-
Car Insurance - doI need to tell insurer about another car owner?
Hello I have a car insured with Aviva. Someone has recently joined my household and has their own car, and will normally be parked on the public highway near the house. Do I need to tell my insurer? We won’t be driving each other’s car. I’ve encountered Aviva’s chat thing in trying to get an answer to this, but it doesn’t…
-
Annual Travel insurance - having operation - need to update/ inform ?
I have an annual travel insurance policy with my correct medical history declared at time I took out the policy. In December I had a fall and broke my upper arm. I had to cancel a holiday and I have an ongoing holiday cancellation claim. I'm now scheduled to have surgery to place a metal plate on my arm in April. Prior to…
-
Phone insurance - Apple or through RBS?
Hi folks, Set up: I have an iphone 13Pro, I've been paying £12 for insurance coverage through Apple. I recently upgraded my RBS account to the Silver rewards account— which comes with a mobile phone insurance through Likewize Device Protection UK Limited. The fee for the Silver is £10 but you get £5 if you have direct…
-
Car insurance cover - giving people lifts to church
Just received a note from our church HQ that members may not be covered for giving lifts to church. Now obviously not covered by standard policy if done for private hire or monetary gain, but simply giving a lift to a friend (or even to Mrs K!)? Is this correct? If it is, the logic would be that drivers cannot give anyone…
-
Wildly different quotes from the same company
I intend to change my home insurance provider and am inclined to favour Aviva because of their ethical reputation. I have requested quotes from the Aviva website more than once and am perplexed that the different quotes are wildly different. The first one was £201.82 (which is roughly half what I am currently paying) and…
-
Car Insurance different prices car bought / not bought
Insurance for daughter Run through Topcashback compare coming back with the following quotes Car already owned. with Black box £1299 with no black box £2173 Car not yet owned with Black Box £1287 with no Black box £1700 The only thing I altered was owned / not owned Am I missing something. What difference does it make TIA
-
Aviva - income protection policy cancelled after policy change requested
HiI'm just wondering if I could please have an opinion on the following matter:* My mortgage advisor does income protection insurance via Aviva and applied for the policy on my behalf and I was emailed the policy information etc. * Income protection policy taken out with lets say £20k salary on 9th Jan 2024 . I also…
-
Home insurer won't cover building work, is cancelling policy - any recommendations?
Just had a disappointing call with Halifax re: building work at my home. Apparently as the cost is over £75k they won't offer cover and will only cancel the policy leaving me to find cover elsewhere. They gave a number for "Everywhen" - which looks to be a broker. I'm not hugely encouraged by the recommendation given that…
-
Zurich Travel Insurance
I have created this new thread to discuss people’s experiences of Zurich Travel Insurance. I did start a previous one but unfortunately it was polluted with persons who obviously have an interest in or are employed by Zurich, who proceeded to attack anyone who had a bad experience of Zurich insurance. There are a lot of…
-
Insurance payout in event of a suicide
A distant relative of my wife who was male aged 60 recently committed suicide. Someone in his family said he didn’t have any life insurance and if he did they would not have paid out. However they added he had a mortgage with his wife. I always thought insurance didn’t pay out in the event of a suicide and asked ChatGPT…
-
my van you are unfortunately not eligible to take this complaint to the FOS
Hi, Thank you all If not the FOA, who can I go to another level up, as I should have my old van back, or buy back and pay them 30% out of the money I get off them. (Because you are a third party and not a policyholder, you are unfortunately not eligible to take this complaint to the FOS.} My complaint is I was very ill in…
-
Adding named drivers to drive me in my car as no longer able to drive
I am currently the owner of our car, and my disabled wife (who very rarely drives) is a named driver. But I have been told I am no longer able to drive and have 11 months left on the insurance. We need to keep the car in order to transport my disabled wife (very few of our friends' cars are able to carry her powerchair).…
-
3rd Party Liability Insurance for dogs - Dogs Trust stop from 30/6/26
I've just had an email from Dogs Trust saying that they are no longer offering 3rd Party Liability insurance with the Companion Club membership. I cannot afford full pet insurance - both my dogs are 13 years old and the premium quotes are ridiculously high :o( . Does anyone know of any other organisations like Dogs Trust…
-
Buildings insurance cover for flooding
My buildings insurance cover seems to exclude cover for flooding if the source is a leak from a pipe in the street. It hasn't happened yet but I wondered if this is normal for buildings insurance. If it does happen, could I expect the water company whose pipe has leaked to cover the cost of the flooding or would I be left…
-
Buildings insurance repudiation letter - this is ambiguous isn't it..?
Our retaining garden wall crashed down in torrential rain during a named storm earlier this year. Just had the insurance company's repudiation letter via their Loss Adjusters - notice the 'appears that the damage has occurred...' line. Surely that's ambiguous and unclear? Worthwhile challenging?
-
Book travel insurance after surgery?
Hi folks, I'm booked on a Med cruise in June (lucky me I know!), and just paid for it a couple of weeks ago. However, I was diagnosed with Angina last year, and I'm up for Angioplasty/Stenting in April. I've got some quotes for travel insurance costing £250ish - fair enough I guess though not keen on paying through the…
-
Contradictory Questions and Final Policy Document buildings insurance
I took out a policy - the usual questions asked about the building history (over the last 25 years). Questions such as - any flooding in last 25 years, underpinning last 25 years etc. I've owned the property for over 30 years and nothing like that has happened since I've taken ownership. The building is over 100 years old.…
-
House Insurance; separate excess charges for buildings and contents?
We're looking at moving to Aviva from Direct Line for house insurance. Whilst the DL policy is clear that a single excess is chargeable for water damage to both the building and the contents, it's not that clear for Aviva. They have two separate excesses, at different amounts, for buildings and contents, or so it would…
-
Travel Insurance - Medical Questions
Our annual travel insurance is soon due for renewal, so as ever I looked on a comparison site to see what's on offer and as ever wanted to give an accurate picture of any medical conditions. But, as ever, I'm not entirely convinced that the questions asked necessarily lead to an entirely accurate picture. Let me explain,…
-
Income protection for part time job?
Hi I work full time and my wife works part time. We are both 40 years old and have one dependent, under 18. My salary makes up around 80% of our household income and my wife's around 20%. We are very fortunate that my salary covers our monthly experiences. We use my wife's income to make additional contributions to our…
