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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…
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Wall cracks and home insurance.
Hi all.I am confused about home insurance and cracks on walls (internal and external).When I used a comparison site to compare home insurance quotes, the usual popular home insurance companies appeared in the numerous results at the normal prices, however, if I choose yes for the question asking if there are any cracks, it…
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Someone trying it on ?????
So I got a text message and email this morning from my car insurance stating that someone had made a claim against me for me hitting there car. They stated the day it suppose to have happened but could not tell me or my insurance company a time or location but said I hit a parked car. They asked me to fill in a form and…
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Travel insurance refusal
I’ve had insurance through my bank for years. I’ve had a heart attack 2 weeks ago so called to tell them. Were ment to travel in 3 weeks. They won’t cover. hol company said they will refund if they have a letter from insurance saying they won’t cover. it was hard going but managed to get a letter but it stared pre existing…
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House Insurwnce
I moved to direct line last year having been with police mutual for many years. Police mutual had increased to over £700 pa despite no claims. anyway I have a leak in the bathroom that seems to be coming from under the shower. I’m disabled pensioner so can’t really look to see what the problem is. I’ve noticed on here that…
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Life Insurance 101 needed
I've just turned 60 and I am only now starting to think how people will cope when I'm gone. I'm a Widower with no children (that I'm aware of) and 3 younger siblings. When my partner passed away (9 years ago) I was left in a seemingly hopeless situation as we had made no plans for anything bad happening to either of us - I…
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marmalade insurance - learner driver
Junior is having driving lessons. He was thinking of taking out insurance with Marmalade. Are there any drawbacks/problems in doing this? Will I need to insure my main insurer (LV) ?
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Architect made a mistake, trying to get it fixed on her insurance
We own a smallholding, and are having a garage-size building built in our garden under permitted development where the old outhouse used to be. The architectural designer we used to draw up the plans knew that the domestic curtilage only included the house, garden and driveway - not the wider land around them - and she…
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Water Leak - Insurance claim when Freeholder has died
I noticed the water pressure on my boiler kept dropping in April, my usual plumber couldn't find a reason and suggested it was a water leak within the walls or under the floor.I live in a one bed-roomed ground floor flat that is leasehold so I contacted the Freeholder and asked if I could claim on the insurance, he sent me…
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Can I get travel insurance without medical cover
I need to sort very basic travel insurance now I am turned 71 and the Halifax has stopped their free travel insurance for me. I am a resident of Spain with S1 registered under the Withdrawal agreement so I am entitled to free medical care in both countries (NHS & Spanish equivalent). As we have a permanent place at my…
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Travel insurance - mental health claim
Hello, Looking for some advice here - my partner and I booked a holiday back in February to travel on 31st May. In late March he had a mental health breakdown, and was suffering from despression and severe anxiety attacks. There were a number of things that would trigger it, but during this state one of things that was…
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Single Trip Insurance for Family with different return date
Dear Members, I have purchased a single-trip travel insurance policy for
my family, covering the policy period from 1st July to 10th August. While all travellers listed on the policy started the trip from the UK on the same date, their return dates vary. However, all are scheduled to
return before 10th August, within the…
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Business Insurance - Help Needed
Last year we had a claim on our insurance by a member of the public who fell over, the insurance company did a deep search and sent us a letter stating "notice to void" because I had not declared some work CCJ's - I worked for a large corporate PLC and was one of a number of directors on two of their subsidiaries for…
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Car Insurance for a hybrid car
I have a nearly 4 year old BMW 330e hybrid car. Insurance seems higher for this type of car.. Are there any insurance companies that are worth trying for quotes? Have tried all the comparison sites already.
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Appliance Insurance
Hello fellow forum people, I am new to this , please bare with. I have appliance insurance for each of my house appliances, and have for 35yrs been with Domestic & General Insurance. I have had no issues except for the last recent one. I have lived on a houseboat for 10yrs, and D&G engineers have visited the boat many…
