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Insurance & life assurance

This is the place to ask any MoneySaving questions you have about insurance and/or life assurance.

Old TSB life policy
Hi, not sure if anyone might be able to advise on this... My mother passed recently and her paperwork included a small life policy taken out with TSB in the 1990's. Looking at her most recent bank statement, there's no sign of current payments to TSB but the exact same amount quoted on the TSB policy is still being paid…
Cat insurance increase
I have a cat insurance for around 10 years, we have claimed £300 over the past 2 years. We've noticed that whatever they pay out in insurance, they up the insurance, the very next monthly payment by what they gave us. For example, we've just claimed on a £300 total vet cost. Our in surance paid £120 out to us. 3 days later…
Domestic and General Appliance Insurance prices
I have my Zanussi washing machine covered with a D&G policy. Currently the price is £7.49/month. Just had a letter saying it is going up to £10.10/month. Too much! A 35% increase!So I phoned them to cancel the policy, but they then offered me a price of £7.29/month.Another case of firms charging what they think they can…
British Workmen's Friendly Society
Hi I would be grateful if anyone could point me in the right direction to contact the company now responsible for a life insurance policy issued by the British Workmen's Friendly Society, 122 Colmore Row, Birmingham - the policy was taken out in my late mother's name in 1959 and I have so far been unable to find out who to…
Employment status on car insurance for carers
Hi I wonder if anyone can help me? My 55 year old brother has given up work to care full time for our parents. He lives with them and claims carers allowance. As he will now be the main driver of our parents' car I feel I should put the insurance in his name. I am trying to find the best description of his employment…
Flat Insurance
If a freeholder of a block of flats did not insure the building, but allowed each leaseholder to take out their own building insurance would their insurance be valid in the event of a claim?
Hire car insurance claim for missing part (no accident or theft)
Hi all, I have just returned a courtesy car I was given whilst our car was in for repair following an accident. Whilst I had the car I had a few issues, one of which was that the wheel centre cap/hub cap fell off on a journey. No damage, no accident, no theft. It was there when I set off and wasn't when I returned. I…
Roof leak they won't repair
Recently had an obvious leak, with an unused bedroom ceiling leaking water and subsequent staining. Direct Line said they wouldn't cover it despite us having building and contents cover together with accidental damage. They said there'd been no sufficiently powerful storms in our area to cause it and sent some bloke out…
AXA - Pre Existing Condition query (URGENT)
Sorry to put urgent in tag line but I’m currently on holiday and my wife is getting due to get emergency surgery (2nd of 2 procedures) we’ve been in the hospital for 4 days already (so there’s a day rate for the applied). So the query here is around pre existing condition. Now as I understand it insurance companies can…
Nationwide Travel Insurance
My complaint to Nationwide You advised me that you had changed to Aviva from UK Insurance and that the cost was going up from £13 per month to £18 P/m I duly followed the links and registered with Aviva and was asked to complete the health questionnaire which I did They charged me £506 which although was more than the…
Landlords Insurance
Hi I've recently let a property via a letting agent, I assume we need to have landlords insurance in place but when I've tried to get cover it says the tenency agreement needs to be in place for 3 months, what do I do in the interim?
RAC Hidden charge of £168 for burst tyre
We recently hit a curb when turning into a supermarket car park which burst the tyre. The curb was all smashed up and we weren't the first to hit it. We called the RAC and were charged £168 for a call-out despite being a member. They consider this kind of incident an accident. "As a member of RAC, you have access to our…
Vitality are screwing me around
We were on a health insurance plan that allowed us to cancel whenever we want. So we phone them up and cancel the plan, and the advisor assures us the plan is cancelled and that we will get confirmation through. We were actually even advised that we could cancel the direct debit if we wanted, so we did that too. I'm glad…
Help me choose a new Buildings/Contents policy
As the title suggests, I'm about to take out a new policy. We've been having work done on the house so I've had specialist insurance for the last 6 months. The work is almost finished (just some decorating left) so I'm ready for a new policy. Usually, I use the comparison sites on here and then choose a company I've heard…
Lloyds van insurance !
Hi , to one and all , Have been with Lloyds van insurance for 5 years never missed a payment or made a claim , just out of the blue , recieved a letter stating that the van insurance will stop on the 24/09 /24 , no explanation nothing , so called the ‘van team ‘ who sent the letter , nice guy put me on hold , came back…
Mobile phone insurance
I've got house insurance and my mobile phone has broke , how can I claim I don't know what to say , I haven't got accidental damage but I have cover in the home for mobiles under £ 1500 and also cover away from home which includes mobiles but my policy says lost or stolen nothing about it breaking ( I haven't dropped it…
I changed buildings insurer while I had an ongoing subsidence claim - what to do?
Hi there, I have had an ongoing subsidence claim for 4 years now - it was initially not deemed to be serious/moving on an ongoing basis so it the cracks were patched up and then redecorated over. 3 months later, the main internal crack came back and since then I have been going back and forth with the underwriter about a…
Home insurance
Hi we found some small cracks through brickwork on the outside of our home. I wasn’t sure if this was a minor issue or something more serious so contacted our insurance company. This was back in August they have been out several times to do various investigations and it is still ongoing. I was told by one person this could…
Who is responsible for water supply pipe leak
We have been informed by Anglian Water the we are rsponsible for leaks between our meter and our property. Usually that would not be a problem but our meter is a mile away, with the pipe burried under arable land that is not ours.We have taken out insurance cover but the premium has been increasing rapidly and the latest…
Car insurance for a business that carries passengers
Good morning, MSE community. I am a self employed carer that occasionally drives my clients from place to place, but not for reward; however, I charge set fee for mileage, which is industry standard. (I'm paid by the hour, whether I'm cleaning, caring or driving for them) I found an insurer that would cover for this type…

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MSE News

Martin Lewis: How to call your bank with just three digits – as 'anti-scam' phone number called over a million times
One million calls have been made to the '159' anti-scam phone number since its launch in 2021, new figures reveal today (Wednesday 30 April). MoneySavingExpert.com founder Martin Lewis – one of the well-known faces most used in scams – explains how to call your bank by dialling just these three numbers.
Revealed: Holland & Barrett's supposedly cheaper 'Subscribe & Save' often costs more – it's promised a review after our investigation
Holland & Barrett's 'Subscribe & Save' scheme claims to offer regular shoppers "the best value" – but it failed to do so in the majority of cases MoneySavingExpert.com checked over a five month period. The retailer has now promised to review the scheme after our research found it was often more expensive.
Don't get your passport by post – 360,000 paid more than needed last year
If your passport is due for renewal, apply online if you can – it'll save you £12.50. More than 7 million Brits did just that last year – but over 360,000 missed out on savings by using a paper form instead, MoneySavingExpert.com can reveal.
Sainsbury’s Bank customer? NatWest takes over this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Chase customer? Check if you can get its newly boosted 4.8% easy-access saver
If you've got a Chase account, check if you can boost your easy-access savings to 4.8% – made up of a 1.8% AER fixed six-month bonus plus its standard 3% variable rate. Chase says over 2 million customers can get the boost, which would top our normal savings tables if it were open to all, though it's beaten by the top easy-access cash ISAs.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Martin Lewis: Is the £20,000 cash ISA limit about to be killed off? What savers should be doing now
Plans to cut the £20,000 cash ISA limit later this year are being considered by the Government. In his latest video, MoneySavingExpert.com founder Martin Lewis explains what's likely to happen, what the changes would mean for savers and what you should be doing now.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from 1 May. For most, this means little change for now as the Sainsbury’s brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, you'll need to move any excess elsewhere to ensure your cash remains protected.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
From Thursday 1 May, Sainsbury's Bank credit cards, loans and savings accounts will be run by NatWest as part of a deal between the two banks. You'll be moved to NatWest in the future, likely towards the end of this year, but for now the Sainsbury's Bank brand will remain and you can continue to use its products and services as before.

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Insurance & life assurance

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