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House Fire Insurance Claim - when should work start?
Hi folks. Looking for some experience or knowledge, please. :-) TLDR: Had a house fire seven weeks ago. Insurance accepted claim, likely to be out of home 6 - 12 months. Have had some emergency funds released, and funds to equip an unfurnished let, but still have lots of things to replace and no money. 1) When can we…
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change house insurance renewal date to more convenient date
We moved in to our house just before Christmas 10 years ago, so every year it's the same. I want to shop around for home insurance, but i find there is always something else to do. Ideally i want the poilcy to renew in Jan when i have more time - any way i can do this? thanks
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Travel Insurance - airfare paid for by our daughter
Hi, our daughter and family live in California and just invited us to visit for 10 days in the New Year and they bought our airfares for us costing £1260. Wonderful news! However, when I went to arrange our travel insurance (costing, at best, £1025) I was told that our flights would not be covered since we did not pay for…
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Insurance for doing a parkrun (and a local 5k) in USA
Hello Everyone, Being someone very paranoid about insurance, I'd like to do parkrun with my daughter in the USA on our trip there in a few months. Upon reading my Travel Insurance policy (Direct Line) it appears that whilst running is ok as a sport, competing in an event or race is not included. Now, our 5k time is about…
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Water damage insurance claim advice please
Im looking for some advice about a water damage claim on Buildings and Contents insurance (I don't have accidental damage) During heavy rain, initially through gutter overflowing, and laterly a roof leak I have considerable damage to my house (ceiling collapse, 2sq metres, roof repairs, new carpets and redecoration…
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Travel insurance cruise cover.
Just a moan really and to ask who I should write to. Please be kind. I was on a cruise really looking forward to Lisbon, somewhere I had always wanted to go. Unfortunately due to industrial action the stop at Lisbon the following day was cancelled and replaced with Vigo a day later. Letters were given to passengers to…
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Insurance for house with small woodland
Got a bit lost researching this so I’m hoping someone will be able to direct me. I’m buying a house (house is completely standard construction) with about a small patch of trees, two sides of the property line I’m not worried about however two sides face onto a public road (highways adopted) and there are overhanging…
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My van insurance renewal is down unexpectedly. What's going on?
My business van insurance has gone up every renewal over the years and I've always ditched & switched as a result, and always gone for anybody cheaper, even if only marginally, on a point of principle. (I'd expect my current insurer to at least make the effort to incentivise and/or reward me for being a loyal customer by…
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Damage caused by a heat wave
Hi, I’m in dispute with my home insurance company and would like some advice on if I’m being reasonable. We have a front door with a glass panel within. During a heatwave, the glass expanded and shattered. The door company say it’s not covered by guarantee and with that particular type of door the glass can’t be replaced,…
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Buildings insurance - property in trust
In 2013, Mum and Dad put their property into a family protection trust (50% in each person's trust). Dad passed away 8 years ago but his FPT continues. For the last couple of years, buildings insurance has been arranged through a brokers - most insurance firms wouldn't provide cover as the property was not owned by an…
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Insuring jewellery (wedding, engagement and forever friend rings)
Hi I am just renewing my contents insurance and am astounded (not in a good way) that I have to provide proof of ownership of my rings. One ring is my wedding ring and the amazing people at JJ Rudell in Wolverhampton have been able to find the original hand written receipt dating back to March 2003. It gives the name of my…
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Paid for house insurance twice by mistake
Hi, just looking for a bit of advice? It looks like I somehow managed to pay for house insurance twice last year. I have no idea how I managed to do it and I only noticed it now as I was renewing for some new house insurance for the next year. I have canceled both renewals for the two old house insurances and gone with a…
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Insurance renewal delay
My current car insurance is due for renewal in the next month so I looked online at comparison sites and obtained some quotes. This is the optimum time as suggested by MSE. To compare the prices I asked my current insurer what the renewal price would be and they said they couldn't provide this until 21 days before the…
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Do I need home emergency cover if I already have boiler cover?
Hi. Need to renew my home insurance, but I am unsure if I actually need this? I already have boiler, plumbing and electrics cover with Corgi.
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Branch of neighbour's tree has fallen onto my Garden shed
Another question for you bright minds before I approach my insurance company again. Overnight and due to a local storm here in NE London, a tree branch from my neighbours has fallen into my garden and is currently perched on top of my garden shed. Is it worth making a claim, approaching my neighbour or do it myself? After…
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Forced 50/50 liability car insurance claim.
Been with very reputable car insurance company for nearly 20 years Never claimed no points on licence no criminal driving convictions fines, nothing Got hit on a rounderbout i use several times a day... by a driver who only just passed his test few weeks prior, in his girlfriends car n lived 35 miles from my townhad no…
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Home Insurance Discussion
This discussion relates to the Cheap Home Insurance Article To discuss or ask a question about the article: click reply If you've reduced the amount of your home insurance with cashback please report your success to encourage others
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Leaseholder excess payment following roof leak that damaged my property
Hello everyone, I’m a leaseholder and recently experienced a significant roof leak that caused damage to my property. The issue appears to have originated from the building’s roof, which I understand is typically the responsibility of the freeholder or managing agent under most lease agreements. I’ve already documented the…
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Can you collect No Claims Discount on Home Insurance?
Does no claims discount work for home insurance like it works for car insurance? I have been with the same insurer but their prices crept up so I changed but my previous insurer said they don't provide evidence of no claims though I told my new insurer I had x years from my previous provider.
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Mis sold GAP insurance on pcp finance
My daughter in laws car was declared a write off after a tree fell on it during the storms a few weeks back. It was purchased with a pcp agreement and her insurance policy had something called a GAP clause added which should have paid off her deposit and covered the cost of the difference of the price of the car taking…
