-
Average Price Clause On Subsidence Claim - Ombudsman Advice
Hi, A property I own suffered subsidence damage about two years ago. This was promptly reported to my insurers. After an interminable series of delays they have recently informed me that the damage is covered by my policy but, in their opinion, the property is under-insured by approx 20% and that they are going to apply…
-
National Accident Law
Trading as NALno win no fee. I approached as they sounded OK. Certainly started out ok however things went awry fairly quickly. All there contact is via an app which is very hit and miss to get into and if you do, everything is AI G generated with no room or allowance for ‘proper’ responses just answers they want ie’yes or…
-
Holiday cancellation insurance
Hi, my parents had booked a 2024 cruise to Greece last autumn but their annual multi trip insurance was up for renewal this Feb. They planned to update their policy on renewal to cover cruise and travel to Greece. Unfortunately one of them has had a diagnosis which prevents either of them taking this holiday. It has been…
-
Car hire charges following accident
Hi all, I'm hoping for some thoughts / guidance about my current experience with a claims management company. I had an accident last year after which I phoned my insurance company to notify them - however turns out I was phoning a accident helpline - they advised as the accident was not my fault and that I should use a…
-
Legal select with home insurance
My policy included legal cover, which unfortunately I had to take advantage of when my son was seriously injured in a football match, although at the same time was relieved that we were covered for this sort of event and able to initiate a claim. However, when the solicitor looked into the cover provided, they discovered…
-
UK holiday jnsurance
Is it worth having insurance for a UK coach holiday. Just wondering what would happen if you got ill and couldn't travel back with the coach, how would you get home
-
Think i've had a scam MIB call.
Someone drove into the back of me 5 days ago. We both phoned respective insurance companies at time to report. His van needed towing, mine still drives. My fleet manager has been away and I wanted to clarify processes with her before getting van repaired. I had a phone call 4 days ago from 3rd party insurance saying their…
-
No Claims Bonus/Discount NCB/NCD after 9 years
I am with BMW insurance, they only appear to want to offer me proof of 9+ years NCB when I have 16 years. Having read forums on here I read that it doesn't make a difference after 9 years. On renewal, BMW price has doubled so looking elsewhere my cheapest quote is for £626 when I use 16 years NCB and the exact same quote…
-
HELP PLEASE
My wife has had someone drive into the side of our car this afternoon. Our insurance on the car is due to expire at midnight tonight and was going to renew this evening - completely my fault for not sorting the renewal sooner. It was definitely the other drivers' fault, they admitted as much when speaking to my wife…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
