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Contents insurance specified items (jewellery) after family separation
I am in the process of leaving my partner and the family home, and have rented a property to move into. The family home is mortgaged and we have buildings and contents insurance which has always been in my name, this isn't due for renewal until October. We have had quite a lot of claims so it was hard to find an insurer,…
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No declaration travel insurance anyone know.
I am trying to get quotes for travel insurance for a 71 year old couple. I’ve declared obvious pre existing conditions but then see I need to add everything we’ve had need to see a GP, consultant or had an A&E visit for over the last two years even if it is now better. If I forget the slightest thing, I know we wouldn’t…
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What insurance do I need?
Hi, I have recently purchased a leasehold flat which I am looking to insure. As a leasehold, the building insurance is covered by the landlord of the entire building (each flat pays the landlord directly for this). Does this mean that I only require content insurance? Thanks
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Western Provident Private Medical Insurance - fair value or being hoodwinked ?
Be very careful with this company, I have been in financial services for 38 years, I also own another company which needed a PMI policy for myself and 1 employee and family therefore took a Family Office Policy out over 10 years with no complaints on cover however with hardly any claims at the premiums rocketed over the…
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Domestic and General set up an auto-renew without my consent
hello,I took out an insurance plan with D&G April last year. it was a year plan. they contacted me telling me it's ending soon but not to worry, they have auto renewed it. I was not asked and I did not give them permission to do this. I find this quite frustrating as there is no opt out in my online account and there is no…
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Water Leak behind cabinets
I hope someone could help me. I am with Ageas and noticed slugs in the kitchen. I pulled the kick board off in the corner of the kitchen and noticed a big wet stain on the floor. There is a big grey waste pipe behind the cabinets in corner and it looks like there was signs of dribbles on it so I think it may be coming from…
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Car insurance write off
What's the situation re. insuring a car that has previously been written off (cat N, cosmetic damage only)? My understanding is that it will need to have a new MOT, but what about getting insurance? When getting a quote, there is nowhere to declare a previous write off, or does the system just find this automatically from…
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Life insurance trustees not following wishes
What can be done, if anything, if the trustees don’t distribute any pay out either to a named beneficiary or, in the case of no beneficiary, in line with wishes stated in a will if there is no separate letter of wishes with the trust deed?
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Renewal quote
Hey. My first post, how exciting! So, it’s that time of year for me, insurance renewal in just under 4 weeks time. So I called my insurance company nice and early for the first time in order to get my quote, pen and paper at the ready. Surprisingly, I was told that as my renewal quote hadn’t been generated yet, there was…
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Clothes damage insurance claim
Hi, My house was damage by water pipe burst while we were on holiday. The company assigned by the loss Adjusters came and took away all our wet clothes shoes, bedding etc. for cleaning almost 1000 items in total. They gave as estimate of £7k to clean to the Loss Adjuster and the items they have estimated to be worth £25k.…
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Car Insurance - estimated mileage - query
My wife's car insurance policy is with Churchill. The policy includes reference to an estimated mileage - a mileage which she chose when initially seeking a quote. That estimate has now been exceeded with another month of the term yet to run. I am concerned that should my wife need to make a claim before the end of the…
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Paid renewal annual car insurance - company demanding more!
I am a named driver on my husbands car insurance. On 20.01.25 I made a claim on my car insurance for what my insurance company states is policy holder at fault claim(which I disagree with) however, my husband renewed his car insurance on 20.03.25 still with me as a named driver on his vehicle, paying the annual fee in…
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Flat Buildings Insurance Query
We have just moved into a flat within a block of 4. We all own a percentage of the freehold and one of the residents deals with the buildings insurance as we manage the property ourselves. When contacting the broker to add our name to the policy and remove the previous owner of the flat, we have been informed that the…
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Travel insurance advice for a family
Hi... I am searching for a travel insurance and I decided not to buy gadget cover, as most insurers request proof of purchase and other details that I don't have most of them. I don't have all the reciepts. Some gadgets are gifts as well. So I am buying the insurance mainly to cover flights cancellation, falling ill…
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Car iinsurance no claims bonus
Hi all Im currently with LV and they want to put up my car insurance up just over 10% (i always pay this in one go to save money). Ive shopped about and can get a btter deal. The only issue is my proof of no claims for LV stops at 9 years as this is the maximum they allow. Ive scoured the ncb document of proof and it lists…
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TRAVEL INSURANCE - PRE EXISTING CONDITIONS,STAYSURE.
My wife and I have travel insurance with Staysure for several years. We are both 70 yrs old and have declared pre-existing conditions from the day of joining Staysure. All are minor conditions, being managed, and Staysure have always accepted them. Recently, my wife had a blood test, and her haemoglobin was noted as being…
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Car Insurance - Swapping cars with partner
Hi All, Over time me and my wife have gradually swapped cars but we are not officially the main drivers - we are just down as additional drivers on each others policy. In reality now she is the main driver on my car and I am the main driver on her car (she refuses to drive it - too big!) Its time to renew the insurance on…
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Life Assurance & DB Pension
Hello All, I recently lost my wife, and I'm a little confused about what I'm entitled to from her work. She had a DB pension, from which I believe I will get a spouse's pension. It also says that it will pay a "death in service lump sum" of 3x salary. She also had life assurance through the company, which also said it…
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LANDLORDS BUILDING INSURANCE - DELIBERATE OMISSIONS
Hello, I am the leaseholder of a flat, in a large converted house - there are 18 flats in total. My landlord is responsible for buildings insurance. Looking through the policy, I have noticed several mistakes. 1. incorrect address details for the property insured. 2. My landlord is a Company. On the policy it refers to any…
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Aviva ridiculous car insurance renewal quote
Currently with Aviva. £432.33 previous year, £677.61 renewal quote. That's a price hike of 64%. They want almost £700 for a 7 year old car which sits on my driveway most of the time. I've been a car insurance holder with them for approximately 3 years, and have held other policies for over 7 years, and this is the reward.…
