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Mortgage / Income Protection stuff
Hi All Been researching at Mortgage and income protection covers on this forum & also had a look at money super market for comparisons (are there others you guys can recommend?) I am trying to arrange cover for £1800/monthly with a maximum excess of 30 days. So far I am getting (roughly) £31 - £35 respectively Would I be…
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Car Insurance Claim
Morning All, I have a dilemma and just wanted some thoughts on how to tackle it. I was involved in a RTA few weeks and when the car behind came into the back of me. He admitted fault and as a result my car has been deemed a total loss. My understanding is that if your fully comp and your car is written off then my…
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Motor Insurance claims history
Hi Is it me or have most of the Insurance companies increased there claims history from 3 to 5? I have two fault claims and two non fault claims and one no claim. I have just done a comparison and my premiums have rocketed. If I could have done a three year claims history the two fault claims would have dropped off at…
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Should i keep my term assurance / critical illness cover?
6 years ago i was convinced by a mortgage advisor to take out 'Term Assurance with Critical Illness cover'. I pay 27.04 per month and the cover is 115000. im trying to reduce my outgoings and this is just under 2k i have given them. this seems to me to be a good one to get rid of. would anyone advise against this (other…
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Insurance protection for accident/illness
Hi I hope this is the right place to post this, My Husband is a self employed handyman and we are looking to get some insurance incase he had a accident or illness that prevented him from working. However looking for insurance is a mind field i tried typing in google and alot came up so was wondering if anyone can tell me…
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Help needed with MPPI & PHI
Hi all, We are just remortgaging and wanting to take out cover in the event of - Accident Sickness Unemployment Am I right in thinking that all MPPI pay out for a max of 12 months. I am less concerned with unemployment but for peace of mind I would like to take it out really. I am more concerned with the accident and…
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Building and House Contents Insurance
Every Year I get the usual letter from Northern Rock saying my insurance is ready for renewal and hence we have renewed this for you. Your twelve monthly payments will be attached to your mortgage and recovered each month with your mortage payments. Yeah Yeah " okay Well I have now decided to change this before this…
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Home insurance claim problem
Hi, I have Buildings & Contents insurance with Prestiege Underwritring Services Ltd. I filed a claim in relation to a broken granite worktop which occurred while I was removing a single unit carcass to facilitate installation of a dishwasher. I was subsquently informed that the claim was being declined under accidental…
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Swiftcover bans housewives, unemployed, retired?
Has anyone else had this crazy renewal email from Swiftcover which seems to say that the occupation "housewife" is a business they will not offer cover? Same for unemployed and retired.. Rgds tim "There may have been some changes to our policy that affect you; your premium and policy excesses may have changed along with…
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Highway Home Insurance
Having compared all home building/contents insurers as per Martins step by step guide, HOMEQUOTE DIRECT churned out the cheapest quote for me using a company named HIGHWAY INSURANCE. Has anyone had any dealings with this company before I commit to it? Regards
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Finding out when house was built?
For contents insurance purposes? I rent and have asked my Landlord (through my agents) and she doesn't know. How can I find out? I can't seem to get contents insurance without this information :mad:
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Excess problem
Hi, I currently have a problem with my excess. About a week and a half ago my car was parked on the street outside my house, whilst there somebody decided to come flying round the corner and smash into my car. There were witnesses to this which was fortunate as the person kept on driving. I phoned up my insurance company…
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Car Inurance & health problems
My wife, who is a named driver on my car insurance, had a minor stroke last week which affected her left leg. The leg has now returned to normal. Do I have to advise the insurance company? Thanks. :confused:
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Van Insurance Conundrum - Read This
Hello, Im a first poster, and desperately in need of advice. I took out a new policy on my van on Oct 27th. Gladiator are the broker and Royal Sun Alliance the actual insurer, I paid the policy in full. I have 4 years NCB on my policy. Unfortunately two days after taking out the policy I was involved in a road accident…
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Being told who I HAVE to get buildings insurance with??
I need some help and advice. Now not to sure what I am talking about so please bear with me. I have to pay ground rent for the house I own. Because I don’t own the land my house is on I have received a letter from a company telling me I have to get my Buildings insurance via the company they recommend. I had dealing with…
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home insurance question for mid-terraced house
Dear all, I have been advised recently that my buildings insurance cover should not only be adequate to cover my house but all the others in the terrace, in case they are damaged by something originating at my home. Is this normal? Thanks.
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Travel Insurance - covering missed connections
Hello I am looking for a travel insurance policy that covers missed connections overseas. In particular, I am travelling to Vietnam on a flight from Paris, and I have a separate ticket booked from London to Paris to get me there in plenty of time for the connection. The main part of the journey is Paris - Vietnam, but most…
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Is my policy void?
I have had pet insurance for the past couple of years with M&S pet insurance and am in the process of making a claim for my very old poorly cat! My problem is that when I first took out the insurance, I said that my cat was 13 - which I honestly did. Unfortunately I have since found out that I have lost 2 years and that…
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HSA dental increase premiums but BIG policy reductions : Any alternatives ??
I've recieved a letter from HSA saying that my premiums are increasing by £3 per month to £21 BUT .......... The amount i can claim for Check Ups & Maintanance has reduced from £150 to £100 each claiming year. Treatment benefit has been reduced from £2000 to £1000 per claiming year. Claiming percentage has been reduced…
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Real life clown at the Halifax
Popped into the Halifax today to pay my mortgage and something strange happened. The cashiers were wearing fifty pound notes clipped to them. There was also cheques advertising £50 made payable to customer. I don't want to advertise what it actually was advertising but the cashiers looked a joke. Long gone the days of…