Insurance & life assurance

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…

I receive my motor insurance fully comprehensive renewal price from AXA today It has increased from £470 to £1130 which I find exorbitant. I did have a claim the first one in 20 years.The incident was my fault no one else involved no injuries. I do have a protected no claims written into my policy. So how can they justify…

Does anyone else have experience of trying to do the right thing with Avanti travel insurance by trying to report minor changes to their health record but struggling to get an agent to understand what it is you're reporting. I spent 40 minutes on a chat and then 30 minutes on hold on the phone with an agent who couldn't…

Hi all newbie here, I am looking for some advise if possible please, I have been diagnosed with severe and profound hearing loss. I have been put on the cochlear implant waiting list and was wondering if I should claim on my critical illness policy. The wording is a little vague and was hoping maybe someone has previous…

I had been happy for several years with the home insurance cover I had with one company (Company A). However, in 2024 they didn't want to insure me any more because they had stopped covering homes with oil-fired central heating. So, I found another company (Company B) and have used them for the last two years, although the…

I am considering getting health insurance as I've seen too many of my friends and family wait absolutely ages for healthcare on the NHS. I am in the middle of getting a Mortage. I have the mortgage offer, but the exchange and contracts etc are still ages away and I'm away the bank will do another check then. With car…

I was in a crash in Jan, My solicitors have managed to agree a settlement with the 3rd party as of the 14th July. I was given an "interim" payment of £741 on the 17th July. They still owe £4,156. The letter said the rest would follow shortly. I have been trying to find online people talking about what sort of time frames…

I've been with Ticker for almost 3 years now. They have been my only insurer to date. I have moved house multiple times, and had no issue changing address, however this time they are telling me that to change my address via their 'in app chat' i have to pay a £15 fee, or by phone its £30. There is no other way to change my…

HI, I have 7 year no claims, had a accident in 2024 both fault. My cars golf 2011 1.4L. But I'm getting quotes of £900. Anyone recommand any providers? It would mean a lot. Thanks.

I've just been on a travel insurance comparison website and compared single trip vs annual. Using exactly the same data I was quoted £379 for a single trip and £109 for an annual multitrip. This doesn't make any sense to me. I declared depression/anxiety and high cholesterol on both quotes. The trip is 25 days in Thailand.…

My (now late) Mum had pet insurance with Tesco. Her cat is 14 years old. The only claim she made was earlier in 2026 when the vet wanted to carry out a blood test. The cat is undergoing no continued treatment or check-ups. The premium for 2025-6 was £233. The renewal price quoted for 2026-7 saw a rise of 100% to £466. At…

HI, We have an issue with a neighbour who has invasive bamboo in their garden which has spread into our garden. We have been chatting to them to try to find a resolution and they are making moves to get some quotes but things are progressing slowly. As this has been going on for a while, we're inclined to go through our…

Recently my mum died and her house came to me my daughter lives in the house what type of building and contents insurance do i need