Insurance

[The Minertaur]

A big thank you to all who replied and those who sent PM's suggesting ideas.  We have managed to get some cover sorted through a broker recommended by my Father in law.

All good except from the fact that I'll never heard the end of it from my Father in law

Cheers guys.  PnB actually is a great community! 

[Jacksgranda]

10 hours ago, die hard doonhamer said:

£200k plus a death in service benefit of 8x my annual salary. I'm worth more dead 

Most of us are...

[Mark Connolly]

10 hours ago, die hard doonhamer said:

£200k plus a death in service benefit of 8x my annual salary. I'm worth more dead 

[statts1976uk]

I had home emergency cover with HomeServe and the renewal came in last week at £226 for the year and that’s with the “loyalty discount” but was with a higher excess! One phonecall later to cancel and it immediately dropped to the “introductory rate” of £74 for the year with a reduced excess.

Normally I wouldn’t have bothered too much with home emergency cover but I work away from home a lot and it’s piece of mind for the wife.

[Guest Moomintroll]

I have 4 separate policies that are worth roughly 600k combined, if Snork Maiden ever finds out I am fucked.

[highlandcowden]

5 hours ago, hk blues said:

Sounds good in theory but what if you need the cash before you have accumulated enough to cover  the emergency cost - at least with Insurance your're covered from the outset (in the main)?

aye,and you also might never use the insurance thus wasting what you've spent on it.

as a salesman once said to me,as I was buying a new PC and refusing their rip off warranty(ie,another type of insurance),"well sir,if you can live without that peace of mind".aye,i can thanks, certainly more than I can live without that extra seventy quid

Edited June 14, 2019 by highlandcowden

[welshbairn]

4 hours ago, statts1976uk said:

I had home emergency cover with HomeServe and the renewal came in last week at £226 for the year and that’s with the “loyalty discount” but was with a higher excess! One phonecall later to cancel and it immediately dropped to the “introductory rate” of £74 for the year with a reduced excess.

Normally I wouldn’t have bothered too much with home emergency cover but I work away from home a lot and it’s piece of mind for the wife.

Homeserve are a bunch of crooks in my experience, exemptions for everything. The oven door broke in our gas oven and they said it wasn't covered. Asked him what was covered and he said the elements. There aren't any, it's a gas oven, I said, so what is covered? He couldn't come up with anything so I said he was working for a bunch of crooks and cancelled the policy. 

[sjc]

I had life and critical illness insurance with Beagle Street. They paid out without much fuss after helping me through the forms and advising how to get hold of the required documents. I actually had more problems with my UK GP!

Oh, and the bank tried like f**k to charge me the redemption fee when I paid them mortgages off!

[hk blues]

1 hour ago, highlandcowden said:

aye,and you also might never use the insurance thus wasting what you've spent on it.

as a salesman once said to me,as I was buying a new PC and refusing their rip off warranty(ie,another type of insurance),"well sir,if you can live without that peace of mind".aye,i can thanks, certainly more than I can live without that extra seventy quid

I agree with you on extended warranties on most products, but I don't really consider them as insurance.  I remember paying almost the same for an extended warranty as the item cost - the last time I purchased an extended warranty.  Rip offs

[highlandcowden]

5 hours ago, hk blues said:

I agree with you on extended warranties on most products, but I don't really consider them as insurance.  I remember paying almost the same for an extended warranty as the item cost - the last time I purchased an extended warranty.  Rip offs

they do exactly the same as insurance-play on your fears

[steelmen]

Homeserve are a bunch of crooks in my experience, exemptions for everything. The oven door broke in our gas oven and they said it wasn't covered. Asked him what was covered and he said the elements. There aren't any, it's a gas oven, I said, so what is covered? He couldn't come up with anything so I said he was working for a bunch of crooks and cancelled the policy. 

Don’t get me started on this mob. Our boiler warranty ended and Scottish gas homecare was bought to cover that and the raidiators. Guy came out to service the boiler and upon opening the control panel the plastic hinge snapped. Guy says this always happens so had spares in the van.

Fast forward a year and the policy shoots up so we shop around and homeserve’s policy looks ok for a decent price. Guy comes out to service the boiler and you guessed it the hinge snaps. He doesn’t have a spare but says he’ll get someone back out to replace it. Week goes by and nothing so I phone them up and the lassie says nothing in their paperwork so she’ll get in touch with him and get back to me. Week goes bye and she calls back, says she can get someone out that week how would I like to pay for it. I’m not paying for it, he broke it you can pay for it. She says I’ll need to speak to someone.

Week later I get a phone call from an ‘investigator’ saying she has looked into my complaint and finds it was broken when he got there. How did you get to that conclusion? That’s what the engineer said happened! That was the sum of her ‘investigation’ I was raging got the job sheet from Scottish gas to prove a new one was fitted and she says that proves nothing it could have broke after that. Unless you can prove to me he broke it we won’t fix it.

Cancelled the contract, got a special returning to Scottish gas deal. Woman came out to service it and replaced the hinge. Said they cost £8.50


TLDR- stay well away from homeserve or record them when they are in your house!

[8MileBU]

Don’t get me started on this mob. Our boiler warranty ended and Scottish gas homecare was bought to cover that and the raidiators. Guy came out to service the boiler and upon opening the control panel the plastic hinge snapped. Guy says this always happens so had spares in the van.

Fast forward a year and the policy shoots up so we shop around and homeserve’s policy looks ok for a decent price. Guy comes out to service the boiler and you guessed it the hinge snaps. He doesn’t have a spare but says he’ll get someone back out to replace it. Week goes by and nothing so I phone them up and the lassie says nothing in their paperwork so she’ll get in touch with him and get back to me. Week goes bye and she calls back, says she can get someone out that week how would I like to pay for it. I’m not paying for it, he broke it you can pay for it. She says I’ll need to speak to someone.

Week later I get a phone call from an ‘investigator’ saying she has looked into my complaint and finds it was broken when he got there. How did you get to that conclusion? That’s what the engineer said happened! That was the sum of her ‘investigation’ I was raging got the job sheet from Scottish gas to prove a new one was fitted and she says that proves nothing it could have broke after that. Unless you can prove to me he broke it we won’t fix it.

Cancelled the contract, got a special returning to Scottish gas deal. Woman came out to service it and replaced the hinge. Said they cost £8.50


TLDR- stay well away from homeserve or record them when they are in your house!

I’ll keep it short.

Everyone stay clear of Scottish Power’s cover care. Useless c***s.

[Empty It]

The misses bought a phone the other day for round about the £300 and was offered insurance which worked out about £220 a year, phone won't be worth that in a year money grabbing c*nts

[just me 2]

The misses bought a phone the other day for round about the £300 and was offered insurance which worked out about £220 a year, phone won't be worth that in a year money grabbing c*nts

Plus anytime I’ve claimed for a phone it’s been a £100 excess

[Romeo]

Anyone got experience of getting or providing travel insurance for someone who's had cancer?

 

I'm getting mental quotes for a 6 day trip to Austria

 

 

[mizfit]

Anyone got experience of getting or providing travel insurance for someone who's had cancer?
 
I'm getting mental quotes for a 6 day trip to Austria
 
 

Try cancer research UK. Their website used to point people in the right direction.

Also, does the person have travel insurance with a bank account? If so they might get some help there, but they might exclude any condition related to the cancer.

[jagfox]

13 minutes ago, Romeo said:

Anyone got experience of getting or providing travel insurance for someone who's had cancer?

 

I'm getting mental quotes for a 6 day trip to Austria

 

 

Yeah mate. I work in the travel insurance sector. It can be costly or even declined if the traveller is customer is undergoing or recently finished treatment. Depending on circumstances pre-existing conditions can be excluded. 

Depending on what cover is required medical can be excluded but this would not cover the traveller for anything linked to the pre-existing conditions. It would still cover for accidents and the like.

PM me if you want and I can suggest a couple of companies and answer  any questions you might have. I might even have some tips to save you money on the premium....

Edited June 15, 2019 by jagfox99

[Romeo]

Try cancer research UK. Their website used to point people in the right direction.

Also, does the person have travel insurance with a bank account? If so they might get some help there, but they might exclude any condition related to the cancer.

It's for me so I don't have travel insurance with the bank. I have tried a few specialist providers suggests by a couple of cancer charities. I'm a year post treatment so think it's gonna be a few years before it becomes reasonable again. Looking at 150-200 for 6 days , just for me and not the wife

Thinking about not bothering with insurance.

[welshbairn]

2 hours ago, Romeo said:

It's for me so I don't have travel insurance with the bank. I have tried a few specialist providers suggests by a couple of cancer charities. I'm a year post treatment so think it's gonna be a few years before it becomes reasonable again. Looking at 150-200 for 6 days , just for me and not the wife

Thinking about not bothering with insurance.

Not cancer but heart trouble and loads of other stuff for my parents, Saga seemed the easiest, but the cost was similar to yours, they were in their 90s though, so yours could be a bit cheaper. Tbh if you're not intending to paraglide off cliffs and the like, I'd risk going with an EHIC card which gives you the same deal the locals get, might as well use it before Boris wrecks everything.

[Honest Saints Fan]

2 hours ago, Romeo said:

Anyone got experience of getting or providing travel insurance for someone who's had cancer?

 

I'm getting mental quotes for a 6 day trip to Austria

 

 

On the cancer group I am part of they always recommend Boots or a company called 'now I can travel". Might be worth checking out if you haven't already. I was looking at travel insurance the other day and have pretty much accepted I'll not get a quote for under £200.