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VAT on insurance?
Hi I work for a well known delivery firm on a self employed basis. We are subject to paying 20% vat on insurance premiums if we lease a vehicle through them. I can't find anywhere that says we should be getting charged vat, and instead it should just be ipt at a rate of 12%. Am I right in thinking what they are doing is…
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Insurance claim
My mother passed away and we discovered a leak that had ruined lounge carpet. there was no problem with that being replaced by LV but it has been fitted badly join in centre and does not go up to skirtings. I had independent carpet person from checker trade view and took pictures and comments were that it was badly fitted…
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Priivate mediical Insurance
Hi all, recommendations for PMI providers please, I have unexplained weight loss which the NHS have investigated but reluctant to carry out expensive tests, anway I want them done sooner rather than later, TIA
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provisional cover to full cover
Hi there, Son has bought a car and wants to insure it so he can practice leading up to his test (a month away) Is there a way to tell how much the hike will be in his insurance costs once he passes? I cant find any info on this. We are looking to put me as the main driver and him as an additional for the 1st year which…
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Car insurance on commercial vehicle for private individual
We have had our “truck” insured with Privilege for the last few years as they have been the only insurer we have found who can offer insurance on a vehicle classed as a van, to me as a private individual. Are there others? Really want to make sure we are getting a good deal by comparing cost.
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Cash settlement
My insurer asked if I could provide an weblink to replace an item. I was unable to find this but sent 2x quotes from 2 contractors. The insurance company agreed to pay a cash settlement for the lower of the 2 quotes. But now I am unable to contact that contractor. Am I obliged to use this contractor? Or can I go elsewhere…
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Car Insurance Check
Hi, I'm curious how car insurance works when you insure the car with a driver who can drive multiple vehicles. I am insured on my and other halves car and both our policies permit we can drive another persons vehicle with their permission - reasonably straight forward. But if I were to drive someone else vehicle who…
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Claim Against Me For Vehicle Diminution
A few months ago I was involved in a very, very minor vehicle accident that was my fault caused when I reversed out of a parking space at what must've been less than 5mph and bumped/scraped the wing and bumper of a car right behind me but barely a scfatch on my car. I swapped details with the other party and we were both…
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Getting the Quote
I'm on Confused and Moneysupermarket for a quote. Would we consider the lowest quotes (reliable Cos like Darwin and LV=) 'cheap' quotes? Their prices means I hold my cost to last years price. Very tempting.
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Total loss questions
Hello all you knowledgeable people, I hope you can help. a few weeks ago my husband was hit in the rear by a company vehicle, no liability disputed, we went directly through third party insurers and had the vehicle inspected. The damage is a dent to the bumper and scratched boot lid so still drivable. TP insurers deemed a…
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Letter of redemption and discounts
I've received an voucher letter of redemption for an bike which got damaged in a fire. But id like to purchase a bike which is currently on offer for 600 saving 150. Using the voucher as part payment. But the terms have this I guess the original value of the bike will be 750 not the current discount of 600? So if I use the…
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Cancelling car insurance
Hi All, I recently took out car insurance using the tool on this site as it was a far cheaper quote. I paid the deposit, then a few days later Be Wiser sent me a text message to call them immediately which I did. When I called them they said the price was going up due to a no fault incident I had where no claim was made by…
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Virgin Pension Complaint
My late husband had a Virgin Pension account. I have spoken on the telephone to the bereavement department on numerous occasions. The first set of forms they said they would send out to me were not delivered. I have since had 2 more sets of form sent out, and both were returned complete with death certificates . There…
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Claim on my car insurance while my wife was driving
A couple of months ago my wife was driving my car and had a slight bump, no damage to my car but other party claimed. My wife is a named driver on my policy so I am wondering when my insurance is up for renewal do I still have full no claims as I didn't claim?
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Am I liable to pay without a credit agreement?
Hi any help gratefully received The question is - am I liable for this? It's a year tomorrow that I gave instructions to renew my house insurance and only a week ago the broker let me know that there had been no credit agreement or DDs taken. I give the insurance broker instructions to renew and paid an admin fee, but the…
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Protected no claims discount
My car insurer has increased my renewal premium by 280%. I have made one claim in the preceding year and have maximum protected no claims discount. The insurer refuses to disclose the discount applied to the renewal premium. This seems grossly unfair since I have paid for the discount protection. Surely I have the right to…
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Comprehensive Cover on a Hire Car
Does anybody know any short-term insurers offering comprehensive coverage for a hired car? I need it for my wife as we have a courtesy car for around a month due to our insured vehicle being repaired. She has less than 12 months on her UK licence as she only recently passed in the UK, but she has held a licence in the USA…
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Am I covered? Courtesy car
Hi all So, hopefully, this is not too complicated, but here goes. - Broke down in France in my VW Tiguan My wife and I returned to the UK on Eurostar - Car is under service plan, which includes extended warranty and recovery (including Europe) The car is currently in the French VW Dealership but will be towed to the UK VW…
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Do I need to inform car insurance after license back following medical revocation?
My car insurance company is an online only broker and I'm having issues trying to speak to an actual person and not a chatbot. I've had confirmation from DVLA that my driving license is being reissued following a medical revocation. Do I need to inform my car insurance company or can I simply start driving? Thanks alll
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Car Finance Claim
undisclosed.co.uk Car Finance Claim is it scam or not? :/
