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Write off valuations
Hopefully someone will be able to give me some advice. Basically I left my car parked outside my sisters house one night after having a few drinks and was going to pick it up the next day. About an hour after I left it some drunk driver ploughed into the back of it. He was caught and has been charged with drink driving. My…
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Please help DFS PPI
Hi all, I hope somebody can give me a bit of advice regarding an aggrement with DFS from 2004, its my last payment this month and i have just found out that i have been paying 4.53 per month ppi to them (capital bank). I only noticed this after paying for 3 years and the balances did not match. The only problem i have is…
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Is it possible to get short term car insurance?
Hi all, I have just bought my first car, having been a named driver on another car since September 2006, and I am looking to get myself insured on it. Unfortunately the prices I am being quoted are way more than I was hoping for so I hoped I may be able to get some advice here. I am a 23 year old postgraduate student who…
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paying twice for life insurance
We have been paying for a life policy which we believed was cancelled in in 1992. When we changed our mortgage provider We are trying to get a refund . Do we have a leg to stand on ?
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Life insurance advice needed please!
Hi, I have a policy with Friends Provident which we took out 3 years ago through a IFA, when we re-mortgaged. We didn't pay a fee, as the advisor told us he got his money from the mortgage/insurance companies. We have since moved to a higher value house and are now underinsured by at least £100k. We are currently paying…
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Travel Insurance after Having a Seizure
Just wondered if anyone can help me. We're looking to go on holiday later this year to florida. My niece aged 8 had a seizure back in february. She has had scans & ecg's done & nothing has been confirmed. She has had nothing since & the doctor has said it could maybe never happen again. She has been given medication to…
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Newbe....Car insurance....
Hi Guys, I am a newbe on here but been using the site for a while now..... Now I am 25, have on paper 2 years no claims. But i have no claimed on my insurance since 2004. But have no offical proof (i dont think) of this. Over the last 4 years i have changed cars and insurers alot....currently on 8 cars! I have a new job…
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17yr old son travelling to brazil for 6 weeks
Can any one help me please - My son is travelling with his father to Brazil 7/7/08 and coming back alone 22/8/08 so will be gone approx 6 weeks. Have tried online insurance quotes and all of the sites come up with "must be accompanied by adult" but surely children of his age travel alone? Anyone offer any value for money…
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PHI unemployment only, or Antinsurance ASU cover??
Hi - help! I am looking for some insurance against potential redundancy - looks like my company might be a bit rocky at the end of the year, and I'm concerned incase I'm pregnant at that point and therefore unable to get another job... I'm confused as to the different benefits of unemployment only PHI vs ASU policys such…
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critical illness cover & exclusions
hi, im about to take out a joint insurance policy, everything is ok etc.. but the insurance company have put an exclusion on 'total permanent disablement', maybe because i said that i once had 'gout' about two year ago, and if iam reading the document correct.. basicly its saying that if i become disabled and unable to…
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Citadel Income Protection from Dentists’ and General - any positive/negative experien
:confused: Has anyone got any positive or negative experience with Dentists and General Mutual Society? I am thinking about one of their products - The Day One Bond, which is basically a PHI where even one day off work can be claimed for. The other thing they state on the website: “Citadel is different from almost all…
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Critical illness *and* income protection cover?
Is it worth having both income protection cover and critical illness cover? If I were to have, for example, IPI covering 60% of my salary and also took out critical illness cover, would both policies pay out if I were to get a covered illness that prevented me from working? Context: I'm 35, married, one child, and I am the…
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Tesco Car Insurance Renewal Penalty
Hi, I am hoping someone can help me. I have been with tesco car insurance for a number of years now and my renewal has just come up. I got a much better quote from another company and so have canceled my tesco renewal. I have now been sent a letter by tescos to tell me that I am going to be charged one months premium plus…
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Help! Being sued by other party in private claim????
Hi just a short precis involved in a small collision back in August. No damage to my vehicle, some damage to the other one. Fully reported to my insurance company who dealt with his insurance company Last I heard (february) - my insurance company told me they were aiming to settle it on a 50/50 basis - both side pay their…
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Redundacy Cover - 12 weeks notice period??
Hi There, I'm looking for an insurance policy to cover me against redundancy, I'm 37 year old male and have been with the same company for 21 years. My problem is that my wife also worked for the company for 20 years and was recently made redundant, we had an insurance policy that we assumed would kick in after 30 days as…
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PPI with First Plus
I took out a secured loan with First Plus in 2005. Within 3 months I had remortgaged and paid it back, but was told I would not get the PPI premium back which amounted to about £11,000. Do you think I can claim it back?
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Husband has 3 points for speeding
He got three points in June 2006, and I have only just found out. So for the last two years I have renewed two lots of car and one motorbike insurance policies without declaring these points. I was always under the impression that the police/courts shared this information with insurance companies, does anyone know how it…
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Motorcycle Insurance
Basically I took out my policy nearly 6 months ago and paid for it in full. I have sold the bike and phoned up my insured to cancel the policy. The woman calculated it and said I would only get 20% back and by the time they took off the cancelation fee I would be due to PAY THEM £15. I said ok but in that case I would be…
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Employers Liability Insurance
Hi - we have our own business and are about to take on our first employee this summer. However, I have just been told we need employers' liability insurance. Can anyone recommend a good place to search costs on this / compare policies? It's for a software comoany, and the person would just be doing sales and marketing.…
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malicious damage and No claim bonus
Hi, someone smashed two windows from my car which my insurance replaced. as I'm trying to renew my policy they informed me that my no claim bonus is gone, even though this was obviously not my fault. Is this true? Thanks