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can you help me understand insurance please
Hello,I have adhd and I really struggle with complicated things, I especially struggle when things don't work as expected, so I'm feeling rather frustrated with admiral today as their app is pretty bad. I'm trying to talk to their customer service but i literally can't see what I'm typing as the keyboard covers the typing…
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Pay-As-You-Go Insurance: Age Shouldn't Be the Final Word
I believe it would be valuable to address "discriminatory pay-as-you-go vehicle insurance." The persistent age discrimination in pay-as-you-go vehicle insurance deserves attention. As a 78-year-old retiree with minimal driving needs, I have kept my car off the road (SORN) for almost three years for this very reason. In my…
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Advice on providing NHS number for insurance claim
Hi, I am claiming on travel insurance for a cancelled trip due to broken bone. A&E advised not to provide insurance company with NHS number under any circumstances, and warned that they would push for it but they had no legal right for this. We have provided GP's medical certificate which states all relevant information…
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Life assurance company won't talk to me after parents death due to will
Hi there, My Mum died over Christmas. Only real "estate" was about 20k in a bank and a life assurance policy from years ago with LV. No idea how much that is worth but I have a letter from 1984 (!) saying it was £1000 ISH at the time. My mum made a will when I was a kid in 1991 and it names two of her friends as executor.…
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Claim on buildings insurance worth it?
Keeping it brief, had a mains water pipe under my drive way start leaking water up through the blocked paving on Saturday. Saw a trickle of water coming up and it’s now VERY obvious half of the driveway has sunken. Had the leak repaired but you can see through the hole dug up the amount of damage it’s caused to the…
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Income Protection Requested Buy-out
Hi, I’m a newbie here, so go gently please. I am currently not working due to a significant mental health condition. Fortunately I am covered by an excellent income protection policy. My claim was accepted 3 years ago following medical assessment and reports. I receive 80% of salary and my policy is up to age 65. I’m…
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Non Fault claim - How long before at Fault Insurer Makes Contact
I need to make a non fault claim, I have been advised that the at fault party has been in contact with their insurer, what should I do now? How long should I expect to wait to be contacted?
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Domestic & General on new appliances
I have some white goods which are brand new and when registering their warranty, I'm being offered domestic and general as an extended warranty. I'm confused as how does this differ from the first year warranty that comes with the appliance? Also confused as domestic and general say that callouts would be covered providing…
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home insurance - subsidence claim
i am currently in the midst of subsidence claim. my property is leasehold. The terms of my lease say that I am responsible for taking out the Building Insurance. I have submitted a claim for Subsidence and it is now under investigation for Tree Root damage. They have now asked me for Freeholder Details. i am just concerned…
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Neighbour's bin damaged my property - should I claim?
Hello! It's my first post here as I'm not sure how to deal with the situation. I own a house with a garage which is detached from the property. I rarely look around my garage if it makes sense but recently noticed that my neighbour keeps their bins behind my garage. Now, I wouldn't mind really but these bins have caused…
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Current annual travel insurance is Europe but I want to book Australia holiday for next year
Hi. My current travel insurance is annual Europe but I want to book a holiday to Australia next year, after the end date of my current insurance. How do I make sure that holiday is covered?
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Travel insurance premium increase
Seems slightly ironic to be asking this question on a day when inflation is announced to have, albeit marginally, decreased but are travel insurance premiums going the same way as car insurance did over the past 2-3 years? We recently received our annual renewal (from one of the leading providers) and it had increased by…
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NCD - partial year this year, and previous over two years old. What happens?
Hi all Seriously scratching my head on this one! And not getting consistent advice from insurers. So wondered if any of the knowledgeable folk here can put me right please.... I had insurance in my name which expired Dec.2022. 9 years NCD at the end. I took out a new policy with RAC in Oct.2024. All good with the 9 years…
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Hit from behind, 3rd party insurer not settling claim
My son is a named driver on my policy. A car hit him from behind, the driver accepted liability at the scene and photos of the damage to both vehicles were taken and he took his name and address. We contacted my insurer who assured as as it was a hit from behind it was highly likely that the claim would be settled by his…
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Need car insurance with 9 points, short-term ideal
I’ll start by begging any responders please not to use this opportunity to tell me off and morally grandstand..i know i’ve been a naughty boy and anyone telling me that isn’t going to help Right, yes i have hit 9 points, same road twice, which i know very well, its just been moved to 30mph limit, and i was travelling at 28…
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Is my travel insurance likely to cover cancelling as my friend can no longer travel?
I booked a cruise holiday with a good friend around a year ago and we are due to travel at the end of May for my special birthday. However, her husband has just found out he urgently needs serious heart surgery and she will be unable to travel - he's likely to have just had or be just about to have surgery around the time…
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Canceling home insurance company while having a live claim
At the time of the storm two months ago, strong winds took off the pvc facia and drain pipe from my roof dorma, the insurance company have taken this long, and with a shocking lack of communication now denied the claim saying it was wear and tear not 87mph winds. I pay my premiums monthly and am currently disputing their…
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Insurance confusion
We were thinking of selling our mum's flat but with other things going on, that's on the back burner. Mum has landlord buildings and contents insurance under what she called a legacy policy. That always included as an extra, rent guarantee and home emergency cover. She never took out rent guarantee and only added on home…
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car insurance for learner driver
My son is having driving lessons, and I would like him to drive our family car in order to acquire some experience. I understand that there are some insurance companies which offer specific insurances for learner drivers. However one of the conditions is that I need to have a UK driving license. I have a European (Dutch)…
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Life insurance / Critical illness cover
Hi, I'm a bit confused on how these two differ. Is one preferable to the other? I'm 51 and am back in work again after many years unemployed (ill health due to a mental health condition - now managed and not causing any problems). Are there any good brokers who can advise? Sorry this is a bit vague, but I'm new to looking…
