http://www.moneysupermarket.com/community/forums/the-expert-view-insurance-138.aspxenCommunityServer 2.1 (Build: 0.0)http://www.moneysupermarket.com/community/forums/t/payment-protection-insurance-vs-income-protection-53548.aspxSun, 18 Nov 2012 11:42:33 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:213436debz1113http://www.moneysupermarket.com/community/forums/t/payment-protection-insurance-vs-income-protection-53548.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=138&PostID=213436 Hi I wonder if anyone can help me. My partner and I are trying to really look at our finances and get to grips with everything paid out. We have a mortgage, a loan, credit cards etc and seem to be paying out PPI on each thing. Recently my partner almost got made redundant and although the mortgage, loan etc would have been paid through this it got me thinking that the PPIs don't cover, gas/elec, petrol costs etc. My question is, would we be better cancelling all these and taking out income protection insurance instead? Many thanks http://www.moneysupermarket.com/community/forums/t/insurance-excess-at-fault-accident-53154.aspxThu, 27 Sep 2012 21:44:23 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:212354eggysplat2http://www.moneysupermarket.com/community/forums/t/insurance-excess-at-fault-accident-53154.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=138&PostID=212354Hi All Just wondering, had a small scrape in my car tonight. My car is built like a tank so has no damage but, I've put quite a nasty scuff in the bumper of the other car and, took the number plate off. Trust me though to find the only bloody Porsche in the car park!! *sigh* Just wondering, if the repairs are going to cost too much, then it will have to go through the insurance. If that did happen, I know that the other party will need to pay their excess and claim it back from my insurance. What would happen with the amount claimed back off my insurance though... would I need to pay my excess and the insurance company pay the rest or, does my insurance company pay the whole lot out? *confused* There's no clear explanation of this anywhere on the internet as far as I can see :( Any advice would be much appreciated. TIA Darylhttp://www.moneysupermarket.com/community/forums/t/sickness-and-unemployment-insurance-52965.aspxMon, 10 Sep 2012 09:26:06 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:211857gr11http://www.moneysupermarket.com/community/forums/t/sickness-and-unemployment-insurance-52965.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=138&PostID=211857 last year my husband suffered respitorary and cardiac arrest at home and was dead for 3 -4 mins. It took me 6 months to get our insurance to pay out for our mortgage payments. My husband had a permanent job but once he was ready to go back to work, his employer refused to make the necessary changes to my husbands job so that he could continue. He was offered a job somewhere else that was possible going to be easier and as we didnt know if he would last a day or a week because of his now longterm lung disease, and because we were paid or mortgage payments one month in arrears i stupidly didnt realise you didnt have to let insurers know immediatly and told him to hang on for 2 weeks until he was sure he could do the job and then we would let insurers know. When we did tell them 2 wks later we were told we had committed fraud and would have to return £500 and they would no longer be able to insure him any more. I disputed this and explained my mistake offereing to pay back the 18 days over they had paid us. they agreed to this but still wont insure us and now my husband is becoming ill again and is looking at handing in his resignation but we have no insurance for our mmortagage and dont know what to do. Were insurers correct in cancelling our policy or were they wrong to do so? if they were correct do you think any other insurer will take my husband on for sickness and unemployment cover. thanks http://www.moneysupermarket.com/community/forums/t/car-insurer-wont-even-look-into-claim-advice-plea-52077.aspxTue, 19 Jun 2012 15:03:05 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:209339bikerbabe5004http://www.moneysupermarket.com/community/forums/t/car-insurer-wont-even-look-into-claim-advice-plea-52077.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=138&PostID=209339 Hi there I have had some fab advice from this site before, and am hoping someone can offer some this time! My hubby was cycling home from work a month ago, when a car driver infront of him indicated and started to turn left, then changed her mind and pulled right, causing him to crash over the bonnet of her car, breaking his finger and his bike! We have a witness to the accident, it has been reported to the Police and he has been to Hospital and also has a Physio appointment for this week. We spoke to her Insurers - Direct Line who asked hubby to get 2 independent reports from Cycle shops regarding the cost of repairs to the bike. We did this and sent off the info a couple of weeks ago. On chasing this up today, hubby was told that their client denied that she turned left, said that he crashed into her (yeah, I'll just deliberately drive into a car at 25 miles an hour) and they were not even going to investigate it! Told him to get legal help himself as he would need it! First question is - why would Direct Line ask him to get damage reports from bike shops if they were not even going to investigate? Secondly, surely every single person who has an accident is going to deny responsibility, of course they are, so do they not bother investigating anything? Not quite sure what to do now, other than a No Win, No Fee thingy, which we don't really want to do. Any advice would bre gratefully received! http://www.moneysupermarket.com/community/forums/t/low-volicity-impact-personal-injury-claim-51808.aspxSat, 26 May 2012 14:08:42 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:208563Lyn_h531http://www.moneysupermarket.com/community/forums/t/low-volicity-impact-personal-injury-claim-51808.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=138&PostID=208563After a very low speed impact (on a McDonalds drive through) not only is the other party claiming for damage to their vehicle but has now put in a claim for whiplash!! Does anyone have any helpful information?http://www.moneysupermarket.com/community/forums/t/brand-new-car-insurance-value-and-gap-51583.aspxTue, 08 May 2012 20:39:26 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:207996Vannie1http://www.moneysupermarket.com/community/forums/t/brand-new-car-insurance-value-and-gap-51583.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=138&PostID=207996Hi, I'm buying a brand new car from the dealer and I have got gap insurance from the dealer as well. My question is: What value should I insure the car for? The brand new price quoted total? £35000 The price after dealer discoutn £30000 The price up to the GAP insurance value £35000 - £8000 = £27000 Thanks Vanhttp://www.moneysupermarket.com/community/forums/t/no-claims-51443.aspxThu, 26 Apr 2012 19:48:15 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:207697antwan dundee2http://www.moneysupermarket.com/community/forums/t/no-claims-51443.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=138&PostID=207697Just wondering if it was possible to combine no claims I have 3 years on car had 8 but other half crashed n works out the magic of max 5 years insurance company say is the max they use they took 2 years off for the accident so works out they say was off the 5 not the 8 so last year had 8 this year 3 joke if you ask me but what I was wondering is I have 5 years on my van policy so is there anyway that these no claims could be combined as I don't want to need to keep my van and car going as getting to expensive but also don't want to lose the no claims on whatever one I don't have for 2 years and would just like to find out if and how it could be done feel kind of ripped of with them only giving me 3 years after going in with 8 but hey suppose that's insurance companies wasn't even me that crashed aswell lol was named driver but anyhoo if anyone has any advice Thanks in advancehttp://www.moneysupermarket.com/community/forums/t/car-accident-with-manufacturing-defect-or-failure-51399.aspxMon, 23 Apr 2012 18:23:25 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:207599calltobala3http://www.moneysupermarket.com/community/forums/t/car-accident-with-manufacturing-defect-or-failure-51399.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=138&PostID=207599Hello Expert I have a question for you. I think you are aware of the failure of EPS fault in Vauxhall Meriva Cars and vauxhall couldnot find a solution for this. It is a fault suddenly happens and steering become very stiff and you can't turn wheels. This has come up in BBC watch dog and VOSA , vauxhall owner campaign etc., Lets say the car is on a accident because of Electric power failure in Vauxhall meriva's. On investigation what will the insurance companies say? Is it going to be a owners fault or you will suing Vauxhall company? What does the law say? Thanks http://www.moneysupermarket.com/community/forums/t/legal-protection-cover-51317.aspxMon, 16 Apr 2012 17:45:04 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:207347IanRD1http://www.moneysupermarket.com/community/forums/t/legal-protection-cover-51317.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=138&PostID=207347If I have already paid for legal protection cover through my car insurance do I need to take it again when I insure my moped or caravan? http://www.moneysupermarket.com/community/forums/t/cancellation-charges-51047.aspxTue, 27 Mar 2012 12:52:46 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:206721ann_m2http://www.moneysupermarket.com/community/forums/t/cancellation-charges-51047.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=138&PostID=206721 Our car insurance is not due until 24/4/12, my husband had been pestered by current insurer to renew, and this all happened before we could do a search ( before 30 days). - anyway he agreed over the phone to renew. I was not happy, and did a search a few days later, only to find it much cheaper through this site. My husband phoned to cancel today, to be told he has to pay £57 cancellation. 1. the insurance doesn't start till 24/4/12 2. nothing was signed 3. no cooldown period as it was done over phone 6 days ago. Is this legal to charge a cancellation without getting 14 days to change our mind? http://www.moneysupermarket.com/community/forums/t/one-way-travel-insurance-50895.aspxMon, 12 Mar 2012 09:53:44 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:206296Kokinoman4http://www.moneysupermarket.com/community/forums/t/one-way-travel-insurance-50895.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=138&PostID=206296We have a holiday property on the Greek island of Crete, and do not need travel insurance to cover the period whilst in Crete. We need to find travel insurance to cover just the flights from the UK to Crete, and of course the return leg from Crete back to the UK. The policy needs to be for travellers aged over 70, and needs to cover a range of pre-existing medical conditions. European Annual policies are not applicable, as they seem to only cover a maximum 31 day stays at our age, which is insufficient duration for us, and they also insure for the duration of the stay in Europe, which we do not need. European Single Trip policies whilst sometimes covering up to 92 days trip duration, also cover the period of stay in the European destination, which is not required, and are prohibitively expensive at our age when covering our pre-existing medical conditions. Can anybody help with details of Travel Insurance cover for the usual range of events, but only for the lead up to, and duration of, the outbound and return flights?http://www.moneysupermarket.com/community/forums/t/so-stupid-50906.aspxTue, 13 Mar 2012 15:30:35 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:206346ramgeoff2http://www.moneysupermarket.com/community/forums/t/so-stupid-50906.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=138&PostID=206346..is what I am. We've had a very unlucky few months with our car. After having no problems wit this car for two and a half years, on two separate occasions, we've had our car badly scratched down one side when it was parked in a road/car park. Stupidly, I claimed on the insurance because no-one told me not to. And then, to add to the problem, my other named driver made contact with the car in front when it stopped abruptly at a traffic light, thus initiating another claim All this happened during our last Insurance year. Apart from the last claim (which is pending) the sums haven't been great. I wish I knew that this was going to completely distort this year's renewal. It has more than trebled, and furthermore I am just in the process of buying a new car, and the insurance company have decided they don't want to cover me any more, even though it's a newer version of the same car I'm driving. I wish my insurance broker, Swinton, had said something to me; maybe it's not their job. They've only been able to find one company to insure me, and, needless to say, it's a fortune. Much more than the cost of the damage to the vehicle. I've been driving for 27 years and - apart from the last named driver claim - have never had an accident. Any ideas, or would Swinton have tried everybody there is?http://www.moneysupermarket.com/community/forums/t/car-accident-non-fault-advice-please-50549.aspxWed, 15 Feb 2012 12:21:33 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:205439trudy1018http://www.moneysupermarket.com/community/forums/t/car-accident-non-fault-advice-please-50549.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=138&PostID=205439 Last week parked in a car parking space on return to my car a gentleman approached me asking if it was my car, I confirmed it was, he told me he had witnessed an accident, a lady had backed her car into mine, shunted my car forwards into a rail, she then reversed and took off without leaving any details or stopping. I was very lucky this man was a visiting the same place as me and he quite happily gave me his details if there was any problems with insurance and he said be happy to help. I was able to get the women's details from the place I had visited I rang her and informed her a witness saw her back into my car and leave without stopping to which she replied "did I" She came back to the car park and her car was clearly damaged on the back bumper with my cars paint was attached to it. My back bumper is dented and cracked, whilst she was there she looked at it and still denied hitting it even though her car was damaged too. She announced my car didnt look that damaged it was just a scratch! I took a photo of her damage and gave her my telephone number she said she would speak to her husband and ring me. She left it 3 days, in the meantime I checked my insurance excess which is £400 and when I rang her I suggested I take it to a local garage if she consented and get a quote, she agreed. The quote I got was £270.00. I called this lady back she said it was very high and that she would like another, again I went and got another quote and today rang her she now wants to go through her insurance, her husband came on the phone today and more or less called me a liar saying there was no damage to my car! (How he would know that is beyond me as he wasnt there) ! Sods law I have 10 years + on my no claims bonus, my insurance is due for renewal in 2 weeks time and I dont want to get stung for £400 excess and risk my renewal policy going up.My policy states I have to pay the excess, unfortunately I am due to have an operation, and 6 weeks recovery and really havent the £400 to pay out at this time. I have to pay the excess whether its my fault or not, and will have to claim it back through my motor legal protection and I am going to be out of pocket for months, and none of this was my fault. I have been more than patient, got 2 quotes done all the running around and phone calls and today has just really been the icing on the cake so to speak with this couples attitude. This woman hits my car, then protests she didnt ! even though an independent witness saw it all, then says there's not much damage for £270.00 more or less calling me a liar !!! Can anyone give me advice please whether I can pursue small claims on this matter to avoid paying out £400 policy excess. Many Thanks http://www.moneysupermarket.com/community/forums/t/payment-protection-insurance-49716.aspxMon, 28 Nov 2011 12:38:17 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:203260Quiche502http://www.moneysupermarket.com/community/forums/t/payment-protection-insurance-49716.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=138&PostID=203260 My husband was recently sucessful in getting back insurance premiums and compensation on mis-sold PPI through his bank. I have received a letter from a company who will investigate any PPI claim and they take 25% is they are successful. My PPI was not for any card relating to my bank - in fact when looking at the policies it is difficult to tell which cards they relate to. Is there a cheaper way of investigating this ? http://www.moneysupermarket.com/community/forums/t/dont-get-caught-out-by-your-insurer-24179.aspxFri, 22 Aug 2008 13:17:18 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:103909Community3http://www.moneysupermarket.com/community/forums/t/dont-get-caught-out-by-your-insurer-24179.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=138&PostID=103909 With the introduction of new car registrations approaching, chances are your car insurance policy will soon be up for renewal. However, unless you’re careful your policy could be renewed without you even knowing it, leaving you to miss out on some significant savings. Peter Gerrard looks at this in more detail… Click here to read more... http://www.moneysupermarket.com/community/forums/t/gadget-insurance-or-home-insurance-48543.aspxWed, 24 Aug 2011 10:17:31 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:200249SuzB841http://www.moneysupermarket.com/community/forums/t/gadget-insurance-or-home-insurance-48543.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=138&PostID=200249 Hi, I have a few gadgets - iPhone, Digital SLR camera +lenses etc, Kindle that type of thing and don't know whether to take out gadget insurance on them or just leave them covered through the personal possessions cover on my home insurance poilcy. At the moment the iPhone is probably worth around £500?, camera about the same, Kindle about £100. The excess on my home insurance is about £250 anyway. Is gadget insurance worth it? Suzanne http://www.moneysupermarket.com/community/forums/t/motorhome-holiday-insurance-47685.aspxSat, 25 Jun 2011 12:29:59 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:197875mellyrich1http://www.moneysupermarket.com/community/forums/t/motorhome-holiday-insurance-47685.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=138&PostID=197875We've hired a motorhome from Germany to take around Europe. What sort of insurance do we need?? Will we be ok with "normal" travel insurance? Any help will be most appreciated, Thankshttp://www.moneysupermarket.com/community/forums/t/is-your-car-insured-abroad-35053.aspxFri, 15 May 2009 12:27:50 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:150295Community1http://www.moneysupermarket.com/community/forums/t/is-your-car-insured-abroad-35053.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=138&PostID=150295Around half of the motorists in the UK don’t know what their car insurance policy covers them for when driving abroad. Steve Sweeney, head of home and motor insurance, shows you which clauses to watch out for when driving in Europe… Click here to read this articlehttp://www.moneysupermarket.com/community/forums/t/when-does-a-special-term-need-to-be-disclosed-47286.aspxTue, 17 May 2011 13:44:55 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:196664confused671http://www.moneysupermarket.com/community/forums/t/when-does-a-special-term-need-to-be-disclosed-47286.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=138&PostID=196664I have had a quote for holiday home insurance where the underwriters will cover me but exclude any claims re subsidence. The house in question has nonprogressive historic cracks which I have always disclosed (including to my current insurer). Does this quote count as a "special term imposed" that I need to disclose in future to all insurers?http://www.moneysupermarket.com/community/forums/t/claim-for-workplace-injury-46453.aspxMon, 28 Feb 2011 16:31:04 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:193902yoyo1http://www.moneysupermarket.com/community/forums/t/claim-for-workplace-injury-46453.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=138&PostID=193902 Had an workplace accident and have been investigating whether I should persue a claim. BUT I see an unexpected problem- my union solicitors want to know about any other legal aid insurance cover I had in place a the time of the accident. This could involve my house insurers. Would this increase future premiums? Who else should I inform/ needs to know if I persue my claim? Car insurers etc?? Any thoughts/ personal experiences would be appreciated. http://www.moneysupermarket.com/community/forums/t/personal-liability-insurance-in-uk-45054.aspxMon, 08 Nov 2010 20:25:00 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:189256NY1http://www.moneysupermarket.com/community/forums/t/personal-liability-insurance-in-uk-45054.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=138&PostID=189256 Hi there, I have recently moved to the UK and was wondering whether there is something like a "personal liability insurance" as we have in Germany (Privathaftpflicht), which insures you if you are e.g. responsible for an accident or cause flooding or fire in a rented property. A friend of mine got hit by a car a few weeks back while cycling in the town centre and I just wondered who would pay for her hospital stay etc. Any information would be much appreciated! Thanks, Kate http://www.moneysupermarket.com/community/forums/t/car-accident-attending-public-event-are-we-liable-43937.aspxSun, 15 Aug 2010 13:00:29 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:185553jonjam104http://www.moneysupermarket.com/community/forums/t/car-accident-attending-public-event-are-we-liable-43937.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=138&PostID=185553 Hi, this might seem an unusual one. I volunteer for a charity and we held a car boot today on a field which we rent from a nearby social club. We have signs clearly indicating the entry to the field and on entering all drivers are met by our volunteers. All the booters and buyers park on the field and are shown where to go by the volunteers. A man has approached us to say that he had damaged his car on the car park of the social club adjacent to the field, and as he was parking in order to attend our car boot we are liable. I have explained that we do not use the social club car park - nor are we allowed to, but the man is threatening to take us to court unless we pay up. Would we be liable for this? My first thoughts are that we would only have been liable if he had come on to the field and we had in some way influenced by negligence or otherwise him having an accident. Any advice or reassurance would be greatly appreciated. Jon http://www.moneysupermarket.com/community/forums/t/is-your-life-insurance-enough-for-your-family-41730.aspxFri, 05 Mar 2010 15:47:55 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:177627Community0http://www.moneysupermarket.com/community/forums/t/is-your-life-insurance-enough-for-your-family-41730.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=138&PostID=177627Could your dependents cope if you became ill and unable to work, or even died? It’s not a pleasant thought, but if you have children or other dependents, protection cover is something wll worth considering. But how much cover do you need? Felicity King-Evans takes a look... Read Felicity's article 'Is your life insurance enough for your family?' http://www.moneysupermarket.com/community/forums/t/are-you-driving-without-insurance-cover-by-mistak-41661.aspxTue, 02 Mar 2010 12:15:34 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:177382Community3http://www.moneysupermarket.com/community/forums/t/are-you-driving-without-insurance-cover-by-mistak-41661.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=138&PostID=177382 You might think uninsured drivers know they're breaking the law but could you be driving without valid insurance yourself? From mileage to MOTs to modifications, Felcity King-Evans looks at how you might be gambling with your car insurance cover... Click here to read Felicity's article 'Are you driving without cover by mistake?' http://www.moneysupermarket.com/community/forums/t/cheaper-car-insurance-for-young-drivers-41468.aspxMon, 22 Feb 2010 11:43:46 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:176686Community1http://www.moneysupermarket.com/community/forums/t/cheaper-car-insurance-for-young-drivers-41468.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=138&PostID=176686The cost of car insurance for new drivers, particularly teenagers, can be astronomical. Felicity King-Evans asks what young drivers can do to bring the price down and what kind of car should they be driving... Click here to read Felicity's article 'Cheaper car insurance for young drivers' Are you a young driver finding it hard to get a good price for your car insurance? What are your tips for bringing the cost down?