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Does my car insurance cancellation count? Or not?
I have a somewhat complex situation. Back in 2018, I insured my car through someone I believed to be a broker (turns out he wasn't; he was just a guy helping people get insurance). A couple of weeks after setting up the policy, I was asked if I had arranged it directly or through a broker. I admitted it was through a…
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New car insurance wording re drink and drugs – a worry ?
Car insurance, quite rightly, will not pay you out if
you were under the influence of drink or drugs. ( They do pay the 3rd party under road traffic law but that’s
not what I want to discuss ). However, the relevant wording in policy documents seems to fall into 2
types. I’ll use typical examples. Some say that a…
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Police damaged car
Hi all, almost 2 week ago a police officer was hanging around outside my house with another officer. They were clearly looking for someone or something. One of the officers, whilst looking upwards next to my house, walks backwards and bangs into my car, without checking his surroundings. The next morning I noticed several…
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Car accident advice
Hello, I was involved in a car accident (collision) on Friday. I have reported it to my insurer but put no claim at this time as I’m not sure if the other party is going through insurance or not. It’s not going to be a clear cut, no fault on either part. Basically, I turned right onto a 20 mph road. I can’t prove where…
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What are Admiral trying to tell me???
Can anybody explain to me exactly what Admiral are playing
at here? I currently have home contents cover with More Than which
will expire next week. More Than wrote
to me several weeks ago to say that they would not be able to renew my policy
as they are moving out of that line of insurance. They advised me that I would…
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Underpinned building - block of flats policy - broker/insurer suggestions please
I am one of the freehold owners of a Victorian house in North London which is converted into 3 flats. The building was partially underpinned in 2008 following an insurance claim. Subsidence insurance following the subsidence claim was reinstated in 2011 and the building has been continously covered for subsidence since at…
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Home insurance/cracks in walls
Hi, we moved into our house approx 3 years ago. It had previous subsidence repairs in the early 90’s as did several house in his area. The previous owners also built an extension at around he one he repairs were being carried out. We have noticed quite a few internal cracks coming though and a stepped crack on he outside…
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Marshmallow Insurance - Fraud
Hi folks, My partner has recently applied for insurance through Marshmallow (as many of her years driving were from another country). She was initially covered but informed, at around 8 hours notice, that her cover would be cancelled tonight. They have claimed that she made a false No Claims Discount, that they are…
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unsettled no fault claims are affecting my insurance
We have 3 cars on a multicar policy, the policy in in my name. My husband had his van written off in a no fault accident in December then a woman reversed into his new car while he was parked in March. Both very clearly no fault accidents. Our insurance company paid him out for the write off and for repair to the new car.…
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Car Insurance - NCD problem
I've earned 10 years NCD privately in the normal way before joining my company insurance policy. There was no gap in between the two policies starting. I've never had an accident or made a claim. I still drive my own personal car but my insurance is paid for by my employer for the last 2 years. I've now left that employer…
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Young Person Car Insurance Claim
Hi all, I would love some advice please. My son who recently turned 18 and has been driving for only 2 months got into a car accident through no fault of his. The other party has admitted liability. Unfortunately, his car was written off and we are currently waiting to see how much the Insurance company will give him for…
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Rejecting a claim
A few years ago we had difficulty with a travel insurance claim. My wife suffrede a brain bleed but the insurer queried it because we had not (inadvertently) declared a pre existing condition from a long time past which bore no relation to the brain bleed. At the time my daughter found an article by - I believe - the…
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Pets at Home Insurance - Pre-Existing Condition Query
Hi, I'm not sure if anyine has come across something similar previously to this issue and may be able to help please. Back in March when our 10 year old dog had his annual vaccinations, it was noted by the vet that he thought he had a heart murmur. He said at the minute he'd rate it a 2/5 and so it wasn't anything to worry…
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Tradesman caused damage - insurance issue
I had work done in my house, and the tradesman damaged a water pipe that caused a massive leak. We are in a terrace house, and the neighbouring property is damaged too. I asked the tradesman to cover the repair by his insurance, and they filed a claim and asked me to follow up with them. I am now a bit confused about what…
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Car insurance issue
I wiitnessed my neighbour reversing into my car last month, we are not on speaking terms so i called the police. He denied everything but fortunetley a witness came forward and gave the police a statement. With mediation with the police he agreed to pay cash rather than go through the insurance, i got 2 estimates and put…
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LV student theft claim rejected
My son lives in a shared uni house (private tenancy), he went out the other night and the front door was locked. Another tenant unlocked the door and there were people in the house and in the kitchen. Unfortunately some lowlife walked into the house, into my son's room and stole some of his possessions. The police were…
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New Build Flooded by Plumber
My wife’s mother bought a new build luxury apartment. £700k. She moved in on the 3rd September. In no hurry to unpack, she was staying with me and my wife for a week whilst she sorted through her belongings, got the furniture in the right place and decided where everything should go in the kitchen. One week later, we get a…
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Why You Should Think Twice Before Taking Out Tesco Pet Insurance
Based on my recent experience, I would not recommend Tesco Pet Insurance for several reasons: * Lack of Transparency: Tesco is not clear on what is actually covered under their policies. Despite having insurance, I found out too late that certain injuries, like cruciate ligament issues, were not fully covered. Even though…
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Burst pipe and navigating the insurance claim
Hi All, I would really appreciate some advice. I've had a burst pipe from the bathroom which has caused severe flooding and damage to all the rooms on the groundfloor including a collapse ceiling in one of the rooms. Luckily I had emergency home cover from the insurance company who have managed to isolate the leak so that…
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Damaged caused during insurance claim works
Short version: Insurance and trades company did some damage rectification work. They promised multiple times written and verbal that any additional damage they caused would be added to the schedule costs of the insurance and made good by them. Some accidental damage was caused during works. It's been acknowedge written and…
