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Home Emergency & Legal Cover - Be Aware
Having noticed a small damp spot on my living room ceiling, I contacted Admiral Home Emergency. They were unable to help as the issue had to be tracked and traced before they would assign a plumber. They wouldn't do the track and trace, however I later learnt my cover included track and trace. What I have also learnt is…
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Car Insurance Claim - Insurance company being difficult
Hi all, I was wondering if anybody could please advise or if anyone has been in a similar situation. My car (which is a fairly new car) was stolen of my driveway in broad day light between 1.35pm - 1.50pm last month. At the time the car was locked and i was in possesion of the key. I did leave my phone in my car…
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Loss Adjuster offer question
Equipment was stolen from my business premises and I made a claim to my insurance company. I was eventually made an offer of full payout by their loss adjuster, which I accepted in writing and by telephone and supplied my bank details for payment. Four weeks later the insurance company rejected my claim. Is this legal? I…
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Insurance whilst in between homes
Hi. We sold our house last week and the majority of our possessions are now in storage and insured. We are due to complete on our new home in September and are staying with friends / family / holidays / air b n bs in between. We have all our high value items with us and I'm concerned that they aren't insured but don't know…
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Home Insurance Question - help please
We are a vulnerable family with a disabled child so to get some support, employed a cleaning company. Unfortunately we have had items, including jewellery, stolen by our cleaner and the insurance company has refused to let us put a claim in saying we are not covered because they exclude cover for any form of theft by…
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Travel insurance with pre-existing cinditions
Buying travel insurance and declaring my pre existing conditions. Do I have the option to exclude my preexisting conditions by not paying the additional,premiums? I will declare the, but do not want to pay high premium as am stable. I know it is a risk I am taking. Thanks
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Insurer cutting renewal price substantially - are there any regulations?
Car insurer sent renewal quote at about £90 more than last year - I call them and they instantly drop it to about £40 more. I realise this is the usual game we play but is there any regulation that can or is proposed to actually quote the 'customer called' figure? Their lower quote is now uncompetitive as others coming in…
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Claiming on home insurance
We have discovered a water leak that is causing damage and will need to claim on home insurance policy. However, our existing policy is due to end on 19th August and we have already taken the renewal with a different company. So am wondering should we put in claim now with old policy or just wait till after 19th and claim…
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Inheritance tax form IHT419 'Liabilities related to an insurance policy'
Hello forum members. I am struggling with what I think is a simple concept. I am completing an IHT400 form for my late Mum, but I can't get my head around a section of IHT419 'Liabilities related to an insurance policy'. Can someone give me a simple example of two of what that might be, please? I'm probably mentally…
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Home insurance - declaring bankruptcy from 2006 for a quote in 2024?
Hi everyone, Wondering if you can help me please. I need to renew our home insurance, and in 2006 my husband was bankrupt. I know this is removed from his record as it was so long ago, however when applying for home insurance, the damn question "has anyone ever been bankrupt" i have to tick yes don't I? Otherwise they'd…
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Car insurance renewal query
Tha cheapest renewal price for my car insurance is through my automatically generated renewing with my current provider. I bought this policy through a comparison site 2 years ago, they offer £250 free excess cover. Will I still get this benefit if I renew direct with my current provider? The comparison site has not…
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Travel insurance expires before trip.
Going abroad in September but my travel insurance expires in August, at which time I have to change insurance company. My question is, if I have to cancel before my existing policy expires, will my present insurance company pay out, even though my policy with them will have expired before trip time? Thank you in advance…
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Car insurance renewal query
The cheapest renewal price for my car insurance is through my automatically generated renewing with my current provider. I bought this policy through a comparison site 2 years ago, they offer £250 free excess cover. Will I still get this benefit if I renew direct with my current provider? The comparison site has not…
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Do I need to declare a roofbox to my car insurers (Admiral)?
Hi, Do I need to declare a roofbox to my car insurers (Admiral)? Couldn't see roofbox among the modifications you can declare on their website. Closest I can see is Lockable Toolbox, but that's not it. I rang and the lady said no, I don't need to declare it. I asked if she could send an email confirming this but, guess…
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Hastings insurance trying to charge me for nothing
I recently took out a new policy with Hastings Direct, scheduled to begin next month, with the payment due in a few weeks. Since obtaining the policy, I was involved in a non-fault accident, and the other party’s insurance has accepted full liability. I informed Hastings Direct about this incident via email. They responded…
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Third parties insurers harassment
I wrote on here a week or so ago about how I hadn’t heard from my solicitor in months following RTA claim. I wondered if I should contact the third party insurers to speed things up but decided against that. Anyway I get the most random two emails from third party insurers stating how because I’m responsible for the…
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excessive holiday insurance costs
why are we charged so much for travel insurance for what are now everyday conditions for example cholesterol and blood pressure surely if i know about these and are under control with medications i must be less of a risk than someone who does not go to to a doctor for regular checkups and does not know of any potential…
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House Insurance warning
I had a bad experience today that concerned
me, whilst renewing my buildings and contents insurance. I always try to do the
right thing and of course, be completely honest in everything. 4 years ago I
was insured with the _______ and during the 12 months period of cover, I
discovered water seeping through my bedroom…
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Private road sewer and water pipe insurance
Hi, we live on a private road with 8 other houses which were built between 2013 and 2016. The 9 houses feed into a private sewer under the the private road, before connecting in to the public sewer, at the bottom Some of the houses have their external stop cocks and water meter combined in the pavement, and are located up…
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Car insurance fault/non fault claim
My car was hit whilst parked outside my house at 3am in the morning by an uninsured driver. The vehicle had false plates and was abandoned a few hundred metres up the road and the driver absconded. The police have now advised that they have ascertained the vehicles real registration and it was not registered to anyone so…
