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Life insurance trustees not following wishes
What can be done, if anything, if the trustees don’t distribute any pay out either to a named beneficiary or, in the case of no beneficiary, in line with wishes stated in a will if there is no separate letter of wishes with the trust deed?
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Napo Pet Insurance Discussion
Hi, This is a feedback thread on pet insurance provider: Napo Please share your experience with other MoneySavers. Click reply to take part: * Have you experienced problems? * How quick did they help? * Happy with the overall service/premium? The feedback comes as part of the Cheap Pet Insurance guide. Thank you, MSE Tony
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Renewal quote
Hey. My first post, how exciting! So, it’s that time of year for me, insurance renewal in just under 4 weeks time. So I called my insurance company nice and early for the first time in order to get my quote, pen and paper at the ready. Surprisingly, I was told that as my renewal quote hadn’t been generated yet, there was…
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Clothes damage insurance claim
Hi, My house was damage by water pipe burst while we were on holiday. The company assigned by the loss Adjusters came and took away all our wet clothes shoes, bedding etc. for cleaning almost 1000 items in total. They gave as estimate of £7k to clean to the Loss Adjuster and the items they have estimated to be worth £25k.…
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Car Insurance - estimated mileage - query
My wife's car insurance policy is with Churchill. The policy includes reference to an estimated mileage - a mileage which she chose when initially seeking a quote. That estimate has now been exceeded with another month of the term yet to run. I am concerned that should my wife need to make a claim before the end of the…
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Paid renewal annual car insurance - company demanding more!
I am a named driver on my husbands car insurance. On 20.01.25 I made a claim on my car insurance for what my insurance company states is policy holder at fault claim(which I disagree with) however, my husband renewed his car insurance on 20.03.25 still with me as a named driver on his vehicle, paying the annual fee in…
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Flat Buildings Insurance Query
We have just moved into a flat within a block of 4. We all own a percentage of the freehold and one of the residents deals with the buildings insurance as we manage the property ourselves. When contacting the broker to add our name to the policy and remove the previous owner of the flat, we have been informed that the…
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Travel insurance advice for a family
Hi... I am searching for a travel insurance and I decided not to buy gadget cover, as most insurers request proof of purchase and other details that I don't have most of them. I don't have all the reciepts. Some gadgets are gifts as well. So I am buying the insurance mainly to cover flights cancellation, falling ill…
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Car iinsurance no claims bonus
Hi all Im currently with LV and they want to put up my car insurance up just over 10% (i always pay this in one go to save money). Ive shopped about and can get a btter deal. The only issue is my proof of no claims for LV stops at 9 years as this is the maximum they allow. Ive scoured the ncb document of proof and it lists…
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TRAVEL INSURANCE - PRE EXISTING CONDITIONS,STAYSURE.
My wife and I have travel insurance with Staysure for several years. We are both 70 yrs old and have declared pre-existing conditions from the day of joining Staysure. All are minor conditions, being managed, and Staysure have always accepted them. Recently, my wife had a blood test, and her haemoglobin was noted as being…
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Car Insurance - Swapping cars with partner
Hi All, Over time me and my wife have gradually swapped cars but we are not officially the main drivers - we are just down as additional drivers on each others policy. In reality now she is the main driver on my car and I am the main driver on her car (she refuses to drive it - too big!) Its time to renew the insurance on…
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Life Assurance & DB Pension
Hello All, I recently lost my wife, and I'm a little confused about what I'm entitled to from her work. She had a DB pension, from which I believe I will get a spouse's pension. It also says that it will pay a "death in service lump sum" of 3x salary. She also had life assurance through the company, which also said it…
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LANDLORDS BUILDING INSURANCE - DELIBERATE OMISSIONS
Hello, I am the leaseholder of a flat, in a large converted house - there are 18 flats in total. My landlord is responsible for buildings insurance. Looking through the policy, I have noticed several mistakes. 1. incorrect address details for the property insured. 2. My landlord is a Company. On the policy it refers to any…
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Aviva ridiculous car insurance renewal quote
Currently with Aviva. £432.33 previous year, £677.61 renewal quote. That's a price hike of 64%. They want almost £700 for a 7 year old car which sits on my driveway most of the time. I've been a car insurance holder with them for approximately 3 years, and have held other policies for over 7 years, and this is the reward.…
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Insurance renewal comparisons for multi-cover
My multi-cover insurance policy covering two cars and our home is up for renewal and (surprise surprise) the premium has gone up by about 20%. I've tried the usual suspect websites (MSE, compare the market etc) but none of them seem to offer the ability to run comparisons for dual-car insurance let alone a multi-cover…
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Underinsurance technical point
Home Protect (Avantia) policy booklet last year had the following explanation of under insurance. "For example, if Your Contents are actually worth £50,000, but You have only listed £25,000 as Your Contents sum insured, any contents claims will be proportionally adjusted by 50% - a £10,000 Contents claim would be settled…
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Can you have multiple health cash plans?
I get one for free through work (health shield) which provides some coverage for me. But I want to buy a family one and the cheapest way to do that is to sign up to a new provider. Combined, both schemes have some overlap and some unique items too, so I would want both. I absolutely won’t claim for the same treatment…
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Home Insurance - Finding Temporary Accommodation
hello all, I wondered if anyone knows how insurance companies find temporary accommodation for their customers after they have claimed (flood, fire damage etc)? is it through the loss adjusters? or do they ask the customer to find somewhere themselves? Thanks in advance
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Auxillis and Churchill each refusing to accept liability
In summer 2023 a third party hit my stationary car and it was written off. I was referred to Auxillis by my car insurer Churchill and I accepted a courtesy car from them. Unfortunately, while driving the courtesy car I scraped the paint on another car and they claimed on their insurance to have it fixed. Many months passed…
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Coverwise/AXA - not recommended
I incurred lots of extra costs 10 days ago because of Eurostart service from London-Paris cancelled. AXA/Coverwise denying claims because it is WAR related. Not impressed David
