-
Botched buildings Insurance repair
Is there a statute of limitations on a repair carried out by a company on behalf a buildings insurance provider? My parents had a repair carried out around 25 years ago due to dry rot and, for a significant period since, there has been a damp smell that we couldn't put our fingers on the source of. Long story short they…
-
Home Insurance- How do you choose ?
Hi It's that time of year again where my home insurance is due & so I'm looking at comparisons. Yes, I can see that I could probably get cheaper home insurance cover but it would probably be from a company I've never heard from. In reality I'm not looking for the cheapest quote I can find rather I'm looking for a policy…
-
Unable to get subsidence cover.
Hi Just posting asking for advise about building insurance relating to a subsidence claim. In Oct 2022 I started a claim that turned out to be subsidence, at the time I was insured by Integra (actually the policy says insured by HDI Global Security are administered by Integra). For the year 2023 /2024 this continued and in…
-
Dental Insurance Question
I have 1 wisdom tooth that needs removing, but they're suggesting to do all 4 at once before it gets bad. I'll be doing this privately, but the dentist suggested getting dental insurance and waiting a few months, then claim through insurance. Would it really be this simple? If I wait for the required time, can I claim for…
-
Wedding Insurance
I want to purchase wedding insurance for my daughter’s wedding. I am paying for most of the wedding e.g. reception etc but she and her fiance are paying for other things e.g. photography, suits, dress. Does wedding insurance cover the wedding no matter which of us pay or is it just the things paid for by the policy holder…
-
Travel insurance - not disclosing medical condition - careless or reckless ?
Went on family holiday
recently took out travel insurance with AXA / Coverwise. In respect of the following question answered no At the time of taking out this policy you will not be covered for any claim
arising directly or indirectly from: a. Any medical condition you have, or have
had, for which you are taking or have…
-
How to prove I wasn't commuting.
2 years ago I had an at-fault RTA. The insurance company paid out appx £8000. Last month I received a letter from the insurance company to tell me they were seeking full reimbursement of the money they paid out, because I was driving outside of the terms of my insurance. I issued them with an SAR, which was partially…
-
Perfect Pet Insurance - AVOID!!!
Has anyone had a successful claim with Perfect Pet insurance? I am having problems with delays in a claim being processed and have learnt that the underwriting company are registered in Malta which would appear to make them exempt from any intervention by the Finance Ombudsman. They are still coming up on comparison…
-
Home Insurance - with a public footpath running through the property
Hi all, I’m in the process of buying a property and have recently discovered that a public footpath, which runs alongside the property, is actually owned by the property itself. Does anyone know if this means I’ll need specialist home insurance to cover any potential public accidents or liability issues on the footpath? Is…
-
Has anyone used Paying Too Much travel insurance?
Used this company for my upcoming holiday to the states as mentioned on MSE website to try these for insurance for people with long term conditions. I am having great difficulty communicating with them at the call centre which does not appear to be based in the UK. They were supposed to call me back but haven't. I travel…
-
Any house insurance whizzes around? FLAT ROOFS!!
Hi guys. Thinking of making an offer on a property which has a newly-built extension with what appears to be a solid and sturdy flat roof. I gather these are possibly better constructed these days than was once the case... but, even so... Is there any way of purchasing some kind of indemnity or ongoing insurance against…
-
Financial ombudsman - next step to the Ombudsman
I had reluctantly accepted my insurance company settlement amount, as it was not matching the full amount of the quote for the rework. Over 18 months ago, the FO had accepted the case but not much movement. and now they are in a hurry to close the case, the new investigator had made their decisions without seeing either…
-
Massively out of pocket after no fault claim
A couple of months ago, our beloved 2015 ford focus diesel estate had a head gasket failure. Our options were to spend 8k+ on a newer car (we have around 10k nest-egg but I'm worried about job security so prefer to keep that), or to get it fixed. Garage recommended a replacement engine, so we spent 2500 and put in as low a…
-
Legal Line Cover
Does anyone know how the above works? Specifically - is it associated with the person or the address? I had a question about my rental property but they said the line only covered me at my property. That doesn't make sense because I don't work at home but if I had a workplace issue, I would be covered. I do have this line…
-
CONTENTS INSURANCE FOR A SECOND HOME
I have bought a very small flat which would be classed as a second home and am currently trying to arrange contents insurance for it. The first broker I've gone to is looking at a policy which doesn't pay out at all for the first 180 days. I can understand the reasoning behind this but I've never heard of such a long…
-
Travel insurance dilemma
I have a travel policy in place for an upcoming trip. Two weeks ago I fell, resulting in a few stitches and a rib fracture. I’ve been discharged by the hospital as my recovery is going well, with no follow up appointments booked. Do I need to inform the insurance company of this accident or as I’ve been discharged is this…
-
Dental insurance
I am looking to save money on a dental procedure and was wondering what my best option is. My dentist has diagnosed an infected root and says I can either get a free NHS extraction or pay privately, about £700-800, she quoted, for a complicated root canal that the NHS, in theory, should treat but will not [she says]. I…
-
Life insurance and inheritance
Hi, My partner and I jointly hold a mortgage and have a separate joint life insurance policy with each other as the policy benefactor. We have 2 children each from previous marriages. If one of us dies, the life insurance amount is to cover paying off the remainder of the mortgage, and to allow the other to "buy out" the…
-
No blame accident: £800 premium increase.
In June I was driving down the road next to my children's school when I heard a clunk, a scrape, and saw the windscreen mirror thud onto the winscreen before skidding down the road. It came out of nowhere. I looked behind me and a child had opened the passenger door of their parent's parked car onto my mine. I'd already…
-
Admiral Direct vs Auxillis? Which route to take
Hi all, My car was rear-ended a few days ago (bumper/boot damaged). I asked my insurer if they’ll check for hidden mechanical issues (suspension, sensors, etc.) — they said yes, but ABL1Touch (the repairer they use) told me they only do bodywork. Options I’ve been given: * Admiral (via ABL1Touch): Lifetime repair…
