http://www.moneysupermarket.com/community/forums/ask-the-expert-insurance-91.aspxCar, home, travel, life, pet and more. Whatever your insurance, see if our community members can help out...enCommunityServer 2.1 (Debug Build: 0.2)http://www.moneysupermarket.com/community/forums/t/chancel-repair-liability-39108.aspxTue, 20 Oct 2009 09:47:42 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:166372brindle8http://www.moneysupermarket.com/community/forums/t/chancel-repair-liability-39108.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=91&PostID=166372 Could anyone advise us regarding Chancel Repair Liability the house we are buying is on land within a Church of England Parish. Houses were built on this land 30years ago.I know this dates back to Medieval Times..Would it be advisable to take out an Insurance Policy ? Our solicitor has said not to do anything about it nobody bothers these days. Watching GMTV this morning a couple have had to sell there house to pay for repairs to the church. Any info would be greatly appreciated. http://www.moneysupermarket.com/community/forums/t/expert-help-needed-re-insurance-38988.aspxWed, 14 Oct 2009 10:22:57 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:165893Jazza65http://www.moneysupermarket.com/community/forums/t/expert-help-needed-re-insurance-38988.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=91&PostID=165893 Stupidly, stupidly, stupidly I committed a serious crime and was sentenced in 2006 to 1 year - this was for fraud. Do you think I would even get home insurance. My husband, who has done nothing wrong, will be paying the penalty for my mistake. Is there anyone out there who can help with any advice. When I try and do an online quote there is nothing on the system which asks the question about criminal convictions. I have paid the price for my crime and have set my life back on the right track now and would hope that could be taken into consideration. http://www.moneysupermarket.com/community/forums/t/home-maintenance-insurance-4232.aspxTue, 10 Apr 2007 15:01:06 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:17692offflint8http://www.moneysupermarket.com/community/forums/t/home-maintenance-insurance-4232.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=91&PostID=17692what comparison site will give me information on the cost of a home maintenance insurance plan (that includes gas boiler and central heating, plumbing, drains and electrics? we currently have a Home Care contract with British Gas. I am aware of only one other company HomeServe who offer a similar contract.http://www.moneysupermarket.com/community/forums/t/legal-protection-on-motor-insurance-is-it-worth-i-7483.aspxWed, 27 Jun 2007 08:16:55 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:32062Darkstar10http://www.moneysupermarket.com/community/forums/t/legal-protection-on-motor-insurance-is-it-worth-i-7483.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=91&PostID=32062 Legal protection can add around £20.00 to the cost of a motor insurance policy. Does this offer value for money, or is it a way of the insurance companies creating some additional revenue? Do proposers generally benefit from adding legal cover? The 'blurb' states that Legal cover, 'covers any legal cost for any motor prosecution excluding drink/driving related offences. It also provides assistance to recover some excess such as any uninsured loss'. For example, if a driver is uninsured, what is the reality that losses will be recovered? I thank you. http://www.moneysupermarket.com/community/forums/t/buildings-insurance-30239.aspxFri, 16 Jan 2009 14:07:30 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:133787Alexius2http://www.moneysupermarket.com/community/forums/t/buildings-insurance-30239.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=91&PostID=133787I own the freehold of a terraced house which is divided into 2 flats. I own and live in the top floor flat and the ground floor flat is on a long leasehold and is owned separately. As the owner of the freehold of the building and the managing agent (I manage the building) I want to get a quote for insuring the building and I will then pass on half the cost of the building insurance to the owner of the ground floor flat. Can you please advise which companies deal with this?http://www.moneysupermarket.com/community/forums/t/can-i-get-home-purchase-insurance-9187.aspxFri, 03 Aug 2007 09:50:42 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:39842Helen Turner4http://www.moneysupermarket.com/community/forums/t/can-i-get-home-purchase-insurance-9187.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=91&PostID=39842 After two failed house purchases (down to no fault of our own) we are just about to start the process of atempting to purchase the third house, after nearly 6months and hundreds of pounds I am a little frightened to spend the movey again on searches, solisitors and mortgage fees if this sale was to fall through as the last ones did. Someone mentioned to me when they bought their house they took out an insurance to cover the sale falling through - Do you know is this possible and who provides this service? Many Thanks Helen http://www.moneysupermarket.com/community/forums/t/term-length-allowed-in-quote-differs-from-policy-35857.aspxThu, 11 Jun 2009 14:27:17 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:153449ytdhgchgc0http://www.moneysupermarket.com/community/forums/t/term-length-allowed-in-quote-differs-from-policy-35857.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=91&PostID=153449Hello, can you tell me why there is a discrepancy between a quote returned by your site and the detailed pdf provided by the company concerned? I have just received a quote for 100K life insurance over a term of 40 years but reading the pdf have found the exception that no one under 59 may have a policy that extends beyond their 70th birthday. Are these general insurance industry regulations, in which case why does yoour system return such quotes, or is this specific to this particular company?http://www.moneysupermarket.com/community/forums/t/british-insurance-mortgage-redundancy-cover-fair-34685.aspxWed, 06 May 2009 08:30:49 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:148784grfg0013http://www.moneysupermarket.com/community/forums/t/british-insurance-mortgage-redundancy-cover-fair-34685.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=91&PostID=148784 I took out £2000 of cover for £33 a month one year ago. Within 12 months British Insurance have lifted the premium twice to now £122 per month. They seem unstoppable, and have me over a barrel as if I take up insurance elsewhere I have a 90-120 day qualification period. Couple of questions: i) Do consumers have any rights to expect some degree of stability on premiums within a "fair-play" framework? ii) British Insurance are still advertising on line lower rates for new joiners whilst doubling premiums for existing policyholders. Is this fair? (Again short of cancelling, joining again and going through a new qualification period I cannot access these rates). iii) Is British Insurance typical of the Mortgage insurance market, or are there reputable firms that I could trust to play fair with me? Any help gratefully received! http://www.moneysupermarket.com/community/forums/t/help-needed-am-paying-too-much-163125-a-month-ple-35087.aspxSat, 16 May 2009 06:54:24 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:150428chigum1http://www.moneysupermarket.com/community/forums/t/help-needed-am-paying-too-much-163125-a-month-ple-35087.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=91&PostID=150428 Two years ago i took out life insurance with critical illness. For this i pay£125 a month for myself and my partner. I have just read the terms again and AXA say ithat there is payment protection ( they say that means if i become ill they will pay out some money to cover mortgage, only if i become ill not if i lose my job ) but surely if i become ill ( fingers cross i dont ) i can claim on the critical illness cover as thats the only thing that will stop me from working. I feel as if im getting ripped off. I know my F Advisor got £2000 comission for getting me this ,, im now thinking i only need the life insurance and the critical illnes cover ... does anyone think i should be paying alot less thanks trev http://www.moneysupermarket.com/community/forums/t/insurance-for-bampb-29262.aspxWed, 17 Dec 2008 18:31:02 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:130005simmob6http://www.moneysupermarket.com/community/forums/t/insurance-for-bampb-29262.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=91&PostID=130005 After having covered our one bed B&B activity for several years as part of our normal home insurance, SAGA's underwriters have suddenly decided they don't want to do it any more. There is no claims history, negative or otherwise. Halifax, lloyds tsb and e-sure have also refused. Churchill have offered cover but will not include public liability cover in respect of our guests. The problem with many insurers today is that if you don't fit the 'standard' model that they have on their quote screens, then they are not interested. Do you know of anyone who will do an individual home cover policy that would include cover for the very limited risks involved in running a one bed B&B suite located in an annexe (former garage - properly converted etc) adjacent to the main house. Business activity level is only about 30-40% occupancy throughout a year. Policies designed for B&B owners tend to be offered by hotel specialist insurers and cost almost as much as we earn in a year from our low level activity. http://www.moneysupermarket.com/community/forums/t/i-am-waiting-to-see-if-my-insurance-is-void-34730.aspxThu, 07 May 2009 09:52:47 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:148942Iyer level2http://www.moneysupermarket.com/community/forums/t/i-am-waiting-to-see-if-my-insurance-is-void-34730.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=91&PostID=148942 I am waiting to see if my insurance is void http://www.moneysupermarket.com/community/forums/t/do-we-need-after-the-event-insurance-34705.aspxWed, 06 May 2009 12:39:19 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:148831blobby122http://www.moneysupermarket.com/community/forums/t/do-we-need-after-the-event-insurance-34705.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=91&PostID=148831 Hi, hope someone can help me as im not sure what we need to do! Last year our dog ran away from our house whilst my husband was cleaning his car; as soon as he realised our dog had gone, he went to look for him, firstly to the main road where he didnt find him, and then other areas. After this he went back to the main road and this time found our dog had been run over and died, the car driver was understandably shaken as was my husband. My husband gave him his details but did not get the drivers details (the poilce also talked to my husband at the scene). Some months later the wife of the driver called and spoke to me (as my husband was away) and we had a good chat in which i asked if there was anything i could do to help, she said that their insurance company had told them that we did not have insurance so they could not do anything, we have never to this date recieved any letter from insurures regarding this matter. I said that we would be happy to pay any costs that they had incured, i.e. damage to their car. The drivers wife gave me their phone number and i said that i would get my husband to call her back but i lost the number and had no way of finding it as i did not know their names. My husband has now recieved a letter from their solicitors stating that they have taken out after the event insurance and that they want to claim for injuries (stated as whiplash type injuries to the neck) and financial loss. Should we pay any expenses asked of us or do we need a solicitor and/or after the event insurance (we have no pet insurance) in order to deal with this matter. Thank you in advance if anyone can help me! blobby12 http://www.moneysupermarket.com/community/forums/t/no-claim-bonus-not-accepted-after-quote-was-provi-34684.aspxWed, 06 May 2009 05:59:37 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:148772moods0http://www.moneysupermarket.com/community/forums/t/no-claim-bonus-not-accepted-after-quote-was-provi-34684.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=91&PostID=148772 Dear Andy I have also sent you a letter on this. I obtained a quote from moneysupermarket.com and specified my no claim bonus of over 10 years. The system (moneysupermarket or hastings essential) did not inform me that no claim bonuses were not accepted if it was outside of the UK or Europe. I accepted hastings essential quote and paid the full years premium. It was only after week when I queried something else with hastings that they informed me that the no claim bonus had to be within the UK or Europe. They then amended the insurance cover, charged me for the amendment and increased the poilcy by an additional some £64. Surely this cannot be. Either they should have informed me when I was transferred to their site, before I accepted the claim, that the no claim bonus must be from the uk or Europe and I would be charged extra for that. Furthermore, moneysupermarket should state that no claim bonuses may not be accepted by the insurer and the client should check with the insurer before they accept the quote. This is unfair and not correct. I have queried with other insurers and they were prepared to take the no claim bonus from outside the uk and europe. When I phoned in to Hasting Essential to cancel the policy as they did not inform me of the no claim bonus not being accepted, they want to charge me £45 for cancellation. This is a rip-off. Could you please provide me with your view on this as I feel that it is their fault for not informing me at the start of the quotation that I the no claim bonus outside the UK or euope would not be accepted. Had I known this, I would have looked for another insurer as the no claim bonus does reduce your premiums. I want to cancel the policy and go to a insurer who is prepared to take my no claim bonus but I feel that I should not be liable for any charges as I have not been informed upfront of no claim bonus. Regards http://www.moneysupermarket.com/community/forums/t/car-insurance-34040.aspxThu, 16 Apr 2009 12:54:58 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:146182tamas1http://www.moneysupermarket.com/community/forums/t/car-insurance-34040.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=91&PostID=146182 Hello Andy, My question is: we are foreigners-hungarians and want to buy an english car and do not want to change the numberplate to other. We live in Ireland so we have an irish address what are our options to have insurance for the car,car power is 2.7,for example for this in Ireland we can not have insurance,because the limit is 1,8, I heard that in England there is no limitation for this but we can have an insurance for 6 months,after we need english address,what would be solvable We want to use the car in Europe I am waiting for your reply Txs Andrea http://www.moneysupermarket.com/community/forums/t/critical-insurance-cover-33618.aspxThu, 02 Apr 2009 17:45:22 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:144722graham50002http://www.moneysupermarket.com/community/forums/t/critical-insurance-cover-33618.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=91&PostID=144722i have been diagnosed with a shadow on my lung ,i am waiting for tests to determine what this means . if this becomes terminal does this mean i am too late to apply for life insurance ? thank you graham5000http://www.moneysupermarket.com/community/forums/t/taking-the-car-off-the-road-33978.aspxTue, 14 Apr 2009 18:05:24 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:145957Rob 2208991http://www.moneysupermarket.com/community/forums/t/taking-the-car-off-the-road-33978.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=91&PostID=145957I won't be using the car for a while so I have taken the car off the road but it will remain on the drive. I have done the SORN thing and cancelled my insurance. After a moments reflection I considered the need to insure my car should it be damaged or stolen while on the drive. My home insurance won't cover it and the form for getting a quote via Moneysupermarket seems to assume (understandably) that the vehicle will be driven. Does this mean that no such insurance exists or I need to look elsewhere? http://www.moneysupermarket.com/community/forums/t/share-of-freehold-building-insurance-33597.aspxThu, 02 Apr 2009 09:53:44 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:144670emma_19821http://www.moneysupermarket.com/community/forums/t/share-of-freehold-building-insurance-33597.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=91&PostID=144670We live in a leashold pupose built first floor flat. Together with the other leasholder (who occupies the ground floor) we have purchased the freehold. The freeholder had previously provided the building insurance with us both paying half of the cost. The current insuance provider will not swap the policy into our names and so we are having to find a new policy. So my question is: Is it better to get a joint policy to cover the whole of the building (which is part of a terrace of purpose built flats), or get each get separate building insurance?http://www.moneysupermarket.com/community/forums/t/no-way-in-for-retired-folk-33140.aspxSat, 21 Mar 2009 07:41:34 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:143174wrinkley11http://www.moneysupermarket.com/community/forums/t/no-way-in-for-retired-folk-33140.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=91&PostID=143174I can be fairly sure that money supermarket doesn't have any retired people looking for a car insurance quote. Why? Well they can't get past first base, here's what happens. Start filling in form, get to occupation, enter "retired", next two questions are greyed out because they're not relevant as they ask for "business sector", so got to "next" and up comes "ERROR. You must fill in Business Sector". !!!! Being greyed out couldn't put anything in there even if I could think of a business sector for retired people. So - do not pass GO, do not get insurance quotes from millions of companies. Under the circumstances I think Confused.com is the place to go!http://www.moneysupermarket.com/community/forums/t/delayed-smoke-damage-on-a-laptop-33041.aspxWed, 18 Mar 2009 18:09:46 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:142872kmw156156118118kmw0http://www.moneysupermarket.com/community/forums/t/delayed-smoke-damage-on-a-laptop-33041.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=91&PostID=142872 I had a fire in october and my property was majority gutted. One Electrical thing we thought we had saved was our laptop. We had a company called Chemdry asses the laptop who confirmed it was fine but could be damaged at a later date by smoke and soot as it may take a while to corode. After 2-3 months it started playing up and the screen would not open fully without the picture becoming all distorted. We called our insurance company and advised them of the issue, They stated they would need to have it tested, i thought that was fair enough so we had it picked up by another company who tested and stated the damage was due to wear and tear. I queried this and requested a second opinion and that has also come back the same APPARENTLY. Now the laptop in question was only just 12 months old when it started to play up and it was a top of the range Compaq so for it to break through wear and tear after 12 months i do not see as an acceptable reply. Now when we ask the insurance to take a look at the original report where Chemdry stated soot and smoke could corode it in the future they refuse to and state Chemdry were not specialists in the testing og the goods. So i asked the insurance why they use them as they had done to test various items including telly's worth 2000+ Where do we stand with there refusual to pay for the laptop ? I feel as though they are fobbing us off becuase the rest of the claim was settled through replacement and cheque payment. http://www.moneysupermarket.com/community/forums/t/life-insurance-whilst-in-spain-30394.aspxMon, 19 Jan 2009 22:04:46 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:134326brandoni1http://www.moneysupermarket.com/community/forums/t/life-insurance-whilst-in-spain-30394.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=91&PostID=134326 Hi, My wife and I are just about to take a year in Spain. At the same time we want to obtain some joint life insurance. Are we covered by a british policy whist in Spain or would it be better to take out a policy in Spain? Regards http://www.moneysupermarket.com/community/forums/t/using-an-airport-car-park-regularly-32771.aspxWed, 11 Mar 2009 09:25:34 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:141945Moonface1http://www.moneysupermarket.com/community/forums/t/using-an-airport-car-park-regularly-32771.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=91&PostID=141945 If I have to use an Airport Car Park for my work does that change the information I have to provide to my Insurance Company? I will be required to park in an NCP Car Park for up to 12 days per month. Woudl this mean that were there to be damage or my car was to be stolen then the Insurance Company might not pay up? Do I therefore have to register the car for use other than domstic and pleasure use? Help... http://www.moneysupermarket.com/community/forums/t/rti-insurance-32618.aspxSun, 08 Mar 2009 14:40:58 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:141473Accelera Comigo3http://www.moneysupermarket.com/community/forums/t/rti-insurance-32618.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=91&PostID=141473 Andy I'm buying a newish car currently and the dealers have offered RTI insurance. I'm tempted but can find a policy online for less than half of their price. I'm ready to proceed but I don't recognise any of the insurers' names so am worried that I am buying a piece of paper only. Do you have a recommendation for RTI insurance? Ta, Oliver http://www.moneysupermarket.com/community/forums/t/water-leak-from-shared-water-pipe-under-neighbour-30786.aspxTue, 27 Jan 2009 22:02:25 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:135682rocket19592http://www.moneysupermarket.com/community/forums/t/water-leak-from-shared-water-pipe-under-neighbour-30786.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=91&PostID=135682 scenario: 4 houses in a terrace with a shared water mains supplying 3 out of the 4 and the odd one having their own seperate supply off the mains from the street. Leak under the odd one out house who has own supply and not on the shared system the leak coming from the shared pipe which they are not connected to (confirmed by water board when they come to do assesment etc) We are covered by water company policy who are going to cap off a stop valve and instate seperate supply feed for the 3 houses on the shared water system. The leak has caused internal damage ie damp etc in the odd one out house they have gone to their buildings and contents insurer who are consequently sending an assesor down and the neighbours have asked for the insurance details of the 3 homes on the shared system so that their insurance company can claim against us for the internal damage. My question is must we supply this as firstly we were not aware they were on a seperate supply to the rest of us and their damp problem has not just happened over night but a period of time due to the leak under their property which we were not aware of until the water pressure dropped which triggered this whole sequence of events in the first place. I am happy to use my water insurance policy for the 3 of us on the shared supply but must I supply my insurance details to my neighbour for his internal damage which we were not aware of but he obviously new about. http://www.moneysupermarket.com/community/forums/t/time-taken-by-norwich-union-direct-to-review-a-cl-24463.aspxSat, 30 Aug 2008 11:25:08 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:104690WalkingATM26http://www.moneysupermarket.com/community/forums/t/time-taken-by-norwich-union-direct-to-review-a-cl-24463.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=91&PostID=104690 Hi, am hoping I am not the only one experiencing this, otherwise I am the unluckiest persoon in the UK at the moment! I lodged a claim for my car with NU Direct back in May and within two weeks an engineer inspected the car, declared it a write off and suggested a settlement amount. I contacted NU to be told that my claim was being reviewed and they would call back. No call after a week. I phoned again, same story! And this has been a weekly response since then and its now September! In the meantime, I lodged a complaint, following their procedure. No response. I called the numbers in Liverpool, no respones. I sent a fax, no response. I have sent a complaint to the FOS, they are very busy, be patient. I sent an email to CEO's office, hrray, got an automated reply saying they would contact me with shortly. That was two weeks ago! Besides wondering if Norwich Union work more than one day a week and if they know how to read a calendar or clock, is it considered reasonable with the insurance industry to tak 3 months to process a claim, not to return calls when promised, to hide behind a call centre script clearly designed to get an agrieved customer off the line, etc, etc? I understand that, having dragged it out of one of the agents, that they are claiming the car has been modified and I didnt declare that. Sorry, but I am not a mechanic, how am I suppoed to know its modified? The next problem will be how to evict the spiders who have gladly taken up residence! Am sure I will need a permit from the RSPS! If I sound frustrated, I am! "Qoute me happy", but when they get your money, treat you with contempt! http://www.moneysupermarket.com/community/forums/t/buildings-insurance-shared-freehold-31960.aspxFri, 20 Feb 2009 10:05:13 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:139424d_j_wilko0http://www.moneysupermarket.com/community/forums/t/buildings-insurance-shared-freehold-31960.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=91&PostID=139424 I recently bought the ground floor flat in a converted terraced house. I own half the freehold and the leasehold for the ground floor, and a married couple own half the freehold and the leasehold for the first floor. The joint building insurance policy has now expired and the upstairs freeholder is now pushing for its renewal. Am I legally obliged to do this? The rub is that my solicitor did not inform me of any joint policy, and since the upstairs freeholder was (and still is) living overseas and practicaly incommunicado, I had to take out my own combined buildings and contents insurance when I applied for a mortgage. So if possible I don't want to have to pay for another policy. From comparing the policies it would be cheaper for me to keep my existing policy than pay half of theirs. To further complicate matters, they rent out their flat. So will their insurance cover be different/more expensive since they are not owner-occupiers? Grateful for any advice. Apologies if I'm duplicating threads, I have seen similar questions but none that precisely answer my question.