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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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Extra car headrest: Do I have to declare this safety mod?
My Vauxhall Astra J DY15UUP was purchased used in 2018. I realised after
purchase that with the standard cloth upholstery there is a seatbelt
but no headrest provided for the rear centre (5th) passenger, which
seems pretty dangerous but was legal at the time. I was very concerned
about this and research revealed that the…
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Surveyor not covered?
I have an exterior crack in my house. The loss adjuster has stated heat expansion. I want an independent opinion. Our policy covers the cost of surveyors if they are involved in the rectification of the work. I am told they won't pay for a chartered surveyor because that is part of the claim preparation, and not to do with…
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Why is the type of school (state or private) relevant when adding a learner driver to a policy?
Got a quote today (from the insurance arm of a major UK supermarket) for adding my 17 year old daughter on to my car insurance as a provisional driver on a 1 litre Skoda CitiGo. 10+ months to run on the policy and they want an additional £1,150 - as a learner driver! I have paid the £40 cancellation fee and taken out a new…
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Building Insurance scam
My freeholder has taken out building insurance as per terms of lease. I must contribute to the policy. However he has given misinformation in the policy which is still being disputed but I have paid approx £450 for 7 months of the annual premium. He claims in the policy the building is in good repair and watertight. It…
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Double income protection
Hi, let's say that I have 2 income protection, one covers specific things, the other is more general, but regardless, can I have more than one income protection and then decide where to apply in case of a claim? Or do I need to claim both by the law and then eventually they split the payment??
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Buildings insurance for a terrace house inc let basement flat
Hi there, I own a terrace house with a basement flat which I let out. I currently pay landlord insurance on the flat inc buildings cover and buildings and contents insurance for the whole house on my personal policy. I feel I am paying for buildings cover twice. Any advice on how I should do this eg should I just get…
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Landlords' building and contents insurance
Hello, what are the most affordable providers of landlords' building and contents insurance? Most of the comparison sites don't permit it. And also, does anyone know which permit insurance of properties within 30 ms of a river (no previous flooding)? Thank you!
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Should I claim on my car insurance or theirs?
Hi, I was involved in a small accident. The damage is mostly scratches on the bumper and a minor dent. The other driver accepted responsibility after the accident and informed their insurance company. I have comprehensive insurance, I intend to have the car repaired by a garage that is not in my insurer's approved list,…
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Life insurance - payout refused 28 years ago BUT now they get in touch...
I am absolutely reeling with shock after receiving a letter from Legal and General looking to trace the next of kin of my husband who died in 1996. They said in the letter there is an unpaid claim and asked me to call. I called and was told an unpaid claim had flagged up on their system and they needed me to verify who I…
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House insurance - 12 week holiday
Anyone have any good options for insuring house for a 12 week holiday period? Luckily my current policy runs out around 2 weeks into the holiday so it will cover me for that (think up to 6 weeks). Ideally after that I'd find an insurer who allows long periods of un-occupation to cover the remaining 10 weeks. Alternatively…
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Car Breakdown Discussion
This discussion is specifically for you to feedback on Car Breakdown cover Please first read the Cheap Breakdown Cover Click 'post reply' to have your say and let us know if it's about home or car cover To discuss other issues please use one of the following: Car Insurance * Car Insurance General Feedback * Report Super…
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Income protection after job loss
Hi, I wonder what would happen after a claim for income protection and a job loss. Let's assume that I claim to the insurance, but after X years, the company gets tired of it and fires me, or they find some little rule in my contract (highly possible in my situation) and they fire me based on that. Same way if the company…
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Insured or Not?
Hello, I’ve read a few threads on here and many people seem to be correct when giving advice. My question to everyone is the following: Had an accident 16 months ago. I called to report the accident straight after it happened and said I was coming home from work. Surprise, that wasn’t included in my policy and I am deemed…
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Car insurance new address
I am moving out of my house next week and staying with my brother temporarily for approx 6-8 weeks until my new house purchase completes. I checked with my insurance company and they want £148 to make the change! Do I really need to advise them for such a short time? I know that premiums are calculated on postcodes but my…
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Home address for car insurance
My son has secured a 2-year management traineeship. One condition of the offer is ownership of a driver's licence and a car. He has got his licence and has managed to get a car. He has now got his first six-month secondment which is in another part of the UK. For car insurance purposes, which address should he use for his…
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Insurance claims for heating oil spills.
Does anybody have any experiences and/or advice to share when dealing with Insurance Company Loss Adjusters over domestic oil spills? The oil boiler we inherited 10 years ago when we bought our home is serviced every year under contract by Worcester Bosch, but the last service engineer inadvertently left a severe leak of…
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Travel insurance - with pending hospital referall
Hi all I am due to travel to Usa soon and looking to get travel insurance. I have visited my gp in Dec 2023 for a medical issue which I am currently facing. It’s extremely subtle and doesn’t impact me day to day. My gp didn’t think the issue was anything major but has made a referral at my request to my local hospital for…
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non fault claim- car hire not being paid by at fault insurer
hi all, I had a non fault claim where a ambulance hit my car whilst parked. They accepted fault and paid out my insurance for repairs but the company my insurance used for a hire car have not been paid out. The hire company are now taking third party insurance to court as they are refusing to pay for a hire car as they…
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Subsidence claim
Hi, I wonder if anyone can advise please, my elderly mother owns a property which she inherited from her mother - the property is only used as a holiday home as it’s on the other side of the country to where she lives. Around six years ago when changing the door spec to match with the insurance it was noticed that the…
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AutoAid Renewal
Been with AutoAid for a number of years to cover me and my husband. 2 car household and both are 1995 models. This year the renewal has gone up from £54.99 to £74.99. I've tried emailing 3 times now, but they haven't yet explained the increase. They only keep repeating what the policy covers. A new AutoAid policy via…