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Insurance & life assurance

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

Insurance claim against a building developer.
We have an open insurance claim against a building developer who damaged our home. We have substantial evidence that it was their fault, including twelve holes drilled through our wall from the other side. No Party Wall Acts were put in place by the developer. In addition, no surveyor was used by them to look at our…
Income Protection and change of job after a claim
I have income protection with Aviva. Say I can't continue my current work due to a permanent injury. And have to go from working on the tools to say a office job. will working in a office job end my claim? How does this work?
Car Insurance ....Date purchased.
Wonder if any one can help. On the Price Comparisom Site it only gives me the option to enter the Month for the date of purchase. When it goes to the actual policy it defaults to 01/10/2024.......I actually purchase the vehicle on 16/10/2024....is this a huge issue please ??
Cash in lieu of repairs
Hi guys, couple of weeks ago a guy hit the front bumper of my car while reversing. He straight away said it was his fault. I went to a garage to get a repair quote and contacted my insurance company which told me that I have to contact the other driver insurance company which I did. They've asked me to provide a qotation…
Insuring New Vehicle with Current Insurer - Open Claim Pending
Recently my vehicle sustained damage outside the house and the perpetrator did not leave details. I am therefore having to claim against my own insurance with the vehicle likely to be written off. I have just approached my Insurance Agent AA Beam regarding potentially insuring a new vehicle whist the claim is still…
Home and Contents insurance - is storm damage worth it?
I have an M&S policy which, as most people know, is actually underwritten by Aviva. A recent claim on storm damage was refused as my slate roof was deemed in need of repair. I'm now looking to take up a policy with a different insurer but I notice that the cheapest quotes don't include storm damage! My query is whether…
Car Insurance Renewal - Declaring Children Under 16
Hi, my car insurance policy is due for renewal. However I have had a baby. It asks how many children I have under the age of 16, one child increases my policy by £60.00 a year. Do I legally have to declare this fact to the insurers?
Just bought an iPad Air
I’ve just bought an iPad Air £700 plus. The question is should I opt for Apple Care £99 for two years, go through the house insurance or just be careful. Apple cover seems the best bet
Travel Insurance for Group Bookings
A number of questions on Travel Insurance In the past we have had annual travel insurance to cover my wife and I for holidaying both in the UK and abroad. We look for the best offers each year based on our travel plans We have booked a mansion in Scotland for my 70th birthday in August next year and are inviting up to a…
Car Insurance Renewal Increase Advice
Hello, Got my car insurance renewal in, almost 50% more expensive than last year. Its almost at the point I can't afford it! I'm hopeless at these things, but has anyone successfully got this year's renewal price reduced? Any tips would be appreciated!
I am losing money on a Life Policy with HSBC. Is there anything I can do?
I took out a Lifetime Plan in 1991 (with Midland Bank in fact) which provided Guaranteed Life Cover of £20,000 to my estate when I died for a premium of £22.04 per month. In 2005 they reduced the sum assured to £19,383 and in 2010 it plummeted to £13,294 and regular reductions followed.. I did increase the premium a couple…
breakdown cover
so i completed comparison questions for full cover, decided to go with RAC and it took me to Rac own site where prices were considerably higher, no option just to buy the quoted offer, same with AA, somewhat surprised, looks like i will be going back to Green Flag (direct) as any of the other suppliers i have never heard of
Is it worth NOT taking road side assistance at all?
Why take roadside insurance I was wondering. How likely is it that my 4 year old, reliable petrol car will break down in the next 4 years? I understand you can still call the RAC, even if you are not a member. Signing up roadside is more expensive, but doesn't seem to be prohibitive. I saw £50 mentioned somewhere, but the…
Is index linking worth it ?
Hi guys just a quick one. I've had a few quotes for my Income protection & Critical illness cover and I've the option to index link the policy. So I'm under the assumption that this premium will rise every year ? I just wanted people's thoughts on why or why you wouldn't want index linked insurance? Many thanks
increasing life insurance
Hi All Hope all are safe and well We took out the above when purchasd the our flat to cover the mortgage in case something happed to one of us before the mortgage was cleared But we have now split up and mortgage is now paid up But i have stopped paying the premiunm and found out will only still get pay if some thing…
V5 not in my name
Hi i I had a not at fault accident where someone drove into the back of me. I’m the only driver and I own the car but the v5 is in my partners name. When I took my insurance policy out, the v5 was in my name but I later changed it and forgot to update my insurance. Will this invalidate my claim? My car has been written off…
Income insurance/Critical illness quotation
Hello there everyone I hope you're all doing well. Just a quick one, I've been trying to work down my list of things I've long put off & came to my insurances more specifically income & critical illness cover. So I put i went to lifesearch as I had heard good things about them and got a few quotes : for 1 year, 2 year, 5…
A query about Churchill car insurance
I have been doing quotes for my daughter via MoneySupermarket.Churchill came out very competitive, but when I went to their actual website to check all details were correct, they ask how many vehicles are registered at the address, rather than just cars, as other companies ask. There was no note at the side of the question…
Car insurance call attemtped theft mallisoius damage
My car was parked in an overnight garage and was attempted to be stolen. The thief sawed a hole to disble the alarm and unlocks. However it has extra security and failed. It was caught on camaera, but insurance company have not see, they are saying malious damage not theft. Any help
House insurance on standard terms for previously underpinned property
My house suffered from subsidence and was underpinned in the 1990s. I am currently insured by AXA home insurance because, unusually, they are fine to do so on normal terms. In fact, their quote only asks "Has your home experienced subsidence, ground heave or landslip in the last 10 years?" to which I can honestly say "No".…

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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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