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GoSkippy Car insurance cancellation, challenge high broker fees
Hi all, Just cancelled my car insurance mid term as I've found a cheaper deal elsewhere. Go skippy claimed on their website it would be a £75 fee to do so. Now that I've cancelled it though they've partially refunded me what was left to pay on the credit agreement they're charging a nearly £200 pound broker fee. Is that…
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Halifax Home Insurance renewal won't haggle?
We've just got our Halifax home insurance renewal and it's gone up 50%! (We've never had a home insurance claim, ever. In 20 years.) I followed Martin's steps and got alternative quotes and I can find 30 cheaper ones but I find it impossible to know the quality of those insurers. (if I have to make a claim, is it going to…
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Insurance Cover: Subsidence Claim in process or settled by RSA (Morethan, Nationwide etc)
Some thoughts for you. RSA is in the process of pulling out of the domestic home insurance market. The usual Industry-wide agreement is, that after a Subsidence Claim the Insurer who Approved of and Carried-out the repairs, should continue cover both during the Claim and afterwards. This is considered Good Practice within…
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Reclaiming excess from other parties insurer - Aviva
I was involved in a car accident in May 24 which was deemed to be partial fault by Esure (my insurer) and Aviva (the other party's insurer). Unfortunately, I didn't have motor legal cover so Esure told me I had to go directly to Aviva to get a refund for my excess. I've been chasing Aviva for over 4 months and the…
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Convicted driver TT99, driving a DB7
I’m wondering if anyone has advice for the above. My previous insurance was 700 and now I’m being quoted 5k!
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Critical life insurance
My wife has recently been diagnosed with MS. We have critical life insurance cover and we have recently remortgaged and advised we should draw down on the critical insurance cover. I have had searched but can advise me if there are any reasons why not to ‘cash in’ on the cover and wait? Thanks in advance
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Overseas LIfe Assurance
I have a policy which was sold to me as a "pension" whilst working overseas more than 20 years ago. It was a monthly contribution scheme, which I stopped payments into once I returned to the UK permanently in the 90's. I have left this untouched since, until now. I know that the company concerned reports information to…
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Car accident 16 months on, feel lost
16 months ago I was hit by someone turning in the wrong lane out of a side lane hitting me passenger side, causing me to spin then to hit into trees. The driver immediately admitted fault. I have record of all my injuries which have also prevented me from having treatments for genetic blood disorder. Since this accident my…
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Reverse Life Insurance?
Hello, does anyone know of a ‘alternative life insurance’ which pays out if you are still alive in say 20 years time at 80, or even 30 years time at 90. The idea being that I could spend more money now, because I did not need to allow for post 90 expenses?
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Does an cancelled car insurance 'holding claim' need to be disclosed ?
Hi all- Long story short, last February I was driving down a road with double-parked cars and my wife said that I had clipped the wing mirror of a parked car. There was a noise but it may have been me driving over something. So, even though I was 99.9% sure I hadn't hit a car, as it was on her side of the car, I stopped…
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specialised building and contents or not?
As we all know prices have been rising. I have renewnal via a broker I use. Its £320 that includes admin fee and legal cover. My reason for a broker is that I have tree that is approx 5m's from the house. And it seems very few companies seem to cover you for that. The question is do I need specialised cover will any old…
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Personal Injury Advice Please
I was hit by a car travelling at high speed while walking across a road as a pedestrian. This was early October. Was taken to a major trauma hospital with many broken bones, open fractures, dislocated joints and lots of bruising. Had surgery including metal plates and screws to repair some of the injuries but it is unclear…
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Any insurers count car sharing membership toward No Claims Discount?
Hello, I have have not owned a car for 20 years but have been driving regularly since 2012 with car sharing company Zipcar, and before that with its predecessor Street Car. Does anyone know of any car insurance companies that would count that clean driving history toward NCD? I just purchased a car and was shocked by the…
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Cashback on over 50s life policy? - do they pay it?
I cannot get Term life insurance at present so, for now, want an over 50s guaranteed insurance. Having found a good offer from SunLife, with a gift card of £140, I now want to try and get cashback too. On Topcashback, the broker, REASSURED offer £120 cashback on an £18pm premium. It doesn't specify that it has to be any…
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Is my freeholder being reasonable?
Hi - I live in the first floor flat of a Victorian Conversion. My freeholder owns the downstairs flat and rents it out. I've looked at the buildings insurance schedule and I've been charged 50% - but in the schedule there's insurance for things like "commercial loss of rent" and "business interruption". But that's surely…
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Disabling auto renew feature 'locks in' higher premium
Auto renewal might be convenient for some but it might put you at a serious disadvantage depending on how and when you try to extricate yourself from it. I got notified of expiry of my existing policy 4 weeks out. But when I tried to use my on-line account to disable auto renewal, the option was no longer accessible. The…
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Same company - online quote significantly cheaper than renewal. Can I take it?
As the title says. It's HomeProtect, renewal due tomorrow. Can I take the online quote and cancel the renewal??? We're talking between £300 and £600 cheaper than the renewal price here - not £50 here or there. As much as anything, it's been really easy to tweak my quote using their online system (change items covered,…
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Travel insurance claim
I submitted a travel insurance claim almost 4 weeks ago and have absolutely no communication at all other that the generic, thanks for your claim and that I should hear in 14 days. My policy is with AllClear and the claim has gone to Reactive Claims. Over chat last week AllClear told me they would escalate it and to get…
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Home insurance Notification Claim
Having just gone out for quote on my home insurance I have been surprised to learn there is a claim on the database from June '23. Having not made any claims on my home insurance ever, I had not factored this in when obtaining insurance quotes. After a bit more digging with Hastings and AXA I have found out that a…
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Indemnity Insurance
Hello, We are looking to purchase a house which has had to have an indemnity insurance put in place by the sellers due to non-regulated building regs and the partial covering of a mains sewerage pipe. My concern is that if we want to do any future works to the house, it will obviously invalidate the insurance if revealed…
