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What sports are covered under permanent income protection
Hello, I wonder how the insurance market works in UK regarding permanent income protection.I'm evaluating a few and none seem to mention exclusions for sports, but then I ask myself why sports insurances exist...Is it relative to the way the pay? Permanent income vs lump sum? I just want to do some sport for fun where…
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Changing cars at the end of a policy
I need advice. Picking up our new car in 3 days and old car going back (leased) and my policy for the old car ends in 11 days. Should I: Contract current insurer and just put the new car on for 11 days? I think they charge £35 + whatever the extra insurance for 11 days for the new car. Or Contract current insurer and…
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Personal accident protection with car insurance is not a good protection
Hi, let's assume that I have a personal accident cover (under the car insurance) + an income protection.I'm not sure if the personal accident insurance is different if subscribed with the car insurance or separately, so I'm writing this post by not knowing if there is a difference. My car insurance would cover me only 2500…
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Travel insurance covering UK part of journey
I live in the north of Scotland, and frequently visit friends in northern France and the Netherlands. For various reasons I try to do this without flying when I can, meaning that most of my journey is within the UK. On one such return trip I arrived back in the UK without trouble, but then weather-related delays within…
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Travel Insurance - Pre-existing question
Hi, just sorting out our yearly travel insurance. My wife had a benign Phyllodes tumour removed last year. Because of this she needs to have a check up once a year to see if it comes back. The insurance is asking this question when we declare this - Are you having continuing investigation or treatment for this and/or is…
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Old savings with life assurance found
My husband has mental health issues due to Asd and is bad at managing his finances. I opened a letter yesterday and it was a statement for an old savings/life assurance plan that he took out in 1980. On quizzing him about it, he said his parents arranged it all and had adviser come to the house and arrange it. He says he…
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Insurance Renewal - Windscreen claim by named driver on their own car
Hi I just had my renewal through. My partner, who is a named driver, recently had his windscreen replaced, so I stated this on my renewal because I wasn't sure if not doing so would invalidate my insurance. My quote hiked up another £111 :s . How so since this a claim that he made for his own car and has absolutely nothing…
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Home insurance claim following a leak
Hi All, Recently had leak from the bathroom when the flush pipe on the toilet failed. Just looking for some guidance on the home insurance claim now as it's my first time making any claim of this sort. Basicaly, the insurance sent out a loss adjuster to survey the damage and he produced quite a comprehensive report…
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Minor damage to car bumper
I have some minor damage to my car bumper. My car insurance policy has a protected no claims discount (15 years) and £0 excess. Therefore I am thinking about making a claim. I guess I should see how much t costs to repair and then do some price comparison searches with and without the claim and see if the difference is…
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High rise in home insurance cost
Ive received my renewal quote from my home insurer and it has gone up by 43% in just 1 year. How can they justify such huge increases when the risk hasnt changed? Can anyone suggest an insurance company that charges reasonable costs? Sadly when I used a comparison website the quotes were either roughly the same or even…
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Subsidence & Insurance Claim/Repair Questions
Hi, We live in a cottage and have experience subsidence after the super hot summer a couple of years ago, this was due to a tree in the garden - which the insurance company arranged to have removed. We are now at the stage of getting quotations, for which I sent them through and they've queried the amount as it's 3 x times…
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Granddad Rights
I have been looking at trying to get to work another way to
reduce the amount of fuel I am using on a monthly basis, which is around £180
to £200 a month. I have been looking at a Bike of some
description and found the Yamaha Tricity 300 which is a three wheeled Trike and
can be ridden on a car licence, and does not…
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Personal car insurance for bus drivers with recent claims at work
I'm trying to renew our car insurance but my spouse has had at multiple at fault minor accidents at work, driving a bus. Given these were in his first year as a bus driver, and the accidents were all related to its length and in the bus, it seems unfair for our premium to double. Unsure if I need to declare his incidents,…
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Allianz motor renewal
I got an email from Allianz to say they'd forward a renewal quote for my (formerly LV/Flow) car insurance. A week or so went by and there was no follow up email and no new quote in my account. I sent an email querying this and after automated replies I got another email to say they were working on it. In the meantime, the…
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Life Insurance - Linked to Mortgage and Stand Alone
This is more of a question. When my first child was born I decided it was time to get life insurance. The type I have would provide a payout to my (soon to be) wife and children should I die, but also provide an income should I be so ill that I was unable to work. A couple of years later after we were married, my wife…
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Renew car insurance with an open claim
Good afternoon, in September I had an accident. Pretty straightforward, I hit a car in front of me in a stop and go at the traffic lights. My insurance expires at the end of May, so I phoned my insurance to renew the policy and I found out that the premium is more than doubled because the claim is still open as the other…
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My life insurance policy DD is paid from my wife’s bank account.
Many years ago when I had debt problems to make sure the payment for my life insurance was paid, we set it up through my partners’s bank account. The insurance company didn’t object, but now I’m thinking would there be a problem for my partner if anything happened to me? It isn’t a big policy, just over thinking, they are…
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Insurance when you don’t own the property
Hello all, I’ve recently taken POA for my Nan who has been diagnosed with dementia. I’m trying to work out what type of home insurance would suit her needs. She currently lives alone in a property, which used to be owned by her, but now does not rent or own the property as it is currently owned by several family members…
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Home Insurance Renewal Declined
I am currently insured with LV for my home insurance but have received a letter saying they are no longer able to insure my property (I have not made any claims!). I asked why and they refused to say as the change was made by their underwriters. They said it is nothing to do with me or my property!! I then went to look at…
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Car insurance mistake led to void contract
Hi, I have bought car insurance last september through comparison website. This time I dicided to put my partner on it too. She had provisional driving licence at the time. All was well untill last week when she has finally got her full UK licence and I rang my insurer say that she has new document. To my surprise I was…
