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Insurance & the elderly
I have recently had my car and house insurance renewals and both have risen by vast amounts. Obviously these new higher prices are generated by an algorithm which knows how old I am. My thought is that as your age increase after a certain point the increase is greater, not because of any risk but because older people are…
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I'm just about to pay my last monthly premium on my Phoenix Whole Life policy.
What happens next?
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No fault insurance claim issues
i am a driving instructor. I use a dual control car and am insured fully comp. On Monday night my empty parked car was hit by a drunk driver who hit and run. A witness following the car followed and when the car stopped 100 yards away she witnessed the driver go into the local shop. She ran to my house (I’d taught 2 of her…
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Joint freeholder, two flats in building, buildings insurance dilemma
Hello there are two flats in our house, one occupied by us and one by tenants of our joint freeholder who owns the other flat. fir the last few years we have been paying, half each, for block of flats insurance, because our neighbour rents out his flat. This has become very expensive and as we don’t rent out our flat, but…
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Car Insurance Cancellation
Hello everyone, I've searched the forum and found similar threads, but wonder can someone advise on this specific matter. My son (17 yrs) has just passed his test. He has a little car purchased by his grandparents and has saved up for 2 years for the insurance- £2,650. The car had 2 non standard modifications on purchase,…
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Car insurance - renewal cheaper than comparison sites
Hi, I would be interested to know if other people are getting renewal quotes from existing car insurers that are cheaper than using the big comparison sites? I renewed two car insurance policies today and the quotes worked out like this: Car 1 - Go Compare = £370.19, Confused = £390.84, Tesco renewal = £354.15 Car 2 -…
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Cash in lieu
Hi, Can someone help me, my car was hit by a bus it has taken 4 weeks for the bus company to come back and admit liability. I was given three options use there insurance trusted repairer, find my own or cash in lieu. I advised I would go down cash in lieu. Once they received the quote from Mercedes via Audatex. They are…
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Writing a Will
Hi, I am looking into writing a will, there are only 2 beneficiaries. My partner and son (over 18). At present, I have my own home and 4 rental properties (all of which have mortgages outstanding on them), my intention is to sell the rentals before I die, but that doesn't help things as I am writing the will now, and keep…
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Buildings Insurance in shared freehold where one freeholder is now renting out
3 flats in shared freehold owned by our own management company which is registered as dormant. As secretary of the management company I usually buy (yearly) buildings insurance for all of us and reclaim costs from the 2 other freeholders. Now one freeholder/leaseholder has started renting out to three tenants (which is…
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Telephone recordings
Please could I have some clarification on if and how long a telephone conversation needs to be kept for. We have a claim, now at Financial ombudsman stage and we need recorded conversation as proof. It is conversation with insurance broker and contains discussion of building materials we used on our home and completion of…
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Car Insurance Renewal Quote
Well I don’t know what’s going on but I just got my renewal quote from Aviva and it’s £20 cheaper than last year! Don’t think I’ve ever had that before. I’m at max NCD so no change there.
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Money Moral Dilemma: A fire at my house damaged my neighbour's place - should I pay for the repairs?
This week's MoneySaver who wants advice asks... A recent fire at my house caused damage to my and my neighbours' properties. The damage to my place was small, which is a blessing, as I don't have home insurance. My neighbours' place suffered about £300 of damage, which is around the same amount as their excess, so they've…
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Maisonette joint insurance
My neighbour and I have joint buildings insurance for our maisonettes. It's always been done through a broker but it's gone up quite a lot this year and I want to shop around. However, I don't quite know how to. My neighbour said it's been done via a broker since he moved in 20 years ago but he doesn't know why. I had a…
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Home has different exterior finishes but timber extension is resulting in v high quotes?
Hi, Our home has been extended a few times over the years and the walls are constructed of a mix of finishes, approx.: * 37% timber (steel frame - cedar cladding) * 29% breezeblock (concrete?) * 29% stone * 5% brick A lot of insurers only give you the chance to choose one material and I have to select timber and it results…
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Admiral travel insurance - additional expenses after death of family member
Hi, I am really trying to get some support and advice and awareness for an issue with Admiral insurance. I paid for a policy to cover my pre existing conditions as I have breast cancer that spread to my brain luckily currently I have no evidence of disease but declare all this on my insurance. We were on holiday in…
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Car Insurance ... to claim or not to claim
Hello. My daughter crashed into another car as she was reversing. Apparently they spend up to try and get around her but she didn't see them and went into their passenger door. Anyway, the car that she hit has got quotes for the repair which range from £500 to £1500. (Her car only has scratches so no rush to get that…
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Life Insurance cancelled - Financial advisor demanding more fee's
Hi all, I live with my parents and they have recently taken out a life time mortgage through a financial advisor who also said I should take out life insurance to cover the equity release if anything was to happen to me (I am going to pay the interest on the mortgage for them). They are using the money to build an…
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eSure Home Insurance - deletion of Building NCD history
Hello, Has anyone had Home insurance and found that upon renewal the NCD records are missing? I had over 10 years NCD for both buildings and contents when i joined and no claims were made during the policy. Now at renewal, eSure have advised they only recognise Contents NCD and will not provide any record of my Buildings…
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Does a T2 Flair in the Temporal Lobe (Stroke) Qualify for Critical Illness Cover?
I’m reaching out to see if anyone has experience or knowledge about critical illness policies and whether a T2 flair in the temporal lobe, confirmed as a stroke, would typically be covered. The situation involves a diagnosis of a stroke in the temporal lobe, noted as a T2 flair on imaging. I’m unsure if this would meet the…
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Council Wheelie Bin damaged my car
My car was hit by a wheelei bin rolling out into the road as I was driving by on Sunday 20th October 2024 during the widely notified Storm Ashley that now appears as an 'at fault' in CUE database. Dashcam footage of the incident can be viewed at the following link:…
