-
Life Assurance early 80's minimise future tax bill
Is it possible to take out a whole term life assurance to minimise a future tax bill when someone has passed the age of 80. If so would you be able to take out a 7 year plan (to cover until they are 90).I have my doubts this is possible. The life assurance would be written in trust so as not to add to the estate. Thanks
-
Life insurance options - new baby
Hi all, I've checked the MSE post but I'm still struggling to figure out which policy to get. I would appreciate suggestions. Things to consider: -We are not married (planning to in next 4-5 years) -We have one child who is 14weeks old -We both own flats that we do not live in (my partner has a mortgage, I don't) -We rent…
-
Travel Insurance medical claim denied by AXA
A few months back my son travelled to Spain and whilst there needed to seek medical assistance for tachycardia. He's never had this previously. It cost him about £400 for the medical bill. Travel insurance was in place for the trip and there was no reason to declare any previous or current medical conditions. The claim has…
-
car scrapped but cancellation costs more than last monthly payment
So… this is new to me so seeing if anyone been through something similar and what they did. Have sold the car to scrapyard. Filled in documents and so DVLA know. My car insurance runs out end of January. However they charge £50 admin to cancel it which is more than what is left to pay on my monthly instalment. Can i just…
-
Insurance claim
Hi all, I let my friend borrow my car for social and domestic purposes only, checked his insurance and he was covered to drive it but he used it one day for his work and bumped into the back of another car, nothing serious and both cars still drivable but his insurance wouldn't pay and it went to court and now my insurance…
-
New Young Driver Insurance Cost - Your experience
New young driver insurance seems so expensive these days. Confused.com says that "despite a drop in premiums for most, young drivers continue to battle some of the highest prices for their car insurance... paying more than £2,000, on average." MoneySuperMarket, say average price for 17 year olds is £1,974 and Compare the…
-
Travel Insurance While Waiting for a Medical Test
Hi, I am waiting for an MRI for tennis elbow, an innocent enough medical problem, but I am finding it hard to find travel insurance. The furthest I got was with StaySure but I am going on a boating holiday and they required us to wear life jackets 24 hours a day, even while in bed, which I didn't want to do. I am also…
-
home insurance not in continuous occupation
My daughter has her own house and a normal house insurance policy.Unfortunately she is currently suffering with a bad back and mental health issues, so she is living with us at present. Once a month, she goes to stay overnight to meet the requirement of the house not being unoccupied for more than 30 days. Does this meet…
-
Am I Covered Until I Change Cars?
I am about to collect my new car on Monday and requested a change of vehicle in my policy. I find the following statement in the online application a bit ambiguous. On 16/12/2024 only, your current vehicle will be covered until you get your new one. If you still need cover for your JAGUAR, F-PACE, we may be able to offer…
-
New driver insurance so mad..
My daughter is 17, doing A levels and works part time in Supermarket, and just passed her test, so we are looking to get her a cheap car. We were expecting the insurance to be about the 1500-2k mark to begin with based on what her friends parents have told us, but we have been getting quotes today and they are wild, like…
-
Thread not needed
post deleted
-
Health insurance - but pre-existing condition
Thinking of starting a new personal health insurance policy, but aware these guys will all likely do anything they can to avoid authorising claims in the future. Obviously pre-existing conditions are not covered, and I was diagnosed by my doc last year with diastolic hypertension (high blood pressure). It was only…
-
Holiday insurance
HI: Can anyone point me in the direction of a good insurance company that would cover existing medical conditions. A 70yr old and my missus who will be 64 both with previous medical issues and ( A heart attack ten years ago ) planning a trip to America for 10 days. I am under the impression the insurance could be more…
-
Motor Insurance Exclusion clause
I was scrolling through my motor insurance certificate the other day (for no particular reason, obviously nothing better to do) but was intrigued with one of the usage exclusions. The relevant section says: Use for social, domestic and pleasure purposes (including commuting) EXCLUSIONS Use for any business purposes, any…
-
Annual start date after first day of travel
Hi there - we travel to Europe regularly and normally have annual travel insurance. As the Easter holidays are closer together in 2025 and 2026 there is a potential to squeeze two Easter holidays into one policy. But the catch would be it stats from 5th April 2025 and end 5th April 2026 but we would be travelling on the…
-
Cancelled insurance
I'm in the process of finding a new Home Insurance company. I've hit a problem with the "has anyone had a policy cancelled etc?" I had a car policy cancelled a few years ago as I didn't get the proof of no claims to them in time as I was away on a long holiday. On my return I had 3 letters with the final one saying they…
-
Car Insurance for EU Visitor
Does anyone have any recent experience of putting a visitor from the EU onto their own car insurance for a temporary period? My father in law from Germany is visiting in April, and we wanted to insure him on the car for a week, but the insurer won't insure temporary visitors, and everywhere I've looked including temporary…
-
Car insurance and legal cover
I was hit by a moped at the rear of my car. I contacted my insurance company Marshmellow with who I have legal cover. My NCB is protected. Marshmellow put me in touch with their "insurance partner" Winn Solicitors who were going to act for me. Several months later Winn then ask me to pay their fees and the hire car whilst…
-
Selling online used Electronics - which insurance needed ?
Does anyone know as a business what type of insurance ( if any ) I need to sell used electrical items online ? I have looked online and before signing up for a policy want to make sure it is the right one . I normally sell as a business online through Ebay mostly music memorabilia but have been looking to selling used hi…
-
I was wrongly sold Health Insurance some years ago . I was brain washed into taking it out .
Dear Sir / Madam . Some years ago I was brain washed by a rep visiting my office that I needed Health Insurance . The NHS was quite capable of catering for all my health needs . Ive lost appx £ 25 K . I am willing to pay a fee for any agency that can help me get some money back . I have all docs to support my claim . Kind…
