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Direct Line Car Insurance
Just a word of warning for anyone with Direct Line car insurance, don’t expect them to even investigate your claim unless you go hard at them, they just want to take the path of least resistance and settle every claim 50/50. Last weekend a woman tried changing lanes on a dual carriageway clearly not realising I was…
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Insurance to be cancelled due to open claim
I was in a non-fault accident 7 weeks ago. The third party admitted liability, my excess was waived, I had a credit hire vehicle charged directly to their insurance company until my vehicle was repaired. I've arranged insurance on a second vehicle and informed them that I had a non fault claim. They've now contacted me…
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Insurance premiums after cancer treatment
I am sure
this has been discussed many times but… we have health insurance with Axa for
core cover plus standard out-patient cover (three appointments a year) and guided
option (they source a specialist). In early 2023 my wife was diagnosed with breast
cancer and has had a stack of treatment. Premiums for the two of us…
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Obtaining Named Driver NCD.
Having done a search on the forum I realise that this question has been asked before, but not for a long time, and the insurance world may have changed since it was last asked. My question relates to someone who has been a named driver on someone else's policy for many years but has not had a policy in their own name for…
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My neighbours house has subsidence
We are adjoined to our semi detached house. Their loss adjuster has contacted us detailing large trees, vegetation, hedges and other areas of cracking within their property, from their front garden. We think their drainage has also been affected. The loss adjuster also sought permission to reduce the height of the boundary…
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Travel Insurance
For the purpose of a family travel insurance policy Is an 18 year old who has just finished his A levels in June and no longer has to go into school still classed as being in full time education until the end of the academic year?
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Home Rebuild Cash Settlement
Hi there, Our insurance company have recently received quotes to rebuild our house which have come in very high (approx £150k more than the house would be worth when built). Even though it is the insurers money and taking all of the emotion out of it, I feel that this would be a huge waste of money and it does not make…
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Insurance claim problem with insurance repairs
I'd value some advice about this situation. My home insurer installed a root barrier to protect house foundations from a large tree. During the installation of the barrier, the lead man on site advised me that even if not necessary he might cut the water main to save time. I thought about this over the weekend and sent an…
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Hastings Premium Home Insurance
Has anybody had an experience with Hastings Premier Home Insurance? It will be nice to know. Thanks
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LIFE INSURANCE
Hi Hope all are well Just need to ask as have the above was a joint one bus am now divorced changeing to sole one but want ask how to leave money for son as in case some thing happens to me would i need to set up a trust or name him as nomie on my policy or advise my company only to give to him once he is 18 years old if…
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Professional Indemnity Insurance "claims made policy"
I am looking at ending my professional body membership in the next few months. As part of our membership, we also have indemnity insurance included. (NHS profession) When I asked about the process of cancelling, I received the following response: I am obliged to inform you that the indemnity scheme that is agreed with our…
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House Insurance Problem due to previous Claim
We purchased our house in 1999 and within the documentation it was stated the house had work carried out due to tree route damage. In 2004 we noted cracks in the plaster works and asked for a survey, it was noted there was movement of the house and the cracks were cosmetic. We've had no issues or reason to contact our…
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Shared freehold - building insurance
My question is about freeholders' shared building insurance.The house is converted into three 1-bedroom flats and the freehold is jointly owned by the three leaseholders - one of whom is myself. Building insurance cost has always been shared equally between the 3 freeholders. All are 1-bed flats of about the same size,…
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Cancelling short term european breakdown cover
Hi all,I took out a short term breakdown policy with the RAC for a 10 day trip to the alps. I realised a few days after that I already had European cover on my motor insurance policy so cancelled it well within the 14 day cooling off period that I thought I had. The RAC have stated that no refund shall be given as its in…
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Travel Insurance Cancelled by Insurance Company 5 days Before Holiday
Hi All, First time post for me and looking for advice. In early March this year I booked a holiday with Jet2 for my wife and I and took out a single trip travel insurance policy with Admiral. The travel Insurance policy was with medical conditions for my wife. I try and keep myself reasonably fit through cycling mostly now…
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Mercia Health Benefit Plan closing
I suspect I know the answer to this but just on the off chance thought it worth asking the question. My Dad was enrolled in the Mercia Health Benefit Plan many decades ago as part of his employment. The plan was eventually taken over by Bupa. He's continued paying into it on the basis that it pays out for funeral costs. Of…
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LV Home Insurance not renewing
Had an email from LV saying that they will not be renewing our home insurance (buildings and contents). I rang to ask why and they said it is because they have changed their underwriting rules, our insurance has not been refused, and we don’t have to declare it to another company if we're getting a quote. They said they…
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Insurance Payout Question
Hi, My Dad died recently and he was directly employing 2 carers (he was in a wheelchair) at time of death. Legally on his death, the two carers are due statutory redundancy. He had Carer Insurance which provides coverage as follows: "The policy will not pay more than: £2,000 per employee or a maximum of £4,000 if more than…
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Car Accident - Admiral / Auxillius / Haven Insurance
So...some guy drove straight into my car admitted liability all his fault...pretty much bad damaged bumper side, driver side etc...it was parked luckily no one was hurt.. So now the whole process is confusing me a bit now claiming for the insurance... So original insurance is with Admiral The gave me 2 options at that…
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Unwanted Income protection insurance
Hi everyone, I took out some income protection insurance back in 2013 when I became employed by a company that didn’t provide sick pay. In 2019 I moved to a company that provided full sick pay and benefits so the policy was no longer needed. I’m 99% sure I called to cancel the policy but being 6 years later I can’t prove…
