Insurance & life assurance

Just had an initial survey done today. Semi-detached, 100 yr old, grade 2 listed, London clay soil. Both neighbour and we have cracks in last few months. Turns out it is bad subsidence. I went upstairs for the first time in 3 months and nearly had a heart attack. Will probably need underpinning. And then extensive…

i am currently in the midst of subsidence claim. my property is leasehold. The terms of my lease say that I am responsible for taking out the Building Insurance. I have submitted a claim for Subsidence and it is now under investigation for Tree Root damage. They have now asked me for Freeholder Details. i am just concerned…

HI. My 16 year old daughter is booked to do henna tattoos at a local pub event and I want to get liability insurance for her. She's not being paid by the pub; just having a stall there and there is no fee so I don't think their insurance would cover her. Does anyone have any experience of this? Do I do it in my name and…

This is a complaint for the attention of Apple and AIG Insurance, and to see if others have had the same negative experience. 3 weeks ago my phone was stolen. Whilst I'm fine (even though the AIG call centre operators did not think to check) the subsequent saga of trying to claim through the insurance has been shocking!…

Hi I am new to the forum. I rent a property and have a lodger with consent of my landlady. I would like to get contents insurance to cover us both but what happens in the event of my death? Can I name my lodger on the insurance? My lodger is not only my lodger they are my closet friend that has helped me for years, they…

Sorry for the long read but I really need some advice what to do next. Out of the blue a letter arrived from Phoenix Life at the beginning of August (2026) explaining that they had been trying to find me about a matured life policy in my name. I know nothing about this policy, I dont remember taking it out, I dont have any…

Hi there I wonder if anyone else has been insured by these and has the same experience. Having held house insurance for close to 30 years, with the last being with Sky, we've never made any sort of claim. Hence intrigued (before we start to look elsewhere) why the decision has been made at renewal time. Background is it's…

Has anyone got advice for dealing with claims. We’ve been given a quote for replacement kitchen for 9k inc labour oh and flooring. My estimate is coming in about 10k. I feel like I’m doing nothing but going back and forth. It’s not clear. I asked for cost breakdown of their offer but it comes back in meters squared with no…

Hi I'm trying to complete my details on the compare + I can't get the drop down menu to select - how many years driving what type of claim so can't continue any help apprecited

So my DD, a named driver on my DWs policy, had two incidents, a non-fault accident and then a fault accident. It is now my renewal and my DW is a named driver on my policy, my DD is not. When updating my DW driving record there is no way to differentiate the fact that it was my DD who had the accidents rather than my DW.…

I used to pay about £20-25 for annual travel insurance. Now the cheapest I can get it is £70 for a single trip (to the far east). I'm in by 40s and have some pre-existing conditions (that I had before too), and asked for them to be excluded. Tried the MSE comparison and a few other sites, tried Staysure. Is this really…

Here is a "helpful hint" from my Covea home insurance policy: Do not leave phones or other personal electrical devices charging overnight, and ensure that charging cables are purchased via manufacturer-approved stockists." Presumably, having professionally fitted electric vehicle charging stations is even more risky. Does…

We live in a 1950's semi. We are the homeowners. We purchased in 2013. A RICS homeowners report (survey) was issued at this time, clearly stating no signs of subsidence. Our house is number 23. We recently discovered the property adjoined via the party wall, house 21 is being investigated for subsidence. After doing some…

Hi I work full time and my wife works part time. We are both 41 years old and have one dependent, under 18. We are very fortunate that my salary covers our monthly experiences. We use my wife's income to make additional contributions to our pensions and to invest in a Stocks and Shares ISA. A few years ago we took out…

Afternoon all, Just thought I should share a tip for anyone with an RAC Breakdown family policy (while AA aren't offering cashback). Our policy auto-renewed at £480 and we'd foolishly missed the cooling off period by the time I spotted it on my statement. We've incurred a time-on-risk and admin fee of around £90 but, just…

I have received 2 emails from my current car (Rias} and home insurance (Sky) companies stating ‘they are unable to offer cover as you no longer meet our eligibility and/or acceptance criteria’. I have never made a claim on either insurance policy. I rang them and were told that the underwriters Aegis no longer cover my…

Hi everyone, I'm trying to understand how different UK car insurers ask about motoring convictions. I know that some insurers ask you to declare motoring convictions from the last 5 years, while others seem to ask only about current endorsements or convictions/penalty points from the last 3 years. I'm interested in hearing…

https://www.aviva.co.uk/dlg-partvii/?lid=3q0b86qn65j6&cmp=eml-eng-partvii-tx1-PVII/DL/PER/PHL My sister is with Direct Line and has just had notification about this transfer. (Sister's mail says this….. If your Direct Line policies listed below are in force at the time of the transfer (expected to be Dec 31st, 2026), they…

My parents were due to go on holiday tto Spain on the 8th July. However my dad was taken into hospital on 16th June, he was, after a few he was diagnosed with aggressive Lymphoma and the consultants decided not to give him treatment, he was 88, he was put on end of life palliative care and transferred to a care home where…

Hello All, I am buying a house which has a field attached. The boundary of the field, at the furthest point from the house, is a river. This river occasionally floods and water comes on to the field. This is highlighted in the flood risk portion of our "searches" as a "high" risk. The risk to the house itself is…