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…
Legal Protection add-on - Options
Hi, I am currently looking into my potential options to help me with an employment dispute and have been in touch with arc legal (via my sure home policy), who have asked me to submit details and evidence related to my claim. As part of the claim it gives me two potential representation options to choose from: 1) Use their…
Car Insurance for Daughter (2 Policies)?
I seem to be getting conflicting answers so I am hoping someone here can clear this up for me. My daughter (17) has just got her provisional and would like to drive my wifes car for practice (she has driving lessons booked but due to the waiting list they wont start until after New Year). We contatced my wife current…
Comparing Car Insurance annual cost with LV - My experience
Ok so been with LV (& house insurance) for several years. Always been happy but, like many other folk, car insurance on a multi car policy has increased by 54% from £283 to £446 per annum. This is after the additional policy discount. Did comparison last year but nothing came close. However comparison site quoted again…
New driver car insurance
Good morning, my daughter is due to take her driving test next Wednesday (fingers crossed for her) will she have to wait until then to get quotes for insurance or can she start looking now even though she wouldn`t be able to confirm she has a full driving licence. Grateful for any advice, thank you
Contents insurance question
I am almost certain of the answer but thought I would at least ask for others opinions. We live in a block of flats, top floor. One year ago we noticed there was rainwater ingress that damaged the carpets and skirting board by a balcony door. The management agent of our block, spent quite some time finding the issue and…
Car Insurance - policy cancellation email..scam?
hi everyone, Just a quick question on the policy provider. I have been with Sheilas Wheels for a long time. My policy is not up for renewal until December. Today I received an email from someone called rekeys at esure.com quoting my policy number with below message. Doesn't that message sound strange, is this legit or…
Buildings and Contents Insurance (Home signed over by parents)
Hi, my parents have signed over their home to both myself and my sister. This has all been completed legally and my parents will remain in the home. Their current insurer Direct Line did charge them £258 for both home and contents insurance under the FloodRe scheme as their home is near a river, but the home hasn't flooded…
Insurance Voided After Accident
Dear forum members, I seek your advice regarding an issue with my motor insurance policy that has been recently voided. Any help would be greatly appreciated. The policy, registered under my name and personal address, has been voided due to a discrepancy with the registered keeper's details, which are in the name of a…
Existing insurance Co. can see my confused.com quotes?
Can Insurance Co. gain access to quotes I have had from other companies on comparison sites? After some conversation about my renewal quote being too high, the agent accessed the (slight) differences between my existing policy with them and the quote I had on confused.com - slightly different job title, No. of adults in…
Home insurance & emergency protection cover
Is EPC worth it as part of your insurance? I have buildings insurance as i'm in a small block of flats, and contents insurance. The contents insurance offers EPC but it pushes my quote up a good deal and having browsed the forums I'm not sure if it's worth it. Any advice would be welcome! Thank you.
Car Insurance renewal
Hi all: My car insurance renewal arrived in my in box and was increased by £ 100 on last years premium i then do the comparison sites and the best quotes are from the company I am currently with but would only increase my premium by £40, ( How come ? ) can i just go ahead and take the comparison site deal and let my…
Overseas storage unit
My partner has a storage unit in Australia and has received notice that the present insurers will cease cover when it comes up for renewal. Being overseas, I don’t believe that we can cover it on our home buildings policy so presumably will need to seek alternate cover with a company out there unless anyone can suggest…
Should I cancel dog claim?
My dog has had a massive claim this year made up of lots of claims plus one separate small one my question is should I cancel the small one. the bigs ones are surgery followed by multiple physio visits, laser treatment, ultrasound both diagnostic and therapeutic, steroid injection to joint etc. this is definitely now in 5…
HELP! Axa/Hastings Insurance - rubbish home policy
Hello I insured my home with Hastings on autorenewal last year and earlier this month we had a problem and needed to claim on the policy. Documentation from Hastings states that AXA is the insurer and to claim through them. After contacting AXA, they say that my policy expired last year (at the time of autorenewal). After…
Renewal of Buildings & Contents Insurance but I have an ongoing claim that hasn't been settled.
Hi, I recently had a lightning strike at my house which caused damage to the build as well as some contents. The claim is ongoing but it isn't at the stage where the cost has been valued yet. My policy is due for renewal in 2 weeks and my current insurer has said they are not going to offer me a renewal quotation. If I go…
Decreasing Term Life Insurance Policy with no mortgage
Hello, I have a decreasing life insurance policy with my husband, however, at the end of this month we will be making our final payment on our mortgage. Is it best to get a different type of policy once our mortgage is paid off? If so, what kind of policies are there? I've had this one since I bought my house (13 years…
New car insurance policy
Hi I have an Insurance policy that expires on 10/10, but the car it relates to is in the scrapyard after a third party hit it and has been declared a write off, I am getting a replacement car on 01/10, I have 1 years NCB, how do I best take out a new policy for my replacement car bearing in mind by then I will be 9 days…
Allianz travelling insurance disgusting way of doing business
I am insured for years for all year round travel holiday with Allianz, I have booked 3 holidays ( one was due today) one trip in France September 23 ,one cruise in October23 in the Med, one cruise in India in January 24 .the first 2 booked in July 23 the last one booked in September 22. my partner had a cough in march 23…
3 people, One booking, two travel insurance policies
The wife and I have anual travel insurance policy but now and again my mother comes away with us, because of her age and pre-existing conditions she can't get anual cover so takes out insurance in her name for the period of the trip. I book the holiday for 3 people, the wife, mum and I, if we had to cancel say for a…
Auto Renewal Feed-UP
I am totally feed-up with auto renewals, even if you tell the company no auto renewal, they still try to auto renewal. What way can I pay for my insurances without the insurance company being able to automatically take the money. Is there a credit card where every transaction has to be authorised by me before they can get…

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