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Insurance & life assurance

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

How on earth do Home Insurance Prices rise like this?!
Between 2012 and last year I hadn't paid more than £300 for Home & Contents Insurance. Cheapest I could fnd last year was an annual payment of £346 through the Co-Op. Just receivied my renewal and for the year I have been quoted £1,986.06. {Expletive placed here} Reasons given the usual underwiters have changed things…
Motability insurance nightmare
Long story, really sorry!!! I was involved in a RTA in a vehicle leased from Motability. The driver was not at fault and the other driver admitted fault from the start. I was sitting in the back seat and the impact was at the back and I suffered quite severe whiplash. At the request of the insurers I was sent to a local gp…
Critical illness cover - claiming
I was diagnosed with Stage 1 invasive cervical cancer late last year, I had a hysterectomy and lymph node removal (thankfully it hadn’t spread to lymph nodes) . I have a Critical Illness legal and general group policy through my employer so was thinking of making a claim. Keen to see if anyone else has been in a similar…
Home emergency cover for water leak
Edit: all good - I can't delete this thread though!
Anyone tried Esure Flex Home Insurance?
Just applied for it via Quidco, it was £200 for full Home & Contents inc Accidental & Home Emergency Cover...so effectively £165 after my £34 cashback for the year. I dont bother with Legal Cover. Anyone had an issues? I rarely claim, although I do use Home Emergency regularly (boiler or pipe issues etc) What is the actual…
Renovation Nightmare: Missed Drainage Pipe in Survey, now Flooding – Who’s Liable?
This post is a bit long. There’s a short summary up front for the TL;DR crowd. The longer, detailed read is below, my questions at the end. Thanks. Short Summary We had an extension built. The project manager instructed a drainage survey before concrete was poured, but one of the main soil pipes—serving bathrooms and…
Lemonade Insurance
Just wondering if anyone has any experience of this company? Currently renewing my contents insurance and this company has come up by far the cheapest on the comparison site that I use, but I can find very limited info about the company, most of which seems to be American.
Public liability insurance for carer?
I am looking to appoint a self employed carer a few hours a week for my mother. Does she or do I need to get insurance? I assume the answer is yes but not sure what exactly we need.
Travel insurance claim denied - can’t work out if they cancelled and voided the policy aswell
I had a open claim for a travel insurance they denied the claim due to me not declaring a pre existing condition. My fault and I can’t argue that. there closing statement doesn’t mention they have cancelled the cover but they did copy and paste terms and conditions that does mention it so I’m not sure how to interpret it…
How to best handle Home Insurance application error.
I would welcome advice and suggestions about how to handle a situation caused by my error. We have a standard detached home in southern England, For many years we have taken out combined buildings and contents insurance. We normally shop around every year to get the best deal. For a few years that was with Ageas. In August…
When to notify the holiday insurance company
I've seen my GP and am waiting for an ultrasound scan. Is it best to tell the insurer now or when I receive a diagnosis? My feeling is it makes more sense to await diagnosis.
Home Insurance Question - How Would You Handle This?
Earlier today a driver lost control of their car, left the road and impacted my car which was parked on my drive, shunting it into the house and damaging the kitchen wall (structural damage). The damage was assessed by my builder who has ordered me to not remove my car until he's got the house propped. The kitchen is new,…
Car insurance query (Answered)
I hold a provisional driving license and have a car already, I have comprehensive insurance with 1st Central. I want to practice with a relative who holds a full license, he obviously has his own insurance and I believe I'm listed on his. Do I need to adjust my cover to add him, as he'll be sitting in with me.
Income protection- acid reflux no longer a condition but insurance quadrupled!
Hello all I have just been on a 3 hour call with my broker to find income protection insurance... all was well and a package was found for £11...until in underwriting, I stated I had an endoscopy for acid reflux investigations. I have no diagnosis and have had no issues or medication for 12 months but when the quote came…
Issues getting home insurance.
Hi all, I am currently trying to get buildings and contents insurance for my new property prior to completion. Prior to purchase some cracking under the first floor windows was flagged for further investigation. A follow up report from a chartered structural engineer deemed the cracking to be due to the lintels failing and…
Theft or not: Point of view
Just interested to hear others' point of view. In my book, if someone takes something which does not belong to them, that is theft. Some years ago now while I was on holiday I left my camera on the bus seat. I realised as soon as I got off but couldn't chase the bus so called into their office to tell them. I called in…
Legal Entity - third party claim
I am hoping someone can help me on a couple of points. I am looking to bring a small claims against a company. I have been dealing with a brand name, been part paid by the brand name and all emails and contact has been with the brand name. I have submitted my claim and the defendant has put in their defense but the lawyer…
Can't get fully comp car insurance for a week in Ireland. Why?
I have a car insurance with Churchill, fully comp. Driving to Ireland for a week, but can't get fully comp for a week in Ireland (did have it to other countries) and no explanation as to why. Anyone would know what could that be?
Motorcycle insurance. Would like some advice please
I have had motorcycle insurance for several years. I possess a 1978 Honda Express which is used mainly evenings and weekends during the summer, I am the policy holder with my husband as a named rider. This year I elected to use the MSE search tool to obtain new quotes for my motorcycle insurance which is due for renewal on…
Mortgage insurance v income protection insurance
Is it possible to get an insurance policy that pays mortgage payments directly if needed rather than as a regular payments

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MSE News

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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
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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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