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Please help- home insurance delays in reimbursing for hotel and will soon cause financial hardship
Hello everyone We had a leak in our bathroom which means it is unusable. As we don't have a second toilet the insurance advised us to book a hotel "in the short term" and to send them receipts. I am having an absolute nightmare now getting this money back, they have paid us back the first 7 days of £700 and I am waiting…
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Boiler Insurance v Boiler Guarantee/??
Hi all, Thought I would post here for a little advice. We have just recently had our (very) old boiler replaced with a new one - literally on Monday. :) When the chap installed it he said register it and you get the manufacturers guarantee free provided you do it within 30 days of installation. I have done this - but my…
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Travel Insurance Claim - stuck between insurer and GP
Dear all I bought travel insurance last year (Saga) and then booked a holiday the following day. The insurance asked me to declare if I had any treatment for cancer in the last 5 years – to which I answered no as I was diagnosed and treated 9 years ago. Sadly in December I started to feel ill again and started the process…
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2.5 years and still waiting
Hi My partner had a motorcycle accident in October 2021. The car driver immediately accepted responsibility - confirmed by insurance company's solicitor, Carpenters. Partner received a loan bike straight away and then a reasonable pay out to replace his bike in January 2022. Luckily, despite it being an impact at speed, my…
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best way to get cheapest car insurance quotes?
Using MSE's car insurance tool for the first time. I have 24 days to go until renewal so I know this is a good time (20-27 days). Should I wait and get further quotes over the next few days (up until 20 days till renewal) to see if they get cheaper, or will I have lost today's quotes by then? Bit confused (.com). Thanks.
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Rent insurance for tenancy guarantors (or tenants)
I will soon be standing as guarantor for my daughter as a tenant in a rental property. Can I take out insurance to cover the rent in the event that she loses income (through redundancy, serious illness etc)? Or would a policy of that sort need to be taken out by her as tenant rather than by me as guarantor? Either way,…
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Insurer's contractor damaged my drive - how to approach this?
I have a claim open with my home insurer for subsidence which has caused some minor cracking in the brick to one of the corners of my home. As part of the rectification work, the insurer instructed their contractors to undertake some repairs to the drains. This involved replacing gullies, rebenching a manhole and patching…
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GROUP INCOME PROTECTION
Hello friends. I am on income protection for the past one year. I had my review with the consultant and he believes that everything is fine, but im not still not feeling well and the doctor is saying it could be some other reason.
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Death in Service and Life Insurance
Hi all, Myself and my partner recently bought a house and I was looking into life insurance to cover the mortgage as I am 53 and my partner is 50 so want us to be covered. We both have death in service cover in our respective jobs os my question is do we need life insurance as well or would this death in service payment be…
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Car Breakdown Cover for 17 year old
My son is 17, he has his own car registered in his name and I'd like him to have some breakdown cover. When researching online most companies seem to refuse policy holders under 18, while at the same time mandate that the policy holder be the registered owner of the car being covered. Is he not allowed to have breakdown…
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Hastings Direct "broken" policy
Hi All, I've had an unfortunate few months which has resulted in an issue with Hastings Direct that I'd like to get some input on. I'll try and keep it as brief as I can. On April 26th this year I was rear ended in a queue of traffic in Bristol. No major damage was done but I reported it to Hastings Direct anyway and the…
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Car Insurance - Quote difference between husband and wife
Two car household, both my husband and I are an owner and policy holder for each of the cars. My car is being traded in for a new vehicle, collecting this Friday. It’s an EV so was expecting a hike in premium. What I wasn’t expecting was for my quote to be £230 more expensive than my husbands quote. All details exactly the…
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Car insurance renewal - not sure if should change details
From the outset, I wont be naming the company in question, nor quoting the exact amounts or miles below. In September 2023 I used a comparison site to buy car insurance and I made it VERY CLEAR on the drop downs that it was a lease car. I ended up buying with Company X for, lets say £500. A few days ago I have had my…
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British Gas call out - add to renewal?
Hello. I am renewing my landlord insurance and am wondering whether I need to include a callout from British Gas as part of my homecare agreement. Directline have said it may not have been classed as a claim and suggested asking British Gas if they would class it as a claim but they have said they don't know the answer!…
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Home insurance direct v via broker
My household insurance is due for renewal at the end of the week. The premium is breath taking but reflects the high rebuild cost and listed nature of the building. Two brokers (who specialise in high value property insurance) have tried to find alternative cover but have failed to find another company willing to quote. I…
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Over 80 life insurance
20 years ago, my husband took out a 10-year life policy for £60,000. At the end of the term, the continuing payments of £40+ per month on a new policy assured a sum of £30,000. Nearing the end of the policy and having reached his 80th birthday, our present provider offers a whole life policy, with premiums of £40 pm up to…
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Water damage and rewiring
Currently going through a home insurance claim for escape of water. There has been a great deal of damage, including to the cupboard that contains the fuse box for the house; the ceilings and therefore light fixtures; and the walls which have plug points and sockets on them. The house has had an EICR which states that the…
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Zurich life insurance
We’ve recently lost my FIL who had a whole life plan with Zurich and a guaranteed sum of 20,000. Zurich are now claiming they will only pay out 11,000 to my widowed MIL. We’ve had no explanation despite asking and just keep receiving communication that’s states “our position hasn’t changed” she’s grieving and stressing…
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House Insurance
Has the price sky rocketed this year? End terrace house modest area and belongings, comparison sites quoting £400+ sure it wasn't this much last year!
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House Insurance - 'Flooding' increasing premium
I'm
wondering if anyone is able to help please. I'm currently pricing up quotes for my home insurance and due to previous
'flooding' at the property I own, I'm getting quotes back for three times the
amount I would if the property hadn't experienced this. According to the insurance companies a flood occurred at the…
