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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:…
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Trying to get insurance (coin collection)
So I've been looking for contents insurance for my flat (around £30,000 total) and my coin collection (around £50,000 total) After running around in circles for a week by the usual chancers who can insure everything until they actually see the details and then say no with a blank face, I seem to have found a couple of…
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Travel insurance
I have just booked a cruise for next feb 2026. I have also booked a holiday for this March and another holiday at the end of April . I usually take out yearly insurance but if I take it out now it won’t cover my cruise as it’s more than a year away . So am I better taking out a separate policy for the cruise in feb 2026 ..…
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Company Lease car insurance
I have a really stressful situation and would really appreciate some good advice! I have a company car lease and unfortunately I had an accident which almost certainly means the car will be written off. I was the only vehicle involved so will be declared at fault. I have checked my policy and I have correctly declared that…
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Building + contents insurance: opinions of Acorn Insurance?
I have been with Acorn Insurance for a year since becoming a home owner and finding them using the Go Compare website. It is now time to renew my policy for another year and, to be honest, I am not terribly impressed. It turns out that their customer portal does not work (is not operationable), but there is no message on…
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"Upgrade" the insurance solution by paying part ourself? (home insurance, burglary)
Dear All, maybe this is a silly idea: We had a burglary and they damaged the front door. Today the person from the window company was here to inspect it and said they'll probably repair the door and not replace it. However, the door is pretty old, so we were wondering whether we could get the door replaced, and the…
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Buildings Insurance Converted Flats
Hello! I wanted to ask the wise people of MSE forum whether the premium increase for our building insurance (a Georgian house converted into four share of freehold flats) seems reasonable. Between 2022-23 and 2025-26, the premium has increased by 850%. This has been driven in part by two unconnected and significant claims…
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Animal Friends Pet Insurance Discussion
Hi, This is a feedback thread on pet insurance provider: Animal Friends Please share your experience with other MoneySavers. Click reply to take part: * Have you experienced problems? * How quick did they help? * Happy with the overall service/premium? The feedback comes as part of the Cheap Pet Insurance guide. Thank you,…
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Insurance to cover 3 month secondment to Canada
Our daughter's employer is sending her on a 3 month secondment to Canada, but she has to arrange her own insurance. This needs to cover her travel there and back, her belongings while out there (she is renting an apartment), and health. She believes a 3-month-long travel insurance policy will suffice, but I'm not so sure…
