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Phoenix life changing whole life insurance rules?
My mum took out a whole life insurance policy in 1999 costing £31 a month with a £30,000 payout on death. Originally taken out with Cornhill but has been transferred to two companies since and now with Phoenix life. The original terms stated a set premium for the whole of the policy and a set payout of £30k on death or…
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Car Insurance
Hello I recently took out a car policy via an insurance broker for my sons first car. The quote that came back was a little higher than the lowest quote, but on the basis they are a well known company I agreed. As part of the insurance the estimated mileage was 10,000 miles. When I reviewed the online portal a couple of…
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Pet insurance claim at renewal date
Hi my dog was injured 1 week before insurance auto renewal. He has been receiving ICU care which has exceeded his £7000 limit. He now needs transferred to a different vet hospital to have spinal surgery on Thursday with a further quote of £6500. Will this go through as a new claim and would his next years £7000 allowance…
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Public Liability Insurance and ruined carpet....
Hello all I currently
have a Site Insurance Policy from Self-Build Zone UK, as I’m extending and refurbing
a house to live in. As part of this insurance,
I have Public Liability Insurance – do you know what this covers? I unfortunately managed to ruin a friends (or
ex-friends!) new carpet...will my public lability…
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patio door lock jammed in closed position-is this covered under home insurance
When I
closed my patio door, the lock jammed in locked position and I now cannot open
it. I understand from tradesman there is no guarantee of opening the door
without the risk of damaging it and could end up needing a new patio. As far as I am concerned this is an accidental damage. If I approach
my insurer at the outset…
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Company Supplied Car Insurance - Should employees have to pay insurance excess?
My wife works for a company that has recently changed to be an EOT "Employee Owned Trust". She is based from home and drives a company supplied car as part her job, which involves driving to different customers sites. Sometimes this could be five different customer locations (and car parks etc) per day and sometimes 100+…
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Car insurance zero voluntary excess
I changed the voluntary excess from £250 to £0 while getting a car insurance quote and the quote price didn't change at all. It says £0 voluntary excess on the policy documents. Can they go back on that if I make a claim? The compulsory excess is also £0. Any thoughts appreciated.
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Home Insurance
Hi, hope you’re well. I am in the process of making a claim and originally the insurer was happy to pay out. During the call they mentioned that after checking my previous claims (previous supplier) one of the claim dates were incorrect. they said before they can proceed they need to reconfirm with the underwriters, is…
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Home/Contents renewal question.
Hi All, Currently on the annual merry go round looking for serious quotes that don’t have me rolling about laughing. This one question when inputting quote info always has me wondering whether to answer yes or no. This question is the one about how far is the property from a stream/river/lake etc. The boundary fence of my…
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Personal Injury - Success Fees and ATE
Hi, not sure whether this is the right home for this thread but I can't seem to find a better place. I had an accident earlier this year (got run over by a runaway vehicle in a public park). Solicitors are keen to take the case but I have struggled to find anyone that I can speak to on anything but a No Win No Fee…
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Car Insurance renewal
due 8/3. Following Martins advice to compare pre-renewal, should I be doing this now (30 days), or in 23 days time? As I have not yet had the renewal, I don't know the price of it. Should I take a flyer and pay the 'best' price now, in advance, or wait. TIA
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Esure told me I was insured when I wasn't.
Yesterday I bought a new car. Before leaving the garage where I bought it, I spoket to an agent at esure via webchat who told me she had changed the insurance over to the new car.I asked how I would get confirmation and she told me by email. I drove the car 40 miles to get home. This morning, I still hadn't received an…
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Who provides breakdown assitance for Flow by Allianz
As the title, Im wondering who provides the breakdown cover or who would come out to recover you ? I know Allianz is part of Liverpool Victoria so maybe they use Britannia Rescue Thanks
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Neighbour drain repairs
I have water coming in to my cellar where my kitchen is. Significant damage to the kitchen and walls. A tracing agent shows it is coming from the drain pipe serving the adjacent property. That property is tenanted and up for sale. Asked the agent to pass on my details to the owner but got no response. Land registry gives…
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257% increase in Home Insurance renewal price
Axa sent me an email yesterday to the effect that my renewal (on exactly the same terms conditions and limits) would rise from £307 to just shy of £1094. Fortunately I don't have auto-renewal
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Simply Business Modus Landlord Insurance
Hi, I did some searches and Modus insurance (via Simply Business) has the best price and cover for my needs. There is, however, very little on Modus insurance online so I am wary. The alternative would be Direct Line, but they have less cover for the same price. Has anybody had any experience, good or bad, with Modus,…
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Question
Hello, my husband worked for BAT Africa, India and Malaysia. Also, Transcontinental Singapore and Sampoerna Indonesia more than 10 years ago. He has not received any compensation for working with Tobacco. What, if anything, would he be entitled to? Thank you.
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Income protection
My husband had a serious accident 2 months ago and has sustained injuries that sadly mean he will very likely not be able to work again. He was the main earner. I am now going to be the family’s main source of income. Any savings we have will need to supplement my husband’s lost income to help me pay the mortgage until it…
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Over 50's Life insurance
HI What is stopping me getting "normal" life insurance instead of over 50's? I am 57 and no mortgage etc. Thanks
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Share of freehold buildings insurance
Hi All, I live in a flat in a converted Victorian house in London and there is one other flat downstairs. We are joint freeholders in the building and buy the annual buildings insurance jointly. This year for some reason the premiums have gone up hugely, last year we paid £230 for the buildings for the whole house and this…