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Critical Illness Claim Refused by Insurance Co – Type 1 Diabetes, FCA Breaches & Neurodiversity Conc
Hi everyone, I’m reaching out for support and advice following a difficult experience with my Critical Insurance Provider and the Financial Ombudsman Service. I’m hoping others may have faced something similar or can recommend a way forward. Background I took out a critical illness policy in 2022 via a price comparison…
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Advice re insuring against tree damage
I’m not sure if I’m posting in the right category, but I’m trying to get some advice on an issue with a tree at the end of my garden. I have been in my house for 20 years, and the back of my property has a bank that I have never considered to be part of it. A beautiful lime tree sits at the top of the bank and I have…
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Critical illness insurance - late claim
In
2000, my wife and I took out life insurance polices with Norwich Union, as we
were advised to have these in place across our 25 year mortgage term. These
were later taken over by Aviva. All premiums have been paid monthly throughout
the life of the policies and we are due to continue paying premiums until Oct 2025 when…
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Alcoholism, alcohol related conditions and life insurance.
My daughters partner is an alcoholic and has recently been diagnosed with liver disease. He's been advised to give up drinking but shows no sign of doing so. They have life insurance to cover their mortgage but the liver disease isn't on it. Should she contact the insurers to have it added and what would the likely outcome…
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Advice on claiming through MIB
Hi, I would like to know how easy it is to claim through the Motor Insurers Bureau as a direct claimant? I would like to avoid paying solicitor fees of 20% if I can, but I would like to know if I am much more likely to receive compensation and receive more if I use a solicitor.
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Unsure whether to make insurance claim
Unfortunately I managed to scrape my car and cause a huge dent across the two doors when turned into the carpark and was too close to the boulder. I went to a bodyworks place and they quoted around £1500 to fix my car. It's a 2014 Polo valued at 4000k. I am wondering whether to make an insurance claim instead which I guess…
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Written off value - confused
Please can anyone advise? Van was hit and insurance have written it off. I’ve been messaged with an explanation which I don’t understand and need to let them know if I accept the offer or not. They’ve given a figure for Retail Value, another figure for Trade Value and then it says their engineers have placed a pre-accident…
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Assurance Policy
Hi, I had a 10 year saving assurance policy that matured last year and I received my payment (albeit a disappointing amount). The policy was only for £10 per week but I have received a couple of letters now which state that the premiums were stopped (by them) two weeks early so could I send them £20 to cover this ? I…
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Domestic & General - Premium increase beyond that allowed in contract
I just got an auto-renewal notice on my freezer insurance. Last 2 years £3.96, this year £5.30.....but in the T&Cs it says max rise in year 2 & 3 is £1. Call D&G, make complaint. They call back 2 hrs later saying they have increased by more than £1 due as they are passing on tax increases, which they are allowed to…
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Home Insurance to cover a dog sitter staying in your house?
Hello, First time poster, long time listener! I have a rather unique situation, I've seen some forum posts on this but struggled to find a solution, whether one even exists. We have a dog sitter staying in our house as a service (we pay them) while we holiday. Every insurance company or broker I've spoke to finds this too…
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1st Central Car Insurance – Beware the Auto Renewal Bot – no Escape!
As reported previously, 1st Central car
insurance, with whom I had paid for a year’s policy commencing 2024 June 14th,
had ‘invited’ me to renew with them at an increased cost this year, but ‘no
need to do anything, we’ll do everything for you’ and, crucially, take payment
from ‘the debit card you used to pay us last year’…
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Home Insurance Claim
This is my first insurance claim. I do not know how it works. I have all ceilings in my flat affected/damaged after the water escape from the neighbours upstairs, where they had a tradesperson, who did a new bathroom and damaged the water mains pipe. Neighbour gave me the tradesperson's insurance details, which I passed to…
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2 Jobs With Both Income Protection
Hi, I had been paying for my income protection on 2 different jobs. I had been made redundant on one of them. Can I claim insurance even if I still have the other job? tksnota
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Extending travel insurance query
Hi all, We are travelling to the US soon and have annual travel insurance taken last year. The issue is, it will expire a couple of days before our return and we don't want to risk being without, just in case. What is the best way to deal with his 2 day gap? Will it be ok to take a new policy starting on the date our…
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Best insurance company for contents insurance for a single room in a large HMO
Hello, a friend is renting a room in an 8-bedroom HMO - it's staff accommodation in a very safe area. The room is on the first floor and has a lock on the door. It's pretty low risk.They are struggling to find affordable insurance - most companies don't even offer insurance for HMOs with this many bedrooms.Does anyone have…
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Credit Van Hire
My husband entered in to a Credit Van Hire after a no fault claim This was instigated by an Accident Management Company and surprise surprise also the owners of the Credit Van Hire. The third party insurers accepted responsibility and offered a settlement figure as the van my husband owned was deemed a write off. The AMC…
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Struggling with car accident claim
Hi, 3 years ago I was in an accident. The insurance claim part has been settled, with another driver admitting full fault. However there is still an ongoing medical claim. In short, I had severe pain in my lower back for several months after the accident, culminating in a period of many weeks where I could not even sit…
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Aviva - income protection policy cancelled after policy change requested
HiI'm just wondering if I could please have an opinion on the following matter:* My mortgage advisor does income protection insurance via Aviva and applied for the policy on my behalf and I was emailed the policy information etc. * Income protection policy taken out with lets say £20k salary on 9th Jan 2024 . I also…
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Pet Insurance Recommendations
Tesco Bank Pet Insurance are changing underwriters due to RSA pulling out of the market. Existing renewal customers seem to get the same/similar level of cover with the new underwriter but new customers/policies get completely different cover. Can anyone recommend a good pet insurance company (or even underwriter) based on…
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Car Insurance Query
Hello, I have a hypothetical question. It's regarding if I took out a car insurance policy for the year and was paying the premium monthly. If I cancelled the insurance policy after the three months and had made three monthly payments, apart from cancellation charges, will there be anything else I would need to pay? Or…
