Insurance & life assurance

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My sister recently passed. We have no idea who the house not contents, insurance was with. Do we just start an empty property insurance until estate is finalised? We are also having to apply for Executors-Dative, then confirmation. Thanx in advance

I have had to make an insurance claim for an incident in a car park where I scraped my car and it needs a panel resprayed and dents removed. I am receiving a courtesy car while mine is being repaired. The insurer’s authorised repairer have offered Courtesy Vehicle Excess Insurance where for £19.99 if I have an incident…

Hi all, Hoping someone in this wonderful community can assist with my query. My car was unfortunately damaged significantly in a hit and run a couple of weeks ago by another driver that likely came too close to my car, while it was parked on my street just outside my house as it usually is. I was not at home when this…

Hi everyone, Looking for some advice on a potential structural/movement issue with a rental property in Greater London (1963 semi-detached, brick cavity wall, concrete slab ground floor ie inner bricks/breeze blocks sit on this and outter wall made of bricks sits on its own foundations). The Issue:Following the recent…

So much for saving money by entering your driving licence number! I did a quote without which was £503.93, one with & it had gone up to £526.39 that was the cheapest with Hastings Essential but all the quotes had increased. They were both done within 10 mins of each other. If anyone has had the same experience & knows why,…

My dad had a personal wealth plan account with phoenix life On 17/03/2025 he took £533 in surrender payment from it He subsequently passed away on the 24/05/2025 After applying for and being granted probate phoenix life found they had made an underpayment and sent to the executor account that is in my sisters name on the…

I heard Martin say that premiums on motor insurance have come down radically. Is it only for motor insurance? The premiums on my home and pet insurance have shot up radically (by nearly 50%) despite never having made a claim. Is this right? I'll certainly be comparing prices while the supposed sweet spot is active.

How do I now insure? In only my name as policyholder? They don't live with me. I tend to do comparison sites but unsure how to register other parties part-ownership. Advise please. Policy shortly expires so shall be trawling for new quotes.

January this year our house was flooded - approximately £82k damage. 10 months on, still not resolved yet as to which contractor's bid has been accepted. There has been huge delays with feedback from loss adjustors, surveyor and insurance company. My main questions are this - Our policy is due for renewal in November and…

Changed my daughter on my car insurance last year to main driver. Was told at renewal she would inherit my NCD I intend taking myself of as a driver. Contacted them today and they are now saying that is not the case. If I make her the policy holder instead of myself will that let her have my ncd.

i currently have an annual policy with Staysure for UK only. It runs out in January. I have paid a deposit for a UK cruise for next year. Before I ring them, would you think I am right to assume my deposit is covered? Does anyone know if I will need a European policy to cover my cruise next year even though I won’t be…

I have a Life and Critical Illness whole of life Flexible Protection Plan (life and critical illness assurance with an investment element) which commenced in September 1999. It is in the joint names of myself and my wife. We have paid monthly premiums of £115.69 for the first 25 years, reduced to £76.68 for the last 2…

I have a cooker insured with D&G. It developed a fault and so I contacted D&G who arranged for someone from their subcontractor to come and repair it. After three failed attempts he said he would need to come back again with yet another part. I received a text with a date for this but then a day or two later received an…

Following a small non-fault claim made via my insurer, I am being asked to allow their now appointed solicitor to take action for a recovery against the third party insurer for costs and the excess paid. Confirmation that the action may be made under my own name has been requested. Is this standard practice and are there…

HI, I recently applied for a term life assurance too cover a £100k mortgage which I have on interest only. I have no other life assurance as when I priced it up it was too expensive, hence going for the term assurance. However I have been refused this as I was diagnosed with Lymphoma in September 2025. This has now been…

I am thinking of joining Hometree Plumbing and electrics, what are they like

We have been struggling since we purchased our flat in London in 2011 to find cheap buildings insurance. The issue is that we are the 1st floor flat and there is also a ground floor flat (2 flats in total, one above the other) in the same terraced house (both flats own share of freehold), and apparently you can't just…

I have an existing policy, one of those get X amount if you die before you are 70, this ends in a couple of months and I thought I would go for one that protects against inflation, but I'm getting knocked back (they haven't called for my medical records). Any suggestions for suitable companies that deal with cancer…

Hi all, I am hoping someone here has been through something similar and can point me in the right direction. My mum died on 16 September. In 2010 she took out a Halifax Level Life Cover Plan, issued by St Andrew's Life Assurance, with just over £27,000 of cover over a 27-year term. She paid the £25 monthly premium to…

Dear Team - I am seeking the correct house insurance for the home I inherited from my father who died in July. I visit every two weeks and am applying for probate soon. What type of insurance should I get? Shall I call a company and if so which is a good one? The online quotes and questions (Compare sites) are difficult to…