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Insurance & life assurance

This is the place to ask any MoneySaving questions you have about insurance and/or life assurance.

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…
Entire contents of house lost through fire in storage unit
Looking for advice After the purchase of the house we were moving to in Suffolk fell through, we decided to continue with the sale of our house and put the majority of our belongings in storage whilst we lived at a friend’s house in the area. We chose a reputable Suffolk company to move our items into storage and then…
Car Insurance after an at fault accident
Just wondering if anyone knowledgeable may know. I was in an at fault accident, I ran into the back of a car. Reported the incident and have accepted fault. I've decided to claim on my insurance for repairs to my car. Initially I thought it was just paint scratches and a new hub cap but it's also dented as I swerved into a…
Building insurance cover
My building insurance company has accepted my claim on the water damage caused by upstairs. Their third party contractor did the repairs by stained blocked the water stains and then painted (one coat) over the areas. However, the bubbling up areas can still be seen. I am trying to find out to what extend the repair should…
House and Contents Insurance - inc. 110 days unoccupied
Planing a special long holiday this year. I need to renew my Home insurance next month anyway so I'm looking for a policy which will keep me covered while I am away for this period. i am struggling to find anything at a reasonable price. Normal premium is about £277 but it seems to be getting up to £1000 with less cover.…
Business Interuption Insurance
Hi All, Received a letter today from Woodgate & Clark saying they have been asked in light of legal developments, to re-look at my business interruption insurance claim, which was denied in 2020. They have asked me to provide dates when I was told to close and the date I was allowed to re-open.. No problem, but then they…
Credit agreement withdrawal for insurance premium
Hi there, I've recently taken out home+contents insurance through Uinsure, and opted to pay monthly for this. I was advised payment would be taken through Close Brothers but naively didn't realise that I would be taking out full blown credit/finance like this. Anyway the long and short is, I want to now withdraw from my…
Life Insurance 101 needed
I've just turned 60 and I am only now starting to think how people will cope when I'm gone. I'm a Widower with no children (that I'm aware of) and 3 younger siblings. When my partner passed away (9 years ago) I was left in a seemingly hopeless situation as we had made no plans for anything bad happening to either of us - I…
Spain travel insurance - now mandatory?
Off to Ibiza soon and usually don’t bother with travel insurance (yes I know it’s good - please can this thread focus on the rule change itself and not ‘why don’t you have it’!) Just read about a new rule change and potential border checks for it. Anyone else heard about this? Searched MSE news but surprised it’s not being…
Continue car insurance or new policy?
I am buying a new car to replace my old car. I phoned my current insurer and they want to increase my premium and continue the insurance to March 2026 when my current policy ends. If I contact other insurers and using comparison sites the policy would run from when I take delivery of my new car (July 2025) until July 2026.…
PmB phone claim
Hi folks, so I have been insured for years, only one claim about 6 years ago. Trouble is forgot to update details with new phone last year and I have cracked screen after a fall yesterday... Am I likely to be declined? Any experience appreciated Thanks
esure home insurance - exclusion, exclusion, exclusion
I agree that their cover looks competitive. Unfortunately I only read the reviews on their prices and didn't read reviews on how they handled claims. I took out home insurance with esure including accidental damage, 24-hour emergency cover, and all the usual protections — expecting to be covered for common household…
Anyone tried Esure Flex Home Insurance?
Just applied for it via Quidco, it was £200 for full Home & Contents inc Accidental & Home Emergency Cover...so effectively £165 after my £34 cashback for the year. I dont bother with Legal Cover. Anyone had an issues? I rarely claim, although I do use Home Emergency regularly (boiler or pipe issues etc) What is the actual…
Landlords Building Insurance
I'm renting a business premises in a building. I pay part of the building insurance once a year when I receive an invoice from the landlords. Last year, we got broken into due to the scaffolding (the intruder stood on the scaffolding and kicked the window to enter). We got a crime reference number from the Police, gave it…
Davies Group - Bill Protector Policy - total con
We met the requirements for the Bill Protector policy including working for 16 or more hours a week but Davies Group are refusing to pay out and frustratingly every time we communicate they ask for something different. My husband went through treatment for cancer, and the expectation was that the policy would cover the few…
RAC Car Insurance Legal protection
Hi Partner hit by a speeding motorbike that was stolen and the rider legged it in another car. Airbags the lot... Loads of witnesses, police said not her fault. However they havent released her car yet. She has Legal cover she paid extra for on her policy. Anyone know if she can hire a car while hers is off the road due to…
Multi Policy Travel Insurance
Hi all - Just a quick question. I am going travelling in October to 4 different countries over a 6 week period. I am not spending anymore than 2 weeks in one location before I move on to somewhere else. (Japan / Vietnam / Laos / Thailand). Would I be covered using annual multi policy type of insurance or would I need…
Car insurance - can't fix car and won't write it off.
I'm asking for my sister. About 4 months ago she had a slight collision which resulted in her car needing to go to the garage. The garage repaired the bodywork and said the car was good to go but then realised there's an issue with the cruise control sensor in the windscreen - this is an electric car by the way and it self…
Neighbours house subsiding. How should we approach potentially claiming for subsidence?
We live in a 1950's semi. We are the homeowners. We purchased in 2013. A RICS homeowners report (survey) was issued at this time, clearly stating no signs of subsidence. Our house is number 23. We recently discovered the property adjoined via the party wall, house 21 is being investigated for subsidence. After doing some…
House Insurance (Buildings) - dependent relative
Hi I need advice please with house insurance as I am being messed about by my broker. I have a dependent relative mortgage and my relative lives in my property paying no rent. I live elsewhere. I have property owners buildings insurance. My broker has queried if I am under insured as they are reviewing all renewals as it…
Title Indemnity Insurance
I'm about to exchange on a freehold and we are missing some drawings in transfer dated 1980 when property was converted from leasehold to freehold. Original lease dated 1967 is not available. The current title plan is clear and marked as freehold. My Solicitor asked for a. indemnity to meet lender requirement. Does this…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Insurance & life assurance

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