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Insurance & life assurance

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

Service media chamber on my garden
I've recently bought a house in a small cul de sac and there is a service media chamber on my land servicing 5 recently built houses on land to the side of our cul de sac. On checking the title deeds there is no mention of any easements and I am guessing the builder paid the previous owner to connect. The utility companies…
Cancellation of holiday due to illness
Hi, I booked a holiday to Dubai in April 2025 for travel in October 2025 for our family (wife and two children). I had not booked travel insurance at the time of the flight booking but was planing to sort via my bank. In the meantime I went for a routine blood test and have been diagnosed with cancer and now need to start…
Advice on dealing with home insurance and loss adjusters
Hi everyone, I just wanted to reach out and ask if anyone has experience/advice on dealing with a substantial home insurance claim as I am finding it difficult to make progress with it. Like many folks my home got battered in the storm earlier this year which caused damage to my roof. This led to water getting in and quite…
Car insurance for non-UK residents
My daughter is resident in EU country and I want to insure her on my car so she can drive it when she visits, Aviva tells me that they don't insure non-UK residents. Is this a general insurance company policy? Is it worth changing Insurance companies? Has anyone any experience of getting temporary insurance cover for such…
Holiday Costs and Travel Insurance Limits
Hello, I've got a slightly difficult travel insurance claim and looking for some guidance. Sorry for the long post. August '24 last year, a relative booked a holiday for a group of us for later this year which includes my family. In April we got news that a third party close family member has terminal cancer and there is a…
Multi-pet insurance
I assume this is the right place to post this. I'm currently looking at insuring our 2 cats. Historically I've just insured one but since we've acquired a second, I've gone through the comparison sites and added both. The premiums that have been returned are comparable with the prices it has cost to insure one cat in…
In limbo with our insurance company
This discussion was created from comments split from: House Insurance Issue - I'm not sure if it's covered.
Ongoing battle with loss adjusters over subsidence claim
Hi, hope some of you might have experienced some of my issues with AXA’s loss adjusters. Advice very much appreciated. Here goes: over 3 years ago we put in a claim for internal and external cracking. We then had 18 months of monitoring through sensor points around the building. The results were interpreted as tree…
Return trip must be booked before leaving
I have an Aviva policy through Nationwide flexplus account and it says: • All persons insured under this policy must have their main home address in the UK, be living in the UK for more than 6 months a year, and be registered with a doctor in the UK. • Cover is for the account holder and their partner living at the same…
Nova Direct Breakdown cover ripp off
really poor customer service, cheap policy but a rip-off. Waiting time up to 4 hrs, when complained they charged me £100 and sent it straight to debt collectors. Really nasty company. AVOID unless you don't mind being ripped off. Their policy's wording is confusing. If you are in an emergency forget it, pay a bit more, and…
HomeServe - Watch out for dramatic price increases on auto-renewal
Utterly furious with HomeServe. My elderly father (84 yrs) took out Plumbing and Electrical cover in 2015 for £51. As a Power of Attorney going through his financial affairs with him I was flabbergasted to discover that HomeServe have taken, via auto-renewal, around £2000 from his account in the last 5 years. Policies like…
Flooding & insurance claim
Hi, After a little advice. Our home flooded all on ground floor. We have very good insurance. They were great at responding to the claim. Came out a day later to evaluate and began drying process first. Upon this they inspected contents briefly to see what would need doing. The water came in above sockets on wall (around…
Tesco car inurance
Please can you help? I requested a quote for car insurance from Tesco and they came back saying they could not offer me insurance. I am 63 and the request is for electric Vauxhall combo car. I have full no claims history. I have been a customer of Tesco bank for a number of years and also have home insurance with them. I…
Motor Insurance and Fence
If I have a motor claim caused by an accident when I was unable to see oncoming traffic due to size of neighbours fence should I report to insurance company. I did report size of fence previously to council but they never took any action. According to planning it is over the size allowed for fences by highway.
House insurance - previous owner made a claim but unrelated to the house
I am just about to move into a new house (already exchanged) and am just arranging home insurance. I was informed by 1 insurer that there was a flood claim at the property by the previous owner. This would obviously increase premium minimun and mean that some insurers will not cover. I have evidence (e-mails) from the…
Contents Insurance cover for a large CD, DVD and Blu Ray collection.
I have a very large music collection, built up over more than 40 years, of about 3,000 CDs and about 900 DVDs and Blu Rays. It is difficult to value it. Many would be impossible to replace. Many were bought second hand in specialist shops and on eBay etc. If I place a nominal value of £10 per disc, that totals £39,000.…
Group Life Assurance Claim & Medical Records Request
Hi All, I suppose I'm asking this out of curiosity. My wife sadly passed away in February, from cancer that was initially diagnosed in 2019. A claim has been made via her employer on their Group Life Assurance (death benefits). It was approved by the trustees in March, then sent to the insurer for payment. Apparently there…
Lemonade buildings and contents insurance - beware if you live with grownup children
Hello. Just to let you know that if you live with grown up children, or any children that will turn 18 during the lifetime of your buildings / contents insurance you will have to add them separately for a fee. Also, you can only add two other adults. I live with my husband and 2 sons who are both at uni. When I tried to…
Refused house insurance
recently was left a house, me and my friend have just moved in, when applying for home insurance I was refused as I put my friend down as a lodger and she is currently in IVA, has anyone had anything similar? I don’t know who else to look at. I just thought because it was my house etc it wouldn’t affect it. I’m UK based,…
Hastings Direct - unable to cancel auto-renewal
Morning all, I have just taken new car insurance with By Miles (thanks MSE for the £55 worth of free miles!). Hastings Direct auto-quoted me £686 (this year gone cost me £580), By Miles price is £236.11 upfront with 3.4p/mile (est 6400 miles) = £398.71 so some saving! My insurance is due for renewal on 17th July so I tried…

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MSE News

Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
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Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payments this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Insurance & life assurance

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