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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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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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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…
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Why isnt this covered please? re: house insurance
Hi All I have an Edwardian semi detached. To seperate the houses, is a pane of stained glass - small squares that make up a divider between the houses... if that makes sense! My daughter had a few friends over, a kid turns up that was trouble - he started a fight with my son and then left. He then threw a beer bottle at…
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Home insurance claim
I hope I’m in the right place. I just need some help from those of you who are more experienced than me in dealing with insurance claims. I arrived home last Sunday after being away on holiday for three weeks to find my living room, the bedroom above it, and the cupboard in the loft conversion (where the boiler is) all…
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Outbuildings, covered as standard?
My newly purchased property is a large detached Victorian house, separately in the garden there is a timber cabin which is fully fitted out with electricity, water and heating, bathroom & kitchen, essentially a 1-bedroom wooden bungalow. Full planning permission, council regs approval. It even has a separate electrical…
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Home Insurance for a house with Air B&B
We live in a house with an annex which is attached to the house but has its own separate entrance. We have started to use the annex for Air B&B a year ago. Last year I contacted nearly all of the common reputable insurance companies for home insurance for such a house ( with annex used as an Air B&B) but most of them said…
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Car insurance through roof
I'll try and keep this brief. My wife and I have insurance for a single car, but unfortunately she clipped a parked car whilst parking and did approximately £600 worth of damage to the other car. None of any note to ours. As we had never claimed before, we decided to go through our insurance. When the renewal came, our no…
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Pet Insurance
I have lifetime insurance with Admiral that they claim renews every year, that we have had for our dog since we brought him home. He had an accident and now needs surgery on his back legs, after looking to review our policy to make sure we are covered, our policy was canceled in October without any communication to us via…
