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Insurance & life assurance

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

Alloy wheels
I'm thinking of having my scuffed alloy wheels refurbished like for like. Do I need to declare this to my car insurance company
Insurance renewal.,
My 92 year old mum has building insurance from saga. She has a claim for cracks caused by building movement, which the company have agreed, and she is awaiting the work to be completed by their approved company. So the claim is settled, but the work not completed yet. Her insurance renewal is due in September. The annual…
New build upgrades
Afternoon I'm in the process of buying a new build. We've added about 30k of extras and have to pay a 25% non refundable deposit. I would like to know if there are insurance companies that will cover the deposit cost should the chain fall through. Thanks
Car insurance - will be cancelled as you havent provided required documents
Hi all, Just wondering if anyone else has had similar issues with the car insurance companies recently? Im sick of (insurance companies in general..but psb) A: waiting on the phone for over an hour at a time to get through to an agent... they presumably dont have enough staff to do the call centre work. (Several of the…
Claim from a cyclist on the pavement impacting my car…
Hello - I had an incident with a cyclist on what I think was an Electric Bike approximately 9 months ago, which I felt I was not liable for. I initially suspected it was a scam and subsequently reported to the police when I returned home - the cyclist demanded payment for the damage to his bike and requested that I take…
Home insurance on prospective property
Just had back our local searches and the flood risk for surface water is "signifcant", looking at the map this appears to be 1 tiny little square right at the back of the garden and well clear of the house which has a negligible flood risk. I have run some insurance quotes and nothing look out of the ordinary, is this…
Cosmetic insurance won’t pay
Hi everyone, I am hoping someone can help me. I went abroad for surgery and need revision. I bought insurance from medical shield and they want a letter from my Dr basically agreeing I need revision. My Drs will not do me one , the insurers say I can use any Dr but how do I go about doing that, I have tried a few private…
Car insurance letting insurance lapse
My car insurance will expire in a few weeks. As I will not be using my car for a few months I am considering not renewing my insurance until October. I will of course Sorn the car until then. Will I be penalised when I shop for a new car insurance in October for not having a car insurance in place? Will my 10 year no claim…
Can my neighbour sue his neighbour for insurance excess caused by negligence.
A mutual neighbour (Mr A) lit a fire in a bin in the garden on a windy day last week and walked away. The result was 2 fire engines, next door neighbours (Mrs B) shed written off including myriad contents, another neighbours (Mr C) summer house substantial damage and some trees set on fire. All neighbours claiming on their…
Can current car insurance provider blacklist my car reg from price comparision site?
my car insurance is up for renewal in 24 days. Yesterday I used the MSE price comparision tool and then tried a few other price comparision sites via topcashback to make sure. I also contacted my current insurers, who happened to be the cheapest on the comparison sites, as the sites were showing cheaper than the renewal…
Saga home insurance renewal problem
My elderly mother is having trouble with Saga home insurance. It all started when she suddenly discovered a huge amount of money leaving her bank account at the beginning of last month. She doesn't get a full pension, so she keeps a close eye on every penny. This was quite a shock for her but her bank was able to stop the…
Insurance - how can I be covered?
Hi all, We moved out of our address in Scotland last week. Our address was covered by home and contents insurance and still is whilst I sort out changes of address. However, 2 days after the new owners moved in, they ran the bath. When they pulled the plug out it leaked and came through the kitchen ceiling. We aren’t…
Help please for my mum
Just found out my mum and dad have been paying £121 a month on life insurance and have now paid around £20k in on a policy that will pay out £12k on the death of the first one of them. My dad is now in a care home and my mum is on her own and struggling to find the money each month. The company is legal and General and…
Home insurance on prospective property
Just had back our local searches and the flood risk for surface water is "signifcant", looking at the map this appears to be 1 tiny little square right at the back of the garden and well clear of the house which has a negligible flood risk. I have run some insurance quotes and nothing look out of the ordinary, is this…
Notice of Intended Prosecution just before renewal
Hi I'm not looking for any sympathy or loop holes to get out of things, but just really not sure on what I have to do. My insurance is up for renewal, I ideally want to renew over the next day or two for optimal price (~20 days before renewal), yesterday I received a "Notice of Intended Prosecution" (NIP) for doing 56 in a…
No claims bonus transfer from policy holder to named driver
At the moment my husband is the policy holder and i am a named driver. We have 10 years NCB discount. I have been driving the car more recently more than him and when it comes to renewal i feel its right to get the policy in my name and him as the named driver. If we do this would we end up losing the 10 years NCB we've…
Buildings/contents Insurance
I own a large property which my husband and I bought to redevelop into flats to sell on. He is now out of the picture but I wish to continue living in the house. My problem is that it has nine bedrooms, and online insurers don't touch anything larger than 5 bedrooms. Annoyingly, they let you get all the way through the…
Urgent Query - A) Building Insurance & B) Vacant Property Insurance
Good afternoon! I am shortly to exchange contracts on the purchase of a house and am therefore quite pressed. The Property will require some significant refurbishment etc, and it is likely I'll not be suitably positioned to move in there perhaps for a matter of months. My Conveyancer suggested taking out both the above…
When does car insurance pay out?
My lodgers car was written off in an accident 5 weeks ago and valuation and condition agreed within 4 days. She borrowed money from her family to buy another so now she's upset that she still hasn't received payment from her insurance to refund them. How long does it usually take? Also, she has insured her new car with the…
Annual Travel Insurance (consecutive policies?)
Do annual policies have to be consecutive with no gaps? I have an annual policy that ends on 2nd September 2024. In June 2024 I booked a trip abroad in Jan 2025 and in July 2024 I booked a trip abroad starting on 12th Sept 2024. Both trips were booked whilst having an active travel insurance policy that ended on 2nd Sept…

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MSE News

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.
Which NatWest and RBS branches are closing from 2025? Here's the full list – and banking alternatives
NatWest and Royal Bank of Scotland (RBS), which are both part of the NatWest Group, will shut at least 108 of their bank branches in 2025 and beyond, after the Group announced a further 52 NatWest closures.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
Winter Fuel Payments will be reinstated to all pensioners in England and Wales this winter – but will be clawed back automatically from those earning over £35,000 a year, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up. MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis.
Car finance mis-selling update: regulator prepares for compensation scheme – and warns against using claims firms
Payouts for mis-sold car finance could be another step closer as the financial regulator has set out the factors it will consider if it were to introduce an industry-wide redress scheme – though we won't know more about how this will work until after a key Supreme Court decision expected in July. In the meantime, the regulator has warned that you DON'T need to sign up with a claims firm to be included.
Winter Fuel Payments to be extended to pensioners earning £35,000 or less – here's what we know so far
Winter Fuel Payments will be extended to all pensioners with incomes of £35,000 or less this winter, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up.
Winter Fuel Payments extension confirmed for this winter – watch Martin Lewis' instant response and his message to the Chancellor
Winter Fuel Payments will be extended to more pensioners this winter – though not to everyone – the Chancellor has today confirmed. However, exact details of who will now qualify still remain scant. Watch MoneySavingExpert.com founder Martin Lewis give his instant response, as well as his key message for Rachel Reeves.
Nationwide Fairer Share: Free £100 bonus confirmed for 2025 – here's who will get it
If you bank with Nationwide, you could get a free £100 paid into your account in June or July as part of the building society's 'Fairer Share' scheme. The bonus will be paid to millions of its current account customers who also have savings or a mortgage with it.
Forced onto a prepay energy meter? You may be due money back as 10,000s to be compensated
If you had an energy prepayment meter forcibly installed or your smart meter was remotely switched to prepay mode without your permission, you could be entitled to compensation of up to £1,000 and may even be eligible to have your energy debts written off.

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Insurance & life assurance

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