaged bumper side, driver side etc...it was parked luckily no one was hurt.. So now the whole process is confusing me a bit now claiming for the insurance... So original insurance is with Admiral The gave me 2 options at that…
Car Breakdown Recovery - Emergency Assist
Just wanted to hopefully enable others to avoid making the expensive mistake I made in using Emergency Assist as my vehicle breakdown/recovery service. I had the unfortunate incident of hitting a pot-hole last week, and when I called Emergency Assist to ask for recovery and to be taken to a local tyre replacement facility,…
Unwanted Income protection insurance
Hi everyone, I took out some income protection insurance back in 2013 when I became employed by a company that didn’t provide sick pay. In 2019 I moved to a company that provided full sick pay and benefits so the policy was no longer needed. I’m 99% sure I called to cancel the policy but being 6 years later I can’t prove…
Hastings is taking my money hostage - help!
Hi all I need help as Hastings is withholding a refund of hundreds of pounds for weeks and I can't seem to find out exactly why they are doing this or what my rights are. Any help? I cancelled car insurance within the 14 day cooling off period (because they wanted double premiums based on my risk profile actually going…
Car Insurance Claim - Court Date
Could anyone please offer me any advice regarding the following… My unattended car was hit by a third party 2 years ago It was repaired and all settled…or so I thought My insurers however did not recover the costs and passed it to a solicitors I have now received a court date in London - to be there at 9.30am This is 3…
Insurers backtracking after claim validated
I contacted a claims handler at my insurers and they requested validation of the claim to green light alternative accommodation cover, as I was put out of home as a result of the claim. The claim at the time was not validated but subsequently has been this month with an offer (minus alternative accommodation compensation).…
eSure Home Insurance
Used the new MSE Compare+ Home Insurance and found some better quotes than my current Direct Line policy renewal this morning. The comparisons and tips to help reduce premiums are useful and it only took around 10 minutes to enter all the details. Hooray. But clicking through to buy from eSure has left me feeling wish I…
Do I need specific cruise insurance 2 years in advance?
Hi, I need to arrange family travel insurance, and was about to pay for our standard policy, coving Europe for the year ahead, but I noticed that it asks if we need cover for a cruise. We have booked a cruise for 2027, so not within the year I'm looking for insurance for, but as far as I'm aware, travel insurance covers…
Halifax Home Insurance - if you renew, do this first
Have just cancelled my home insurance with Halifax online Before I confirmed that I definitely did want to cancel it - I was shown this:
Life assurance/critical illness
Just trying to gauge the cost of our cover, it’s a dual cover (obviously only pays out for the one of us but covers us both) it covers the cost of our mortgage for either death or critical illness, covers critical illness for children up to 25,000, and disability cover. Is this expensive? Good value? I have 0 idea!
Aviva Zero car insurance - change of vehicle mid year
I recently changed my car from a Mercedes A180 to a Vauxhall Corsa and Aviva have not adjusted the amount or refunded me. Is it normal to leave the account unadjusted until the full renewal date which is five months away. It seems wrong to me!!!
Pet insurance problem
I took out pet insurance in September. One of the things I had to answer was: "has X been currently suffering from [anything, I presume] or has your pet been examined or treated by a vet?" Poor English, but I took it to mean "is your pet currently suffering from something [for which they have] been examined or treated by a…

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MSE News

Martin Lewis: Mobile and broadband mid-contract inflation hikes are BANNED – but there are winners and losers
Inflation-linked broadband, mobile and TV price hikes have been banned. It means some will see bills rise by a specified amount in pounds and pence going forward. However, MoneySavingExpert.com founder Martin Lewis has warned that many WILL still see above-inflation rises in future despite the new rules.
'Catastrophic' Council Tax debt collection practices to be investigated by Government – Martin Lewis says move is 'brilliant news'
"Catastrophic" Council Tax debt collection practices – that can see bailiffs at your door within six weeks demanding payment for the whole year despite missing just one month – are to be investigated by the Government. It's a win for MoneySavingExpert.com founder Martin Lewis and his charity the Money and Mental Health Policy Institute (MMHPI) who've campaigned against this rapid escalation.
MoneySaver's 'unbelievable' £675 refund from Complete Savings – how to check if you can claim too
MoneySaver Ray secured a £675 refund from Complete Savings after reading our warning about the 'cashback with a catch' site's misleading 'click to claim' ads. And Ray's not the only one, as we've been swamped with similar successes.
Origin broadband customer? You'll soon be moved to Utility Warehouse – here's what you need to know
If you're an Origin broadband and home phone customer, you'll soon be automatically transferred to Utility Warehouse – but your service will continue as before and you should keep paying your bills as normal.
Bank of England cuts base rate to 4.25% – here's what it means for your mortgage and savings
The base rate has been cut to 4.25% from 4.5% by the Bank of England. This rate is used by the central bank to charge other banks and lenders when they borrow money, so the move can impact mortgage and savings rates.
Is now a good time to fix your mortgage or should you wait? Brokers answer as rates continue to fall ahead of expected Base Rate cut
Interest rates on fixed mortgage deals have continued to be cut ahead of this week's decision by the Bank of England on whether to change the Base Rate. But will fixed rates move much further – and should you fix now or wait?
Fixed-rate mortgages continue to fall ahead of expected Base Rate cut – so do brokers think now is a good time to fix?
Interest rates on fixed mortgage deals have continued to be cut ahead of this week's decision by the Bank of England on whether to change the Base Rate. But will fixed rates move much further?
Martin Lewis: How to call your bank by dialling just three numbers
How to call your bank by dialling just three numbers… simply dial 1-5-9. Then you know it's legit. Watch MoneySavingExpert.com founder Martin Lewis' video below, which explains it. And please share – the more people know, the fewer will be scammed.
Martin Lewis: How to call your bank by dialling just three numbers – as 'anti-scam' phone number called over a million times
One million calls have been made to the '159' anti-scam phone number since its launch in 2021, new figures reveal today (Wednesday 30 April). MoneySavingExpert.com founder Martin Lewis – one of the well-known faces most used in scams – explains how to call your bank by dialling just these three numbers.

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Insurance & life assurance

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