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Refused insurance claim due to wear and tear / age (a ceiling has fallen down!)
Looking for advice please. Part of the ceiling in my 1910s built flat has fallen down. It's the original lathe and plaster ceiling. Insurance Company are refusing to cover the repair saying 'wear and tear' is not covered, neither are repairs due to 'age'. I can't figure out how a ceiling can be susceptible to 'wear and…
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Do I need to inform my insurance of building work being undertaken
Do I need to Inform my insurance company about building work being undertaken?
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Travel Insurance - Awaiting Tests
I am wondering if anyone could give me some guidance? I have had an annual worldwide travel policy (Staysure) that has been in place over the past five years, renewing around the 15th May. Whenever there has been a diagnosis, I have duly done the responsible thing and informed, and updated the policy to reflect. I feel…
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Two vehicles / two policies
I have my own car policy with no named drivers and I am the administrator on a separate policy for my husband’s van (different insurer), for which there is currently a claim going through for a minor accident for one of the named drivers. Do I need to declare this for my car policy renewal? Could it affect my car policy…
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Illness close to boarding
Hi, We were just about 40 min from boarding when my younger son started to be sick. He had been a bit unwell during the morning but we thought it was that he was tired and hungry. We had a bite to eat at the airport and that seemed to settle his stomach however just before we were due to go to departure gate we had to rush…
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Direct cremation
Considering some type of payment scheme for direct cremation. Am I best talking to an online company or local funeral directors? Tia
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Insurance Company took payment even though not with them?
Hi so I checked my bank account and found a payment of £266 taken from my account by Quote me Happy, Im not with them & havent been with them for a few years, I contacted them & they confirmed I have no active Policies with them, they will have to raise as a complaint & investigate, I contacted my Bank & they said as its…
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Left 94 yr old to die in back room as not fixed subsidence 3yr ago
Mums house subsided sept 22 due to neighbours trees, survey and trees removed was quick, 1yr of testing, then approved for fixing which required front room & kitchen to be emptied , tiles, plaster etc to be removed, cracks filled and the put back together & decorated. 2 yrs & various abandoned schedules later still not…
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Unoccupied house
UPDATE ALL SORTED NOW THANKS Help please, literally at end of my tether. My brother is end of life, I recently let his home insurance know and they didn't tell me they don't insure unoccupied homes. My brother now in a nursing home and I now find I need to find an insurer ASAP. Can anyone recommend one please?
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Home Insurance price increase
I have just renewed my home insurance (buildings + contents).Last year the premium was £242. Now they want £327 for the same cover. An increase of around 35%! Naturally I looked on price comparison sites.On average, it seems that prices have increased by around 25%How can insurance companies justify this when inflation is…
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Incorrect car details with some insurers
I bought a BMW in 2019 and transferred my private plate from my Ford in the process. Ever since, every year when it comes to renewing insurance I have significant issues getting insurance companies to correctly link the reg to my new car. The DVLA and MID databases are correct and should my current car. Comparison sites…
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Insurance company cancels policy during an active claim
We currently have an active insurance claim set to expire in late August. The repair work underway is expected to take at least six more weeks to complete. However, we've received notice from our insurer stating that they will not be renewing our policy. This raises two major concerns: * What happens if, during the ongoing…
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Insurance Occupation Madness
Just been trying to work out the correct occupation to declare for a trainee solicitor's car insurance. I was looking at the options on your site and noticed that the cheapest legal occupation to declare is a Sheriff's Clerk, who would pay £325. The most expensive occupation is a Sheriff's Officer (ie the same job in most…
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Spain travel insurance - now mandatory?
Off to Ibiza soon and usually don’t bother with travel insurance (yes I know it’s good - please can this thread focus on the rule change itself and not ‘why don’t you have it’!) Just read about a new rule change and potential border checks for it. Anyone else heard about this? Searched MSE news but surprised it’s not being…
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Multi Car Insurance Has a little known risk
Just found out after my wife had two no-fault accidents in her car, that because I am the policy holder on our multi car policy, even though I was not involved in the accidents and they did not affect out no-claims bonus, it has increase my premiums by 25 percent. If we had separate policies with one in her name, I would…
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Holiday rental car - excess and repairs
I have a rental car issue in Portugal. I booked through Holiday Autos (broker) and Centauro rental cars and have a damage excess refund insurance from Axa. The excess is quite significant. The front right tyre was scuffed badly when I kerbed the car. I checked with a garage and the car is fine to drive but the tyre…
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***WATCH MBNA HOME INSURANCE***
Purchased home and buildings insurance before Xmas. Noticed a new direct debit on my account for £4.34 on Dec 22. Assumed this was the first payment of HI. Then saw first payment of Insurance go out - and then today a second payment of £4.34 leave my account.Traced the direct debit - AWP P C SA to Allianz Assistance (Do…
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Travel Insurance questions
Just looked on Staysure and Avanti to get a quote and they've changed the wording where it asks what medical info you need to declare during the past 2 years to.. have you had any physical or psychological conditions requiring treatment, consultations, medication in past 2 years. Not sure what they mean by physical. Anyone…
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Reinstatement value of property
Hi, I need to calculate the reinstatement value of my flat for insurance purposes. Does anyone know the best way to go about this? Thank you.
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Bonkers house insurance
Just checked through my John Lewis insurance which is coming up for renewal at an extra £110 a year and there are loads of cover items that don't apply to me and that I cannot opt out of -- for example, £10,000,000 employer cover, £1000 cover for domestic staff personal effects, and £6.71 a year to cover bicycle theft. Not…
