http://www.moneysupermarket.com/community/forums/insurance-103.aspxGot an insurance question? Looking for cheap insurance or the best policy to suit your needs? Our expert community members have the answers...<br> Please read our <a href="/community/forums/t/moneysupermarketcom-user-community-standards-15449.aspx ">Community Standards</a>.enCommunityServer 2.1 (Debug Build: 0.5)http://www.moneysupermarket.com/community/forums/t/preexisting-conditions-amp-private-health-insuran-39884.aspxTue, 24 Nov 2009 13:23:11 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:169556dutchbairn3http://www.moneysupermarket.com/community/forums/t/preexisting-conditions-amp-private-health-insuran-39884.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=169556 This year, I underwent heart surgery and in 2010 it is our plan to move to the UK. However, in Ireland, I was covered by private health insurance and my worry is that, while I will only require check-ups and medication for the time being, I will not be entitled to private health insurance or if I do get it, I will not be able to claim anything heart-related. Does anyone have any advice on this, and am I worrying too much? Rgds Ewan http://www.moneysupermarket.com/community/forums/t/excess-insurance-advice-needed-39774.aspxWed, 18 Nov 2009 14:25:35 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:169013Struddy11http://www.moneysupermarket.com/community/forums/t/excess-insurance-advice-needed-39774.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=169013I have been looking into excess insurance, can anybody advise if this is a good product to take out and what are the pros and cons. http://www.moneysupermarket.com/community/forums/t/life-and-critical-illness-cover-commission-clawba-39240.aspxTue, 27 Oct 2009 07:51:08 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:166932Campbell C1http://www.moneysupermarket.com/community/forums/t/life-and-critical-illness-cover-commission-clawba-39240.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=166932 I have just re-mortgaged my home and have revisited my various insurances with the broker. In short, he has recommended a life cover/critical illness product where he receives commission of about &pound;2000. However, he wants me to sign a letter agreeing that if I cancel within four years he will clawback the commission he has to pay back to the financial organisaiton from me. This seems very strange indeed to me - and frankly wrong. I am, in effect, guaranteeing his commission and I don&#39;t see why I should. I have never heard of this before - is this now industry standard practice or if I go elsewhere will I be able to get the same deal without this? http://www.moneysupermarket.com/community/forums/t/i-want-to-insure-my-children-39294.aspxThu, 29 Oct 2009 11:20:44 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:167160october1http://www.moneysupermarket.com/community/forums/t/i-want-to-insure-my-children-39294.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=167160 I want to insure my older children, both are male, one is 19 years old and just gone off to university and the other is 22 years old and a budding actor currently working in the West End. They both want life cover and accident insurance but at the moment can not afford the premiums so I said I would pay for them. They think &pound;100000.00 life cover would be enough but are not sure about levels of cover for accident insurance. I said I would cover the insurance premiums for 10 years after which time they can review levels and pay their own premiums. Is there a cheap health insurance available for them, or even better, a combined health, life and accident insurance we could consider. I also have a 30 year daughter who has not bothered to take out any life or accident insurance. Is it cheaper to have all family members covered under one policy ? Any advice please http://www.moneysupermarket.com/community/forums/t/critical-illness-cover-is-it-neccessary-11660.aspxSat, 22 Sep 2007 13:54:43 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:51338Noddegamra2http://www.moneysupermarket.com/community/forums/t/critical-illness-cover-is-it-neccessary-11660.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=51338Back in May of this year I applied for a mortgage with Lloyds TSB and out of naivety and some laziness decided to fo with their insurer Scottish widows for Life and Critical illness cover. 3 months later and they have told be they will not insure me for critical illness on grounds of pre existing conditions, this is something I disagree with and my doctor thinks is overkill as the conditions are asymptomatic. Is it worth fighting to try and get the critical cover or just take life cover only to put an end to what has become a bit of a nightmare. http://www.moneysupermarket.com/community/forums/t/insurance-for-macbookpro-and-lumix-digital-camera-39724.aspxMon, 16 Nov 2009 14:14:45 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:168807enovi4http://www.moneysupermarket.com/community/forums/t/insurance-for-macbookpro-and-lumix-digital-camera-39724.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=168807 Please advise where can I get insurance for multiple items, i.e., a MacBook and a Panasonic Digital Camera. The Insurance must cover the items while abroad. I&#39;ll be traveling to Brazil for 3months, from 29/11/09. Also, I&#39;d appreciate some advice on whether a travel insurance for 3 months with enhanced cover for these items would be cheaper than buying separate insurances. Please indicate where can I get best quotes for the above, I live in the UK. Many thanks, enovi http://www.moneysupermarket.com/community/forums/t/life-inurancecover-value-39699.aspxSun, 15 Nov 2009 19:59:34 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:168758Kat19821http://www.moneysupermarket.com/community/forums/t/life-inurancecover-value-39699.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=168758 Hi How do I calculate the cover value for the life insurance? Rgds http://www.moneysupermarket.com/community/forums/t/life-insurance-or-endowment-39643.aspxThu, 12 Nov 2009 19:00:15 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:168560Alec2http://www.moneysupermarket.com/community/forums/t/life-insurance-or-endowment-39643.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=168560 My daughter has been asked by her Bank (Nat West) to attend an advisor to discuss her existing life policy with a view to giving her a better deal. Her existing policy is for &pound;90,000 and costs her &pound;22 per month and is with Zurich. It has been going for some time and pays out on death only. I am worried that the bank just want some business and will offer what is best for them. Her children are all grown up now, the youngest will be 20 in January. I was rather thinking that an endowment policy would suit her better with maybe a whole life policy to just cover her funeral. She is divorced and works as a care assistant in an old people&#39;s home. She is in good health and is 49 years old in February. Have you any advice for her? Alec Wells http://www.moneysupermarket.com/community/forums/t/post-office-lifestyle-protection-insurance-40-pri-33574.aspxWed, 01 Apr 2009 15:21:07 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:144579gohunter40http://www.moneysupermarket.com/community/forums/t/post-office-lifestyle-protection-insurance-40-pri-33574.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=144579 Having taken the advice of moneysupermarket.com, in December I chose to take out a separate policy for payment protection instead of paying it on my credit cards, loans, etc. I did the comparisons and the Post Office offered the best deal. The policy is administered by AXA. I took the option to cover all outgoings as well as my loans/cards so I took out cover of &pound;1755 per month covering me for accident, sickness, unemployment, etc. It has a 60 day qualification period and after that it paid out 30 days after any claimable event. On Monday morning, I got a letter from them telling me that from 1st May a) they are increasing the deferreded period from the current 30 days to 60 days, so now I would not get any money from them until the 91st day after I became unemployed or sick, etc.. b) they are reducing my monthly benefit from &pound;1755 to &pound;1500 c) they are increasing my premiums from &pound;78.98 a month to &pound;110.25 a month I really feel like I have been ripped off! This has been mis-sold in my opinion as I have paid for a 2 month qualification period, only to have the benefits decreased significantly and the premiums hiked by nearly 40% not long after I am actually able to claim. I really do hope that I never need to claim on this type of policy, but it seems I am being expected to bail out the losses and bad debts of AXA. I am not a happy bunny and have lodged an official complaint with them, requesting that they refund monies taken under false pretences, but they have so far refused. They say that the policy is a 30 day policy which automatically renews, so they can change the cover and premiums by giving me 30 days notice. It beats me though how a 30 day policy can have a 60 day qualification period. An interesting combination! As someone who held a senior management position in the Post Office several years ago, I am amazed that the organisation allows its name to be associated with this type of product! http://www.moneysupermarket.com/community/forums/t/loss-of-earnings-39447.aspxWed, 04 Nov 2009 19:53:49 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:167772Joolsinthecrown2http://www.moneysupermarket.com/community/forums/t/loss-of-earnings-39447.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=167772Would it be usual for a small business to have an insurance policy to cover them for loss of income and to compensate staff wages due to natural flooding which resulted in damage to the premises and loss of electricity meaning that the business had to close for a day?http://www.moneysupermarket.com/community/forums/t/direct-line-wont-look-at-wifes-medical-history-39444.aspxWed, 04 Nov 2009 18:11:45 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:167763VAUXHALL1http://www.moneysupermarket.com/community/forums/t/direct-line-wont-look-at-wifes-medical-history-39444.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=167763My wife has applied for a life policy with Direct Line. As usual there were dozens of questions to answer and my wife is fairly sure that all seems ok. I pointed out to my wife that insurance companys will do anything to catch you out on a minor detail should a claim arise and to be extra careful when answering the questions. My wife has no significant problems that she is aware of but like many people I would imagine she cannot remember every single time she has been to the doctors in the last five years or what for. To me some of the questions were worded in such a way that unless you know your medical history inside out then you could get caught out. To be extra sure my wife phoned Direct Line and asked that they do request her medical history to be 100% sure so that they could not say that she hadnt disclosed anything at all in the application. Direct Line refused and said that unless she had an illness then they would not do it, I wonder if they would be so casual in the event of a claim ! It seems obvious to me that should they read her medical history and accept her then they are duty bound to pay out should the worst happen as everything has then been disclosed and this is what they are trying to avoid. This is something that worrys my wife and myself as we have four young children and a mortgage to think about. Basically does anyone know how we can get the insurance company to read my wifes medical history so that they can never say that they werent told all of the facts ? Thanks.http://www.moneysupermarket.com/community/forums/t/recommended-insurances-39249.aspxTue, 27 Oct 2009 15:35:24 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:167000Mynewt2http://www.moneysupermarket.com/community/forums/t/recommended-insurances-39249.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=167000 Hi All, Myself and my fiancee have been looking at our financial situation a little more closely now and are really wondering what (if any) insurances would be sensible to look into taking up (besides car insurance of course) Currently we&#39;re both in full time employment, and have a mortgage. There are no dependants yet but we&#39;re working on that one :D. http://www.moneysupermarket.com/community/forums/t/life-insurance-39332.aspxFri, 30 Oct 2009 15:05:16 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:167301tommy 1232http://www.moneysupermarket.com/community/forums/t/life-insurance-39332.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=167301Hi there, I took out a joint life insurance policy on my Parents 15 years ago, it was only to cover them for death just enough to cover their funerals, ive now paid more than the policy is worth, should I still have to pay this, they are mis seventies and still relatively healthy.Any advice would be appreciated.http://www.moneysupermarket.com/community/forums/t/claims-group-direct-ppi-claimback-39282.aspxWed, 28 Oct 2009 22:38:10 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:167128bluepeter272http://www.moneysupermarket.com/community/forums/t/claims-group-direct-ppi-claimback-39282.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=167128 Please could someone help me urgently, I am fast running out of time for the 14 day cancellation deadline. Claims Group Direct contacted me and determined that I may be eligible for claiming back mis-sold PPI. I have given them my card details to pay the &pound;150.00 which becomes due at the end of November (&pound;75 and the end of Dec &pound;75) I was stupid enough to give out those details but they claimed to be regulated by the Ministry of Justice with a 92% success rate. I have had time to read the small print and check them out on the internet but I can&#39;t find any feedback of successful claims but have found some pretty bad complaints. Is this company legitimate? Has anyone ever heard of any successful claims? Is it normal to need &pound;150 upfront? How do I stop them taking money from my account should I decide not to proceed? I have been stupid but I really was mis-sold the PPI on quite a few loans over the years so I should be actively pursuing this regardless. I hope someone can guide me. Thank you http://www.moneysupermarket.com/community/forums/t/life-insurance-39235.aspxMon, 26 Oct 2009 19:18:28 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:166909claire198811http://www.moneysupermarket.com/community/forums/t/life-insurance-39235.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=166909 Hi, I need a bit of help finding a good, but cheaper, life insurance policy. I am ages 21 and my partners ages 31. We are both in good health. We are currently paying a whopping &pound;86. 70 a month!!! Which looking on this website I shouldn&#39;t be doing! The "anniversary" of my policy is coming up on the 16th November- perfect time to change the policy- I&#39;ve only had the policy for 2 years. Any idea&#39;s or help!?! http://www.moneysupermarket.com/community/forums/t/payment-protection-insurance-39132.aspxWed, 21 Oct 2009 10:09:40 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:166487maina-ou2http://www.moneysupermarket.com/community/forums/t/payment-protection-insurance-39132.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=166487 Hi can anyone help me here. I was thinking in this current economic climate of taking out a Payment Protection insurance policy to cover my mortgage payments / car payments etc in the event of unemployment. Has anyone done the same / can anyone recommend anywhere, or would these policies but just as useless as many other insurance policies and not pay out should you lose your job? Any information regrading this would be great. http://www.moneysupermarket.com/community/forums/t/endowment-policies-39068.aspxSun, 18 Oct 2009 11:17:09 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:166206monalisasmiler2http://www.moneysupermarket.com/community/forums/t/endowment-policies-39068.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=166206 I am hoping someone can help. We cashed in our endowment policies last year to get married so currently don&#39;t have anything or life cover. I am 43 and my partner is 46 and I have 3 children. We would like a joint endowment policy that will mature in 10 years to give us a lump sum, Are these no longer available? Thanks in advance http://www.moneysupermarket.com/community/forums/t/life-insurance-39033.aspxFri, 16 Oct 2009 12:11:04 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:166092paula681http://www.moneysupermarket.com/community/forums/t/life-insurance-39033.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=166092Hi, can you tell me which companies would cover my husband who had a heart attack in May 04 & a triple bypass in Sept 04 please? I spoke with someone within moneysupermarket.com a year ago & they said to recontact when 5 years had passed as he probably had a better chance of getting cheaper cover by then.http://www.moneysupermarket.com/community/forums/t/life-insurance-bipolar-39040.aspxFri, 16 Oct 2009 13:42:46 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:166107KTW1http://www.moneysupermarket.com/community/forums/t/life-insurance-bipolar-39040.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=166107 Do you know of any insurer who would consider me for life assurance, I was diagnosed as bipolar in 2000 and have tried several times to take my own life the last one being 6 years ago. Thanks. http://www.moneysupermarket.com/community/forums/t/female-53-male-51-39048.aspxFri, 16 Oct 2009 19:35:54 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:166127ambercrystal1http://www.moneysupermarket.com/community/forums/t/female-53-male-51-39048.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=166127hi, my partner and i , need some sort of insurance, do we need to insure each other,so that when one of us dies,the other one will be provided for. how do i go about it? thankshttp://www.moneysupermarket.com/community/forums/t/life-insurance-39017.aspxThu, 15 Oct 2009 12:16:04 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:166013Fizgog19751http://www.moneysupermarket.com/community/forums/t/life-insurance-39017.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=166013I am a first time buyer and require life insurance against my mortgage. What do I need to consider and make sure I am covered for?http://www.moneysupermarket.com/community/forums/t/lif-insurance-to-cover-mortgage-38977.aspxTue, 13 Oct 2009 21:20:53 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:165855LP2http://www.moneysupermarket.com/community/forums/t/lif-insurance-to-cover-mortgage-38977.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=165855 My son has discussed a transfer of equity for his ex with the building sociey.A new application is being processed in mine and my sons names to enable him to keep the house.. Do I need life insurance to cover the total mortgage ? http://www.moneysupermarket.com/community/forums/t/redundancy-38807.aspxTue, 06 Oct 2009 21:50:38 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:165203st1ck3http://www.moneysupermarket.com/community/forums/t/redundancy-38807.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=165203HI it would be great if someone could help, me and my wife both work in the same department at the same company but on different shifts because we have 2 year old son. The company are changing the shifts from two to just a day shift out of are department of five workers they are reducing it to two and we have to reply for are jobs, they are offering redundancy or a different job but with a big pay cut we both can&rsquo;t work days. My question is would it be compulsory redundancy or voluntary because they are offering a different job, I have mortgage and loan protection but will not pay out if it was voluntary redundancy http://www.moneysupermarket.com/community/forums/t/life-insurance-38723.aspxSat, 03 Oct 2009 08:17:46 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:164881eladra1http://www.moneysupermarket.com/community/forums/t/life-insurance-38723.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=164881 Hi Emma, How many life insurance policies can I have? Liz http://www.moneysupermarket.com/community/forums/t/life-plan-38727.aspxSat, 03 Oct 2009 13:39:30 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:164894Lifelite2http://www.moneysupermarket.com/community/forums/t/life-plan-38727.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=164894 Hi, In 1999 we took out a Lifestyle Plus Plan with Zurich Insurance as advised by an independent Financial Advisor. Since 1999 we have been paying &pound;61.00 per month for &pound;60,000 cover. (we have never needed to make a claim - thank goodness) Zurich have recently reviewed our plan and we received a letter from them outlining 2 options Option 1. To keep our current level of cover at &pound;60,000 for a further ten years but to secure the current level of cover we need to increase our payment from &pound;61.00 to &pound;99.00 per month. or Option 2. Not to change and keep our monthly payment of &pound;60.00 but the cover will reduce from &pound;60,000 to &pound;24,551. To us the increase seems a bit hefty. As we have had the cover for so long we don&#39;t want to be without it, but we need some advice before we decide what to do. Can you advise how we can bring down the premium without losing or compromising on cover or can you suggest another way forward. Thank you