http://www.moneysupermarket.com/community/forums/insurance-103.aspxHave 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 (Build: 0.0)http://www.moneysupermarket.com/community/forums/t/the-oscars-53841.aspxMon, 25 Feb 2013 14:07:14 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:214371Community4http://www.moneysupermarket.com/community/forums/t/the-oscars-53841.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=214371 How much do you think it would cost to insure an Oscar award?! http://www.moneysupermarket.com/community/forums/t/laptop-insurance-older-than-12-months-53639.aspxWed, 05 Dec 2012 18:52:52 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:213740slashdot2http://www.moneysupermarket.com/community/forums/t/laptop-insurance-older-than-12-months-53639.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=213740Hello, I'm having problems finding an insurance company that will insure my macbook pro. I bought it last August and have only just got around to (trying to) insuring it - poor effort, I know - but all the companies I found insisted that it was purchased in the last 12 months. Any ideas or suggestions? Please and thank you. Clarehttp://www.moneysupermarket.com/community/forums/t/car-written-off-dealing-with-negoiator-53608.aspxMon, 03 Dec 2012 23:53:52 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:213635cdavies1http://www.moneysupermarket.com/community/forums/t/car-written-off-dealing-with-negoiator-53608.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=213635Hi all I need some advise please. I wont yet mention the company as i am still in the process of claiming on the other parties insurence. however i need some advice on how i was dealt with by the negotiator on my car that is written off. my insurer and that of who dealt with looking at the car is all owned by same company or group of companys. I have a vectra s reg nice condition before someone went in to the back of me at 40mph when i was stationary and also pushed me into the car in front. Now my insurer negotiator said my car was worth £250! when i argues a little and said i just had over £1400 worth of new kit to the engine just 2 months prior he only added £150 to a total of £400 saying that is the max he will go to. I was not happy of this as my personal circumstances means i need a car no matter what. I have no savings and what ever i get from the settlement is all i have! £400 is not going to put me back on the road with a suitable like for like car. I went away and looked online and talked to a friend of mine. I found out that my car should be worth around £800 going by local adverts for similar car of age and make and model. Cheapest was £450 and highest was £1995. scrap or cars with engine problems were at £350! more than what he said he would give me for mine when it was fully working and good condition. I have since found that the IBA have changed terminology in march on settlement claims so that they reflect and put you back in the financial position as per before the accident because the like for like term was being used wrongly by insurers and being abused and was ambiguous. The car also just past its MOT, had full service and was running perfect. the reason why it had so much done to the engine was down to halfords monkeys breaking my car everytime it went in. unable to find the cause of it cutting out when slowing down. turns out is was a hose from the body throttle which was cut and they missed 8 times. Instead costing me £600 in parts and not fixing the problem before they messed up big time by putting the fan belt on wrong and it getting wrapped up around alternator when driving and causing a lot of damage to several areas. they replaced and fixed all damage and car was running good after with brand new parts. They also done lots of other tests to make sure the car would not have to come back in as i made several complaints high up. So thats the reason for so much work in the engine. £The £1400 value is what the parts cost them to buy so to have been fitted and done normally it would cost 3k. anyway does anyone here know of legislative rules they need to ad-hear by when negotiating? i think his offer is shocking. would they be looking to profit out of my miss-fortune? Surely i should not be disadvantaged by someone driving into my car! My last email to him was that i want £800 or we have a argument over it as i cannot except less. I need a vehicle so that i can pick up my 2 little boys on weekends, without a car i am screwed. So i just cannot let this company work one over me. any help would be greatly appreciated. i will name them after it is settled as i dont want to bad mouth an entity that may actually at the end do the right thing. But i would like to be prepared as much as possible with ammunition etc in case they argue. I am prepared to fight them on this all the way. I have to! Thank you http://www.moneysupermarket.com/community/forums/t/car-insurance-issue-53416.aspxThu, 18 Oct 2012 15:09:58 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:213050Beauty3http://www.moneysupermarket.com/community/forums/t/car-insurance-issue-53416.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=213050My husband passed his test a few years back and to save money, he was a named driver on my policy rather than havinghis own. He had a couple of small bumps during that time and now has his own policy on which both of these incidents were declared, hence his premium is high. However, when I came to renew my policy this year through the RAC, my premiums doubled as they took away my No Claims Protection. I currently have more than 9 years NCD which is still in place but the Protection has been lifted. I spoke to them and told them that both incidents were my husband&#39;s and were accounted for on his policy but they said that didn&#39;t matter as I was the policy holder at the time. Surely this is wrong? It means both of us are being penalised by way of higher premiums. Can someone advise? http://www.moneysupermarket.com/community/forums/t/payment-protection-insurance-53168.aspxSun, 30 Sep 2012 11:09:21 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:212393AMK581http://www.moneysupermarket.com/community/forums/t/payment-protection-insurance-53168.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=212393I am sure that this matter has been discussed a great deal, however,, I have only just started to think about the payment protection insurance that I have been paying. When I took out insurance on my credit cards I worked on a full-time basis. I then left my job and worked on a "self employed basis" - as such I feel that I have been paying for something that I has not been covered by the insurance that I have been paying for. I feel that I was misold PPI because: I did not know that a change in job circumsances meant that the insurance was invalid - do I have a case? http://www.moneysupermarket.com/community/forums/t/problems-with-refund-of-premium-53140.aspxThu, 27 Sep 2012 08:14:39 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:212332waders1http://www.moneysupermarket.com/community/forums/t/problems-with-refund-of-premium-53140.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=212332Hi all, was wondering if anyone had the same problem as me or could shed some light on what i can do. i will explain. ` i was insured by hastings direct i called up on the 21st august 2012 and cancelled my policy i was due a refund of £345 and was told it will be sent via cheque. i called back on the 6th september and told them i hadnt received the cheque so they decided it would be best to cancel the cheque and issue a BACS payment which would take 3 days to cancel the cheque and a further 3 days to process the BACS. so i called back on the 14th September and told them i hadnt received a payment to which they replied there was an error processing the BACS so now they would have to cancel the BACS which takes 3 days and 3 days to re-issue. today i called and said i still havent had anything he said the same usual answer going to have to cancel and re-issue. so far ive been offered two compensation cheques one for £10 and one for £15 neither i have recevied or expect to receive. please anyone who knows of anything or anyone i can approach to speed things up would be great. i have also been advised im loosing potential interest on the £345 which i told hastings but they said well we have issued compensation...... Thanks In Advance Wadershttp://www.moneysupermarket.com/community/forums/t/warning-cooperative-insurance-is-run-by-axa-and-m-53030.aspxSun, 16 Sep 2012 10:38:22 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:212048drstevok1http://www.moneysupermarket.com/community/forums/t/warning-cooperative-insurance-is-run-by-axa-and-m-53030.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=212048I am copying a complaints letter here so people buying Co-operative home insurance can be-aware of who they are actually dealing with. Dear Co-operative Insurance Reference 0412b12356 On August 28 2012, I called the HomeRescue helpline as the sewer under our house had blocked and there was sewage floating in the back garden. Your customer services contact took some details and then explained that we were not covered. The issue seemed to be two-fold: that the pipe that ran from the only toilet in the house came down an external wall before descending beneath the house. This therefore apparently fell outside your remit despite your website stating that you covered 'plumbing problems relating to blocked drains, leaking pipes, leaking radiators, water tanks or blocked toilet waste pipes within the home'. that this was not an emergency because it 'did not constitute a health risk' (your representative's words not mine). It seemed that your team have decided that it is possible to define the precise location of a problem over the telephone, and the basis of your telephone assessment you determined that the blockage was related to an external pipe. At which time, you deny responsibility and leave the issue back with your (soon to be ex-) customer. You cannot make such judgements reliably on the basis of a telephone assessment, and even if it did involve part of an external section of pipe then reading the advertising text above one would not assume that because a pipe happened to run down an external section of wall rather than an internal you would cover this. I thought the Co-operative was a mutual which held its members interests at heart. I did not realise that I had become the customer of an organisation that only cared about profits, and put the principle of an agreement (the homerescue contract) beneath the small print and detail. You left us with a garden full of sewage at 6pm with no help. We have two small children, and no alternative toilet in the house. I assume I do not need to explain the idiocy of the second statement in further detail. I insisted that a manager call me back which did not happen until the following morning, and in the meantime arranged privately to have the sewer unblocked. When your manager spoke to me, she decided that in fact we were eligible for cover. Something that I would never have known had I not made the effort to complain. This seems to prove the point that it is impossible to accurately judge whether a customer's problem is covered by your policy over the telephone. Your default should be to offer assistance with the caveat that the charges might need to be met by the customer. Instead your default is to deny responsibility, and thereby guaranteeing that apart from those of us who pursue this issue further, there is no chance you will put your profits at risk. I am genuinely disappointed that the Co-operative is associated with such practices, although since I have now discovered that you contract this out to Axa (a for-profit company) then at least I understand the source of this mercenary policy. I will post this message on the following websites so others are aware of the problem. Sincerely Steve Harris http://www.moneysupermarket.com/community/forums/t/endowment-insurance-for-mortgage-diabetic-53018.aspxThu, 13 Sep 2012 19:14:00 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:212004Sashasmum1http://www.moneysupermarket.com/community/forums/t/endowment-insurance-for-mortgage-diabetic-53018.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=212004 We took out a 25 year mortgage which is due to end in a year&#39;s time. I am a type 1 diabetic and was asked to undergo medicals before I was accepted for life insurnace. I was told at the time that our premiums would be loaded as I was diabetic. We had no choice in this matter and it always aggrieved me that my husband and I have had to pay higher premiums - my husband has had to do this because of my health. Now here we are 24 years later and my health has not deteriorated and I continue to work full-time. Has anyone out there also been penalised in this way? http://www.moneysupermarket.com/community/forums/t/fsacomparison-site-gtinsurers-data-transfer-52826.aspxTue, 28 Aug 2012 20:39:10 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:211509huckster1http://www.moneysupermarket.com/community/forums/t/fsacomparison-site-gtinsurers-data-transfer-52826.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=211509 Just thought I would add a sticky post to retain some useful info posted by Dacouch. Insurers/Brokers are liable for any information that is not transferred over correctly from the Comparison site. So if you arrange cover via a comparison site and the Insurers/brokers ask for additional premiums due to information being incomplete following transfer from the comparison site, you can complain citing these. http://www.fsa.gov.uk/pages/consumerinformation/product_news/insurance/price_comparison/index.shtml http://www.fsa.gov.uk/pages/consumerinformation/product_news/insurance/price_comparison_guidance/index.shtml http://www.fsa.gov.uk/pubs/guidance/fg11_17.pdf http://www.moneysupermarket.com/community/forums/t/unsettled-claim-after-2-years-52695.aspxWed, 15 Aug 2012 13:38:35 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:211111jacman1http://www.moneysupermarket.com/community/forums/t/unsettled-claim-after-2-years-52695.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=211111 we had an accident where someone pulled away from the lights in front of us, then braked suddenly and we went into the back of thier car. The damage was slight and he originally agreed to settle outside the insurance company. He left it for 3 months after we asked him to get quotes to repair the damage, phone at an inconvienent time and we asked him to call back another time. The next we heard was a solicitors letter 8 mnths after the original impact, claiming damage and personal injury (whiplash) The accident happend in Sept 2010 but the other party has still not confirmed the injuries and therefore the claim is still open. Do we have to declare this open claim when renewing our policy again this year? http://www.moneysupermarket.com/community/forums/t/problems-flagged-1-month-after-taking-insurance-52646.aspxThu, 09 Aug 2012 19:48:50 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:210931GrampsDa3rd4http://www.moneysupermarket.com/community/forums/t/problems-flagged-1-month-after-taking-insurance-52646.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=210931This is long and involved so I&#39;ll try and keep it as short as possible. 3 years ago my car was insured with LV via a web broker (I assume) using good old moneysupermarket. The following year the &#39;Renewal Quote&#39; from LV was extortionate so went back to moneysupermarket and got a quote direct from LV a lot cheaper than the &#39;renewal&#39; so went with that. About a month later got a letter saying there was a problem with something I hadn&#39;t declared. Long story short - after much dancing about seems they got it wrong - it was something to do with my wife (not me) in a her car (not my car) on a different insurance. Got an apology, refund of the extra money I&#39;d paid, problem sorted. This year got an email quote from Zurich (via moneysupermarket) about 3-4 weeks before my renewal date so nearer the date I checked it out and decided to go with them. Yes you got it - some problem has been flagged up (always after they got our money isn&#39;t that strange?) on the CUE register and it&#39;s something that happened in 2009 but the person involved at Zurich doesn&#39;t seem to know what the details on the CUE are about. First is was a &#39;disallow&#39; but now it seems it&#39;s a &#39;claim&#39; but whatever, it&#39;s against my name. Now I have a letter from LV stating I have 8 years no-claim which anybody would assume means I haven&#39;t had an incident since 2004 (no I haven&#39;t used protected no-claims either) which would mean if you look at it logically then LV are committing fraud (love to see that one in court). Anyway, Zurich or their underwriting department are now demanding I jump through hoops it seems. They&#39;ve demanded I contact the insurance companies regarding this incident on the CUE register to clear my name which we all know will mean spending time and money sitting for endless hours in telephone queues waiting to speak to a human being and I won&#39;t have a reference number to quote which will just compound the problem. BUT they&#39;ve also asked for copies of my V5 and driving licence which I&#39;ve never been asked for before in my life (which makes me think this is some sort of elaborate scam but I&#39;ve checked the email address and it seems genuine) under threat of cancelling my insurance if I don&#39;t do this within 7 days. To cap it all the email reply from Zurich has been sitting in BT&#39;s spam folder on their server for 7 days. Now the only thing that have changed since I got my car back in 1999 (those were the days) is my declared annual mileage (different job lot less miles) and of course the fact we are all getting older but the insurance is not getting any cheaper. It just really peev&#39;s me that the insurance approached me with a quote and has since 2009 to check me out but it&#39;s only now (now they have the money) they suddenly realise there&#39;s a problem. So where do I go from here?http://www.moneysupermarket.com/community/forums/t/churchill-car-insurance-unbelieveable-excess-for-52621.aspxMon, 06 Aug 2012 16:36:07 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:210844Maus1http://www.moneysupermarket.com/community/forums/t/churchill-car-insurance-unbelieveable-excess-for-52621.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=210844 After years of a clean driving licence my husband reveived a 3pt speeding penalty. He informed his insurance company, Churchill, who increased his premium by 50%!! Luckily he was only originally paying around &pound;200 which went up to &pound;300 and when we queried the enormous increase we were informed the underwriters said it could have been much more! This query took almost 3 months to be answered which also makes us wonder what would happen in the case of reporting an accident, also what the added premium would be then! Sorry Churchill, not impressed. http://www.moneysupermarket.com/community/forums/t/course-fees-insurance-52616.aspxMon, 06 Aug 2012 09:08:04 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:210821SH82http://www.moneysupermarket.com/community/forums/t/course-fees-insurance-52616.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=210821 Hi, Does anyone know of an insurer who will cover course fees? I have been offered an unconditional place for uni part-time despite declaring my M.E/CFS in which I am very good recovery. It would just help me maximise the potential of the opportunity - which is something I could only have dreamed of not that long ago - if I felt my fees would be covered if, for any reason, I have to withdraw.I just REALLY hope someone can help me. I am 60!!!!!!!!!!! Thanks. http://www.moneysupermarket.com/community/forums/t/budget-insurance-services-ltd-still-up-to-their-o-52570.aspxWed, 01 Aug 2012 13:01:04 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:210668Iain Gallagher6http://www.moneysupermarket.com/community/forums/t/budget-insurance-services-ltd-still-up-to-their-o-52570.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=210668 Hi. Some of you may remember me getting in touch last year about BISL trying to bully me into paying them almost &pound;300 for a months insurance after they had:- A. Hiked up my policy premium by approx 25% after 9 years of no claims. B. Having not sent me a renewal notification they then renewed the policy automatically as they do. C. Policy renewal date was April 29th 2011 yet the renewal documents did not arrive before I went to Scotland for a fortnight (May 7th). The "cooling off period" therefore expired whilst I was away and because I had "failed to sign & return the credit agreement within the cooling off" period BISL then wanted to fine me an additional &pound;15!! Through the helpful people on this forum I then challenged BISL by registered letter after cancelling the direct debit mandate I held with them. Little by little, the &pound;300 or so they claimed I owed them and that they said they would collect via debt collection agency if necessary, was reduced to zero over only a fortnight or so. This resulted in my being interviewed by Flame TV and appearing on the TV show don&#39;t get done get Dom (so what you might rightly say!) Anyway! My partner who is also insured through BISL via ibuyeco is now having fun. Back in March she was shunted by another driver into a vehicle at a pelican crossing. Ibuyeco were contacted with all of the necessary details and eventually my partner was contacted via the insurance company asking her to take the car to a motor repairer to be assessed & repaired which eventually it was. Minster Law also contacted my partner and proceedings began against the driver of the vehicle responsible for the shunt to claim for all costs. This was eventually successful and it was declared that my partner was not at fault for the accident. BISL appear to take a different view though. Documents for my partners insurance renewal appeared a month ago and indicated a massive price hike desite the blame outcome, my partner, already dissatisfied with BISL&#39;s apparent indifference to the issue of her claim wrote directly to them asking why, in the event of a not at fault verdict being arrived at, had they decided to virtually double her premium? She also told them that she did not want to renew the policy on that basis. BISL have failed to respond to that letter until today. I believe it was sent over three weeks ago. Their reply - we are looking into the matter of your complaint. And in the meantime, despite her telling them not to renew the policy, as the last policy was paid for with card details, BISL have used these details once again, to collect the value of the hiked premium - &pound;578. I&#39;d really like to see BISL be put out of business for good. What CAN we do about them? http://www.moneysupermarket.com/community/forums/t/contents-insurance-on-unfurnished-rented-property-52550.aspxTue, 31 Jul 2012 14:40:59 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:210629Footsy1http://www.moneysupermarket.com/community/forums/t/contents-insurance-on-unfurnished-rented-property-52550.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=210629My wife and I have recently moved into a rented property which was unfurnished. We've recently gone out and bought a new TV, sofa, bed and table, and suddenly realised that we'd spent quite a lot on all this gear (about £3.5k all-in-all), so thought about getting some kind of insurance just in case. But after looking briefly online, we're not really sure what seems like a good deal and how much we might require. Can anyone help? http://www.moneysupermarket.com/community/forums/t/house-sale-in-peril-52209.aspxThu, 05 Jul 2012 07:09:19 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:209683Jamie8222http://www.moneysupermarket.com/community/forums/t/house-sale-in-peril-52209.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=209683 Hello, I am currently in the process of selling my freehold semi with its associated lease hold garage. The garage is situated under a coach house which is owned and subsequently let out by another party. The purchasers of my property have asked for the block insurance for the building where my garage is situated. I understand that this is provided to me by the freehold owner of the coach house. Unfortunately I have never had a copy of this document, yes I know that this is rather stupid and I should have asked for a copy of it for myself earlier. The problem I have is that the guy who owns the property has just deployed to Afghanistan and is non-contactable for upwards of 8 weeks!!!! Is there any way I can find out the policy he has from a insurance body or is there any way i can purchase insurance myself on the garage. Im worried the potential new owners will not be too happy about waiting an additional 8 weeks plus !! Any help or ideas would be greatly appreciated. J http://www.moneysupermarket.com/community/forums/t/car-insurance-issue-52092.aspxThu, 21 Jun 2012 20:46:42 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:209380baldric1093http://www.moneysupermarket.com/community/forums/t/car-insurance-issue-52092.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=209380 Hello, I need help please; my partner is a career, which means she travels to different clients each day. The issue I have is that sometimes she is asked to take the clients out, could be to the shops or to the seaside, using her own car. My partner has business insurance but we are not sure if the client is covered to be carried in the car. We have spoken to our agent and believe it or not they don&rsquo;t know either, can someone help me please. Many thanks Baldric http://www.moneysupermarket.com/community/forums/t/post-office-car-insurance-rip-off-52090.aspxThu, 21 Jun 2012 13:31:22 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:209374barf682http://www.moneysupermarket.com/community/forums/t/post-office-car-insurance-rip-off-52090.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=209374just changed my car, contacted my current insurer, the post office, for a quote to change over my insurance. They quoted me &pound;600 above the best alternative quote i got, then charged me &pound;198 to cancel my current policy! Bunch of thieves, cant wait until the next time i&#39;m standing at the counter & they try to sell me one of their insurance policies!!! http://www.moneysupermarket.com/community/forums/t/problem-with-hastings-direct-52054.aspxSun, 17 Jun 2012 11:54:21 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:209268hoppa3http://www.moneysupermarket.com/community/forums/t/problem-with-hastings-direct-52054.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=209268can someone advise me please on this problem. a 13 yr old child hit my car in august last year. hastings have kept file open incase child makes claim against me for criminal injuries. i tried to leave hastings but could not because of the extra cost to my premium because of this problem. i have now renewed with them and its aggravating me as to wether or not to make a claim and get these damages paid for through my insurance. as file is still open its classed as a fault,so im thinking if im being penalised then why dont i just make a claim anyway. ive asked hastings what the extra cost to my premium would be if i make this claim,bearing in mind i have max ncd. my excess if i have this correct is 0 and comp excess is £95.00. i keep asking hastings for answers and this is the reply they have given me,they refuse to speak to me and have said if im unhappy to go to ombudsmen................ "Mr Kirsopp had the misfortune to be involved in a collision with a cyclist. Mr Kirsopp considers the cyclist to be at fault but as TP was a minor and circumstances could be interpreted by a Court to show PH had some liability we could have some exposure. TSUNIT will leave claim open at least until anniversary of incident (August). IF TP has not made a claim by then it will be closed as Non- Fault and PH could ask U/W to recalculate the premium. IF TP claims and we have an outlay then claim will be closed as fault and premium will remain as it is. IF ph wants his vehicle repaired under this claim he will have to pay xs and the claim will stay as fault even the TP does not claim as we will be unable to recover our outlay from a minor. In Mr Kirsopp’s position I would repair the car myself as cheaply as possible – keep the repair documents and IF there is a successful TP claim submit them to us for reimbursement as at that point it would not further prejudice his position. I hope that the above resolves your complaint" can anyone with insurance knowledge advise me what to do please. Do I just leave it and get my repair done privately,or do i make a claim and incur a higher premium. i feel i cant get the answers i want from them. how long does fault stay on insurance? how long will i be penalised for? how long is it before i wont be able to make a complaint. i do want a clean bill of health as it were with my insurance,just feel very frustrated with this company,i mean are they doing everything correctly. would really welcome some sound advice so that i can move on. http://www.moneysupermarket.com/community/forums/t/uk-expat-living-in-uae-seeking-insurance-for-own-52030.aspxThu, 14 Jun 2012 08:56:58 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:209190Expat in UAE2http://www.moneysupermarket.com/community/forums/t/uk-expat-living-in-uae-seeking-insurance-for-own-52030.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=209190 I have lived in the UK for over 45 years and have taken the opportunity to work in UAE for a few years. I have been trying to insurance my own car in the UK whilst I am working overseas so that I can use it on the 5 weeks that I return to the UK on leave. I also understand that it is a UK legal requirement to insurance my car, even whilst it is off the the road. I have found it increasingly difficult to find an insurance company that will quote, yet the risk must be minimal. Can anyone suggest an insurance company that has the commercial sense to quote for this business? UK Expat in UAE http://www.moneysupermarket.com/community/forums/t/smashed-phone-52002.aspxMon, 11 Jun 2012 19:43:47 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:209101smashedphone4http://www.moneysupermarket.com/community/forums/t/smashed-phone-52002.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=209101Has anyone else,apart from hundreds on Facebook,had problems with &#39;Protect your bubble&#39; I have been trying to contact them for weeks about a smashed phone.Their 0844 number keeps you hanging on for over an hour and you give up.They never reply to emails.they never reply from contact on their website.But if you call their number which is for sales and not a 0844 number,that answer straight away.http://www.moneysupermarket.com/community/forums/t/dear-prime-minister-50538.aspxTue, 14 Feb 2012 09:39:45 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:205409Tax payer5http://www.moneysupermarket.com/community/forums/t/dear-prime-minister-50538.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=205409I understand that you are meeting the 'Insurance Companies ' today. Please be careful because they will stab you in the back as well. To check their integrity and honesty simply ask your own public funded Office of Fair Trading, Ombudsman service, citizens advice etc etc. These companies, many of whom hide behind household names such as Marks and Spencer and your favourite company John Lewis, formed, financed and prospered from these claims companies. How many of these insurance companies and their broker friends are privately owned companies ( with all the regulatory advantage of that ). They have had it too good for too long !!!! They are only playing a game with you today. They created the mess, what they need is strong and positive regulation NOT BOWING DOWN TO THEIR BLEETING !!!!!. Reportedly there are 1.5 million uninsured drivers 'out there', you keep telling us that crime is going down, so apparently they are not criminals. I agree.... they are simply people who have lost faith in the insurance companies. THEY ARE THE NEW BANKERS SO BEWARE !!!!!!!!!http://www.moneysupermarket.com/community/forums/t/cannot-register-car-without-insurance-51369.aspxThu, 19 Apr 2012 18:54:11 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:207504leet5http://www.moneysupermarket.com/community/forums/t/cannot-register-car-without-insurance-51369.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=207504 We have a problem. We have bought a brand new car, not through a dealer but direct from an insurance company as smoke damaged (The car has no smoke damage at all, just happenened to be on the forecourt which caught fire). We are trying to register the car with the DVLA, our problem is they won&#39;t register it without it been insured and I can&#39;t get insurance from anywhere as the car doesn&#39;t yet have a regestration number plate from the DVLA! We have been told by the DVLA to get Chassis Insurance but no one seems to do this they all need a registration number. Please someone help as we are at our wits end here http://www.moneysupermarket.com/community/forums/t/ppi-insurance-to-continue-or-not-51805.aspxSat, 26 May 2012 13:36:27 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:208559qwertyuiop6http://www.moneysupermarket.com/community/forums/t/ppi-insurance-to-continue-or-not-51805.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=208559Hi I took out PPI 2 years ago when i had my first mortgage - i was a bit of a green horn and took the advice - im now questioning whether the benefits are worth the payments. I know there's alot in the news of missold PPIs at the moment - i don't believe that i've been missold, im just not sure if the coverage is necessary. My insurance costs around £12.50 per month and covers £200 of the mortgage (which is roughly half of the monthly payments). It will not pay out in the first month and covers a max of 12 months. I have managed to over pay my mtg by about £4000 in the first two years, so i am thinking that i'd probably be able to get a payment holiday anyway - if not for 12 months then for a considerable time. I consider my job reasonably safe, however in this climate, who knows. Opinions very much appreciated. Thanks very muchhttp://www.moneysupermarket.com/community/forums/t/car-insurance-mandatory-or-optional-51837.aspxTue, 29 May 2012 12:33:37 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:208658How to Healthcare for Senior Citizens2http://www.moneysupermarket.com/community/forums/t/car-insurance-mandatory-or-optional-51837.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=103&PostID=208658There is Much misinformation and ambiguity surrounding the topic of car insurance, with a lack of clarity about whether car insurance in mandatory or optional. Normal 0 false false false EN-US X-NONE X-NONE MicrosoftInternetExplorer4 /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin:0in; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:minor-bidi;} According to the law, it is mandatory that there is vehicle insurance for every vehicle on road. However, a typical car owner might ask, &lsquo;Why do I need to pay premiums on vehicle insurance when I might never meet with a road accident?&rsquo;