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Incredible Increase In Leasehold Building Insurance
I'm a leaseholder who lives in a 1 bedroom ground floor maisonnette of a converted terraced house while my freeholder lives in the one above me. The freeholder arranges the building insurance and I pay 50% of the premium every year. Look at how the cost of building insurance has leapt in the last few years. 2020/21 - Total…
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Total Loss - Inflated Repair Estimate
Hi All, My car has been deemed a total loss by insurance company due to being over the 60% repair threshold/market value. It a car I bought 6months ago for almost 24k and repairs have been estimated at £16,455 (for context the car was traveling less than 10mph and hit a concrete bollard in a petrol station si wasnt…
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Car damage in ramp
Hello forumites, after some “advice” we damaged our car on a ramp at the property of a well known charity. we have minimised our losses and the total bill is £395 we have third party evidence of a history of problems plus photos of other drivers avoiding the offending ramp but it’s not the merits of the case that are the…
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No Claims Bonus
Hi all, On 19 Feb my Father passed away, he was always the main driver on the insurance that he shared with Mum. Can Mum claim the No Claims from previous policies?
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Gap in Insurance cover for Business car hires UK
Hi, I am new to the forum but I am in need of some wise advice. I work for a large organisation and my job entails travelling for work. The organisation has a business account with a car rental company and has asked that I, and members of my team, hire cars, using the corporate account, to travel to various geographical…
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Misrepresentation & cancelled policy
Hi My insurance company are digging into my employment declaration as a painter (after they cancelled my policy). They have asked me for invoices to convince them of my employment. I'm looking for advise on how to deal with the insurer's questions please.
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Car insurance rates down???
My renewal from Churchill came through the door the other day, up from £600 last year to £750. Absolutely no changes, no claims etc.I think they assume if you are on auto renewal they can take the ****.Got the same insurance from Sainsbury's Bank for £420, and guess what, Churchill came up in that search at £480.
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Insurance company owe me over £1k but won't send the money
I was involved in a car accident in November 2024. As I was not at fault, my insurer (Go Skippy) passed the claim onto a company called AX. AX dealt with everything for me and everything was claimed from the other party's insurance company, Aviva. The car was a write-off and a price was offered which I disputed. I won the…
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Renovation Insurance Policy
Following an escape of water in September 2024, I have an ongoing insurance claim. The reinstatement work will be in the region of £200k. My existing policy is due to end in March 2025. I have been sent an automatic renewal notice and unsurprisingly the premium has increased three fold. Other insurers do not seem keen to…
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Car Insurance Job description help needed
so hubby is a Passenger Assist for a few sen children ( accompanying them too and from school on transport which has been contracted out to a firm by the council).this is part time. occassionally he will be asked to accompany adults to a day center, again by the council.I input Passenger Assist on the new mse car insurance…
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Fronting
Will I get accused of fronting? We have 2 cars, one my son (19) is insured on as named driver and shares with me, I’m the main driver and use it year round. He’s at uni far away so can’t drive it term time but will want to drive it in the summer. This was inconvenient last summer so I intend to get a 3rd car as a spare…
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when is a roof not a roof
My insurer askes what percentage of the home is flat roof to which I reply 10% because we have a Bay window that has a flat top to it but is not part of the main roof. I answer 10% because they only give % options in graduated steps in reality its more like 5% . I always declare it but often wonder is my Bay Top a Roof?
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Compare Breakdown Cover Car Breakdown Discussion
Hi, This is a feedback thread on car breakdown provider: Compare Breakdown Cover Please share your experience with other MoneySavers. Click reply to take part: * Have you experienced problems? * Did you haggle and succeed? The feedback comes as part of the Cheap Breakdown Cover guide. Thank you, MSE Tony
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Income Protection Policy Taken over by a new Company now they won't pay!
Hi, I've had an Income Protection Policy for approx 20 years, It pays out £500 a month for up to 12 months. I have used it a couple of times over the years, the last time being April 2023 for 4 months. They paid out with no problems the form never asked what the money was for like a mortgage(I have no mortgage since 5…
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different types of cover people have?
Hi Does anyone have experience of different covers which arent the obvious onesbut still useful? Boiler cover? Electrics/electronics cover plumbing/heating cover? Just wanted thoughts if it was useful to do etc
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Home insurance with a couple of high value items
Could standard insurance using comparison sites meet this scenario? The figures are slightly different to the real ones. House value £350,000. Rebuild cost £220,000 Contents value (excluding clocks) £15,000 Two clocks worth £7,500 each, i.e. £15,000 No jewellery. Could the clocks just be itemised, or would specialist…
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Life insurance & Wills for beginners
Dear Forum Members, I have been thinking about life insurance and wills. My key concerns are * couple's life insurance for both of us [wife and I] * will in the event of death of 1 or both or entire family * critical illness cover - it seems very expensive * all direct debits, legal paperworks like house deeds etc. are all…
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Home insurance - relevant?
My renewal is up to £300+ pa I just can't seem to get any value I understand it's a any rain aspect but is it essential ? What are people using it for when the worst scenario happens and is it still worth it?
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Home insurance cancelled due to undeclared claim which was rejected
Made a claim on house insurance in early Dec-2024. Was rejected by end of Dec-2024. Got a new home insurance policy in Jan-2025 where I did not declare this as I did not realise that even rejected claims had to be declared. Got a letter from new insurance company when they found out, and hence I told them in early Mar-2025…
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Cancer & Critical Illness
Have just been diagnosed with cancer and I do have critical illness cover through work which resets every year. I was not intending to claim as I wish to work through treatment (wfh) and if I did need to take time off, work will pay up to 6 months full pay. Another forum suggested that I should notify them in anycase, as…
