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What counts as declined / cancelled insurance?
Some background: I had a DG10 driving conviction a couple of years ago. I went through a few online applications for car insurance and had a few insurers say they couldn't quote before finding one who would (a specialist insurer). Secondarily I was a named driver on a friends driving policy and when it came up for renewal…
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Building insurance husbands name
Hi, our house is solely in my name as as I had the property before we were married. My husband has lived here over 10 years. The buildings insurance needed renewing and I left it to my husband who has done it in his name. This is not a problem to be, however will it be a problem if we ever need to claim as the title to the…
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Accidental Life Insurance
Hi all. Mt Dad died last year and had prepared me for the things I needed to sort when he passed. As he died as a result of a fall, the inquest ruled Dad's death as an accident. He took out many policies but wasn't very good at keeping a paper trail. I have looked on the internet and found companies such as uar.co.uk who…
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Buildings insurance renewal declined
We have buildings insurance with SAGA, They have declined to renew the policy saying that none of the companies they use will not accept our house because of the flood risk. (Surface water risk- Low, River Water risk - Medium) However, we have a current subsidence claim going through with them (since 2022) they say this…
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Company receivership
Hi! A family member has a life policy with a company that has gone into receivership. Her husband has passed, and all relevant documents have been submitted, but nothing else has come through. This has been ongoing for 3 months. We can't get anywhere with answers as to whether the policy will be paid out or not. Also,…
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Personal injury claim
I had an accident last year in November which wasnt my fault , the other insurance company accepted fault but are offering very little money for the injury so i would need to go to court. how do i start doing this or whats the steps? There are no solicitor involved
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Emergency Assist, also trading as 2Gether ins
Also under the guise 2Gether insurance and probably more **I have since sent a video to prove it’s not my battery (lights on etc) the breakdown co think it’s an electrical drain** Disgusting to leave me stranded in an empty multi storey car park an hour from my home** I arrived home from holiday Friday after a long haul…
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Fittings insurance
I know you have a previous thread on this but it doesn't cover my situation. I am a leaseholder in a block of flats. Our fittings are covered under buildings insurance but the excess is £800. This is fine for the building but in essence unless there's a fire or catastrophic flood, we are paying the full cost of replacing…
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Medical insurance
I have a probkem with medical insurance, very complicated so il try and be brief. I had very serious complications at a private hospital ten years ago ( who didn’t want to know). My medical insurance increased massively and it’s now unsustainable. They’ve advised me to cancel policy and come back as a new customer but all…
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Sheilas Wheels Policy Auto Renewal
Heads for policy holders at Sheila's Wheels(aka Esure), I have been struggling to stop my policy auto renewing. They are a internet only setup with a chat bot to take the basic request anything more complex and at request a person will join the Chat session. The outsourcing model used i assume for security reasons limits…
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Esure claiming i'm due them money
Hi, I have a bit of a dilemma with esure where they are claiming i owe them money and so would like to know where i stand and what to do next. I was sent a renewal email from esure on 28/9/24 wanting an extra £481.44 per year to insure my car, unhappy with this I contacted esure around the 10/10/24 asking them if they…
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Home Insurance Northern Ireland (what is going on?)
Home Insurance in NI has seen rises like other parts of UK, this week Tesco's informed me they can no longer offer home insurance for Northern Ireland. I see on all the comparison sites that the key players like M&S are no longer offering quotes. My own insurance on the same house with the same details has one from: 2020 -…
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Does reporting an incident count as making a claim when renewing car insurance?
A bit of an interesting one, as I was driving away from a Tesco carpark some lady stopped me and accused me of hitting her car, she called me a few colourful words took pictures of me and my car, when I pulled over she drove away, the kicker is I didn't hit her car, I thought maybe I didn't notice but I checked the car and…
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Insurance Claim then change provider
Hello Asking for a friend. Currently has motor and home multicover insurance and one of their immediate family members has recently been injured as a pedestrian in an RTC. The incident was last week, this insurance ends in a couple of weeks time and they have changed provider once this cover ends. The question is how does…
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Car written off prior to renewal Date
I was unfortunately involved in a RTC 2 days prior to my renewal date of 20th October (already paid in full 3 weeks prior). The accident was not my fault and the car was written off and payment settled. I had protected NCB and the excess was not deducted. The following day the insurer emailed to say I needed to pay an…
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Vitality income protection rejected
Has anyone had problems claiming after being unable to work? I’ve been paying Vitality for an income protection plan for many years and never claimed. Recently I’ve had an accident which has stopped me working and Vitality has taken over a year to decide to reject my claim. The claims process has been painfully slow and…
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Buildings Insurance - Puzzled as to what's included in "Other Rooms"
First time I've used Compare the Market. I'd welcome informed knowledge so I can best comply with their guidelines on what goes into the 4 areas listed under Buildings. I'm OK with bedrooms, and bathrooms, and living rooms looks straightforward:- Include any reception rooms such as lounges, dining rooms and sitting rooms.…
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Unoccupied house insurance
Hi there is anyone able to offer any advice regarding unoccupied house insurance please? I’ve tried looking into it but it’s all gotten a bit too much and I’m worried about getting something wrong. My Mum and Stepdad recently passed away within weeks of each other so their home is now empty and will be for some time while…
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Mortgage Life Insurance - again
Hello, I've been researching a lot about the mortgage life insurance, the decreasing type, to insure our joint mortage. There is one aspect that I can't quite get my head around and it is the inheritance tax implication. As I understand it, on the event of the death of one of the policyholders, the bank will pay out a sum…
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Home insurance
I am hoping for advice. My son bought a house in June this year and, before relocating, is renting it out short term. When he rang to arrange landlord insurance the insurance company said their records showed a previous insurance claim for escape of water in 2021. Strangely, it was in his name but for our address. Although…