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Insurance & Life Assurance sticky
Here are some Forum threads you might find useful: * Home Insurance Discussion * Cheap Car Insurance Discussion * Car Insurance Tips & Tricks * Level Term Assurance Discussion Area * Car Breakdown Discussion Area * Gap Insurance Guide Discussion * Compare Breakdown Cover Discussion * The Great Hunt: Have you used a loss…
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Car Insurance - driving to Volunteer
I am having some major difficulty in choosing the right work/occupation description for Car Insurance purposes. I am technically unemployed, stay at home but do some part-time volunteer work each month where I drive alone to and from a designated office to carry out the volunteer work. This is true description, and how a…
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Homeserve & Emergency cover.
Most house insurance offer emergency cover for burst pipes etc as extra for little cost, but it is basis cover. Homeserve offer can be better and the max limits per claim are greater. If I was to take out Homeserve cover, would I need to cancel the emergency cover on my house insurance, as there would be a overlap in…
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Car insurance NCD - claim reduced NCD, finally closed after two years - how to get NCD refreshed?
wife had a claim back in 2024 and what should have been simple has been dragged out by the other party. Even when AXA accepted her side of things, they didn’t close the case down as they were being refused payment from the other party. anyway - finally got confirmation email that the case is closed, and ‘her NCD is…
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Buisness insurance
Hi all, Im a service engineer traveling from home to various sites around the south of England. I have buisness insurance but it does not cover "commercial travelling ". My company demand i change my insurance to class 3 buisness but I don't believe this is needed. Any help or advice would be welcome.
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Travel Insurance
I booked a packaged holiday (flight and boat) on the Turkish seaside, not in the areas FCDO advises against. Need to get the travel insurance NOW. I checked insurefor, insureandgo and others, but I do not understand if everything (flights & accommodation), or most of it, is covered. Thanks.
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BtL and Building insurance. How much to insure for?
Pathetic, I know but in all these years I have never really thought about it. I have some flats that I rent out and this year I noticed that the amount they are insured for may (perhaps, who knows...) be too little. How do I know what a reasonable figure for rebuilding purposes is? I went to this calculator…
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Non-Fault claim?
The other morning, driving to work, someone drove into the back of my car in queuing traffic, their car is badly damaged in the front, probably a write-off, the one behind them had some damage but driveable (they went into the car behind me). But mine doesn't have much damage - but after I took it to local garage to check…
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Appropriate insurance for 5aside football at sports hall
Hi all, been playing 5aside football at a local sports hall for around 5 years. The guy who organises it is stopping, and has asked if anyone can take over the booking - essentially collecting money and paying for the slots. I offered, however when I was sent the forms to fill in my personal details for the booking it says…
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One Call Insurance quagmire
We were rear-ended on the motorway the other night. Thought we were well insured. However, calling One Call Insurance has proven a nightmare. Firstly, we were passed straight through to One Call Claims, the claim handling company linked with One Call. Read some negative reviews about them so opted not to go with One Call…
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Non Fault claim - How long before at Fault Insurer Makes Contact
I need to make a non fault claim, I have been advised that the at fault party has been in contact with their insurer, what should I do now? How long should I expect to wait to be contacted?
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Home emergency cover
I'm putting this under insurance although it's more the aspect of getting something fixed in an emergency than having insurance pay for it that I care about. Are there any recommendations for providers of a service to dispatch a plumber or electrician or locksmith when you have an emergency? I ask because late last night I…
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Direct Line Car Insurance
Just a word of warning for anyone with Direct Line car insurance, don’t expect them to even investigate your claim unless you go hard at them, they just want to take the path of least resistance and settle every claim 50/50. Last weekend a woman tried changing lanes on a dual carriageway clearly not realising I was…
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You've Got the wrong Guy!
Hi all, I’m looking for some advice on an ongoing issue with an insurance claim that I believe has been wrongly linked to me, and I’m struggling to get it resolved. Back in May 2025, my insurer (ERS at the time) was contacted by another insurance company. They stated that one of their policyholders claimed I had been…
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home insurance renewal
Insurers seem to have crafty tricks to keep us renewing with them. I've had buildings insurance with one provider for years and the annual increases are accompanied by seemingly plausible explanations. A bit like the old image of the frog sitting in a pot of water that is being gradually heated. Thanks to MSE I decided to…
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Warning - Saga auto-renew problem on insurance - Check yours!
Hi All Just wanted to warn everyone about an issue with the Saga system about auto-renewing of insurance policies. We had a car insurance with Saga and got a letter stating that the policy would auto-renew. I did the usual checks to compare insurance. Price was ok and we had a lot going on so I decided to let the…
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Company refused/declined Home Insurance cover
I had been happy for several years with the home insurance cover I had with one company (Company A). However, in 2024 they didn't want to insure me any more because they had stopped covering homes with oil-fired central heating. So, I found another company (Company B) and have used them for the last two years, although the…
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Caravan Insurance for a van stored in France
Hi, we normally insure with Towergate for our caravan that is stored in France on the site we stay at However, the underwriter has changed to Aviva and they say we have to tow it back to the UK for 8 weeks. Loads of UK based people do this in France - any help please.
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Damaged ceiling due to upstairs leak
I'm in a ground floor flat and my ceiling has water damage due to a broken washing machine in the upstairs flat. I've filed a claim with my insurance company but there's an excess on the policy. Legally, am I stuck paying this? I have no reason to think the upstairs neighbour was negligent and I feel bad asking them to…
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Halifax Home Insurance
Recently had a renewal notice from Halifax re Home Insurance. I wanted to discuss the renewal ,as I did the usual and got a large number of considerably cheaper quotes. I'm afraid Halifax have gone down the route of making it almost impossible to talk to a human. You can go through a process of Cancelling your policy and…
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Liability for unexploded WW2 bomb
Hypothetical for me, but just watching the news from Plymouth and the risk of property damage from the bomb being detonated - would that come under the usual policy exclusion for damage "arising from war"? And if so is there any other avenue for compensation (assuming the Army haven't been negligent)? I'm guessing there…
