Insurance & life assurance

No fault car accident October 2024….Hit from behind. I had a number of complications which were confirmed in a Medical Inspection shortly after the accident. Months later I got an email from my Insurance saying the guilty partys insurance were offering me £4000 for the damages. I rejected the offer explaining that I didnt…

I have contents insurance from LV which only includes limited accidental damage cover (for tv’s, laptops etc). I can add full accidental damage cover but I’m not sure if it’s worth it. It increases the premium significantly. I had always thought that accidental damage was things like spilling red wine on the carpet or…

Hi folks, We've just written a new guide - Haggle with RAC, AA & more - please take a look and we would love to hear your feedback and successes. Thanks, MSE Rebecca

Just before Christmas my car was in a designated parking space and a drunk driver crashed into it. In fact she crashed into several cars and shunted them all together. The police came and hauled her off My insurance paid for a hire car and for my car to be repaired. So far so good The problem is the defendants insurance…

I have an ongoing personal injury claim being dealt with a solicitors and they have just notified me that they are pulling out of that market and advise me that they can introduce me to another insurance firm. What should I be aware of? Copy of letter read's as follow's Dear [Removed by Forum Team] I am writing to share an…

Hi all, Hoping someone can give some guidance or advise. I own the ground floor flat of a converted house. There is another flat up stairs under its own leasehold owed by someone else. I also own freehold for whole property. I find it very hard to get buildings insurance (my responsibilty as freeholder). When I approach a…

I was flabbergasted to hear from a sibling today re their car repair, but should not have been, as I've heard about people waiting to get cars repaired/fixed and months to get a part/s in. It was a clear-cut, third-party-fault accident 5/6 weeks ago. They were waiting at the roundabout for a gap, as was the little car…

Hi I’m a newbie and this is my first post so apologies if I get anything wrong please be gentle! Also sorry it’s a long one… My 19 yr old son was involved in a non fault RTA on March 20th. All on dashcam and not disputed by other driver. All done through other drivers insurance (Hastings) and initially seemed fine - they…

Hi, We have a Victorian house split into several flats each with a share of freehold. The buildings insurance covers the whole building and the policy is in the name of the freehold company. Can anyone with a similar set up advise on who they’ve managed to get the cheapest prices for buildings insurance from? And are there…

I've recently taken out a new contents insurance policy with Nationwide / Aviva. I noticed in the policy that any claim requires evidence (receipts, photos etc.) I owned the item being claimed. I won't have receipts for the majority of items I've bought over the years. I can take photos of some items. How picky will the…

Hi, I've read several old threads and can't find one specific to my needs. I live in rural Wales and the majority of my mains water supply pipe runs below a neighbour's field so it's not covered by standard home insurance. Since 1993 I've been insuring it with Homeserve. Initially the premium was very cheap because it…

Hello, hopefully just a quick question! I have hired a car from carwiz with their basic insurance package which states - Unlimited mileage - Collision Damage Waiver with deductible (£1600) - Theft Protection with deductible (£1600) - Third Party Liability Insurance - Assistance 24h/day I have also bought excess cover from…

Hello, I have my driving test booked in December (don't get me started haha). I would like to use my own car for the test. I have all the relevant insurance for standard driving, but would I need anything extra to use it on my test?

My wife is a named driver on my policy. Last year she was hit by another driver. Entirely his fault and it was a no fault claim. We did not pay any excess nor was NCD affected. When completing quote for there is a question on whether she has had any claims or accidents so we entered the details. Then I get asked the same…

Last year my premium with Hastings Direct was £494. Renewal @ £748 Thanks to Martin and the MSE insurance subsidiary. Got £468.73 with one of the UK's largest insurers. Insurance companies are worse than Double Glazing installers, Estate agents, horse traders etc. Yet again Martin to the rescue. THANKS

Question answered, thank you. Hi, Does anyone know if you can insure yourself, as a pedestrian, against being hit by a pushbike/escooter/ebike? They don't need insurance and therefore you can't claim from the rider and, as I understand it, the Motor Insurance Bureau (MIB) says if they don't need insurance, you can't use…

I'm aware that the insurers MAY be allowed to discriminate on gender grounds when pricing policies when actuarial data supports such risk determinants. Partner and I have both completed the Quidco/MoneySupermarket comparison questionnaire for house/contents cover. In each case we have named the other as joint policy…

My first diagnosis from a cardiologist was 'angina' so I disclosed 'angina' to my travel insurer. Even though I'd had no more tests or events, when I had a follow-up appointment at the same hospital a different cardiologist said my diagnosis was 'ischaemic heart disease' and I should have an angiogram. After the angiogram…

Hello, I had an escape of water last year and used my house insurance emergency services to get a plumber out. They caused me issues with resolving the leak which exacerbated the damage, but the cost of repairing the damage is less than the excess so I never claimed on my insurance policy and I'm doing the decorating…

Just running the annual comparison site exercise for house & contents. Cheapest contender is MBNA, worked through the quote checking the details and was ready to buy but pulled up by only being able to pay 1-off annual premium by 2 DDs (main and household emergency call-out), no debit/credit card option. Is this a common…