 Do you think it wise for people to take insurance advice from this website? |
| 90 % of the answers/advice i have seen are incorrect & some even lean towards fraudulent & encourage deception- seek professional advise from an insurance broker!... |
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 I feel stupid even asking but...? |
...when travel insurers talk about "single trip insurance policy", what does that *actually* cover?
The reason I ask is that I am going abroad, but before I get to my final ... |
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 What kind of life insurance should my husband get? |
| We are looking to get a life insurance policy for my 25 year old husband. We have three young children so we're trying to figure out what would best provide for the family if God forbid ... |
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 What is the average settlement for a minor car accident? |
| I was rear ended and have minor whiplash. What should I ask for my P&S cost (above my medical bills)... |
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 If you have Medical Insurance and are treated in the emergency room, unconscious by a Dr. who is? |
....not part of your network, and get a huge bill a month later? What do I do?
Additional Details
The ins is BCBS-PPO and they did pay some already. I'm guessing the Dr is not a BCBS... |
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 Which is better, term or whole life insurance? |
| My husband seems to lean towards whole life because the premium is cheaper and cash value is built? I lean towards term because when I was working in private banking, that was what was recommended. $7... |
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 How long should I get a term life insurance policy for? |
| I'm researching term policies to cover the shortfall for life insurance from my work. How long is reasonable to get a term policy for? Term to 60, 75 or 100 years?... |
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 My insurance is void because I didn't declare claims history, But I did, Please help!? |
| I am more than sure that I declared my previous claims history. I have held insurance with them for 18 months. I recently tried to make a claim but it was declined and I was informed that my ... |
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 When people say "I dont have money to buy insurance?" how to solve this objection? |
| Sell people insurance will face a lot of objection.. How I gonna solve all the objection?... |
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 Next year I will not have health insurance, what to do? |
| I am on my fathers insurance and next year I will lose it. I can't afford health insurance as I am a full time student. Is there anything I can do besides dropping out of school?... |
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 Home Insurance? |
When i enquired about home insurance, i was asked if i had a criminal record.
Would they find out if i said i didn't have one?... |
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 Legal rights for life insurance? |
| My late husband beleived that I was the beneficiary of his life insurance. I REMEMBER early in our marriage that we both changed our beneficiaries to each other. He told others that I was the ... |
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 Why would they want my car insurance information if i was the pedestrian injured in an accident? |
I was crossing the street and was hit by a car. Why do they want my car insurance information?
Additional Details
Why would they want it? and what if my insurance expired?... |
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 Is it legal for a doctor to refuse doing a procedure because insurance doesnt pay them enough to do it? |
Additional Details
let me add some..I am on medicaid, i want to have a procedure called essure done...medicaid covers it and there are a list of docors who perform the procedure that ... |
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 Cancel Health Insurance? |
| My boyfriend works for DynCorp and is not happy with his insurance. They're charging him $375 per payday (he gets paid bi weekly), and it's just for him and his daughter. They told him ... |
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| Mortgage Payment Protection...is it worth it? |
| We currently have mortgage payment protection & are going to try & find a cheaper policy for it as our one seems quite expensive. But is mortgage payment protection worth it? I've read ... |
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 Fiance's mom pushing life insurance? |
My fiance was recently diagnosed with Hyperemeis ( http://hyperemesis.org ), a disease which affects 1% of pregnant women. Due to this she's been in the hospital 3 times in the last month.
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Thad | Is insurance optional / mandatory in UK? |
I stumbled on this in Yahoo news, about insurance fraud in UK.
Pls see article here:
http://uk.biz.yahoo.com/18082006/389/insurance-don-t-fake-claim.html
Beyond the obvious and reasonable, i.e.: auto and driver's liability, there ARE inevitabilities, for example fire insurance in the States bc residential housing is mostly matchsticks and cardboard. But UK bldgs are oftener brick and mortar, no ?
Or some Far East countries in which by collusion and mendacity "life" insurance is sold on a naive public for gross profit alone, and claim settlements almost _never_ happen. But that's tangential.
So, what gives ?
Just seeking clarification.
Thks.
Additional Details
Answere ahdunno...tangential, meaning pertaining to the craft of SELLING insurance, though not germane to the question. |
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Seaman Staines
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You don't need by law to have house insurance, although your mortgage provider may insist that you do as a condition.
Content insurance is not obligatory, but it covers you for third party liability, so if you cause damage to a neighbours property then contents insurance covers you. I had a flood in my flat, it leaked downstairs and ruined carpets and decorations of my neighbour, at the time I had no contents cover. |
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Graham I
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A certain level of auto insurance is mandatory. Everything else is optional, although you may be required to have house insurance by your mortgage lender. However, most people in the UK opt to have insurance - they choose to insure the contents of their home, for example, and they mostly choose a higher level of auto insurance than the legal minimum. |
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MSMORTGAGE
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You questions is a little confusing - there are two areas in which insurance is mandatory - car insurance is one, buildings insurance is the other. |
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mike-from-spain
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You don't need any insurance except for cars etc, you needn't have your home insured, but you would be breaking the requirements of any mortgage you might have, you don't need to have your contents insured, but make sure you have a big bank balance to replace anything stolen or damaged as the average value of the contents of a three bedroom house is about 40,000 pounds. If you dont have your home insured as you haven't got a mortgage, then you would be liable to pay out any damages caused by tiles falling from the house, etc, which could well run into several hundreds of thousands of pounds, so you would be forced to sell your house to pay it. Remember, bricks and mortar do burn and you house could be reduced to a pile of rubble by a fire. Stupid really not to pay the couple of hundred a year to insure it. |
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NutstersChick
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U cannot drive a car in the UK without insurance.
Insurance fraud is nothing new.
Fraud has been paying 4 many a terrorist organisation 4 the past decade or so.
The UK is returning 2 the Rip-Off Britain that it always has been, add the fact that many Brits have been conned, scammed & ripped of by organised criminal gangs.
Honesty is a dying trend. |
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Evil J.Twin
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Apart from cars and businesses, etc. insurances aren't mandatory. I have never had any kind of insurance policy and, to be honest, I would begrudge paying into one because it wouldn't be worth it. I haven't got a lot anyway so I'd probably end up paying more in insurance than the value of the goods covered. I suppose it is peace of mind for some people and you might regret not having insurance if you end up needing it but it can be more hassle than it's worth. You still have to come up with the first part of any payments with most insurance anyway. |
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Ahdunno
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do you mean Tangible, or Tangenital
it is an offence to drive a vehicle on UK roads without suitable insurance |
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sharky
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whenever Insurance comes up you should always ask the sales person representative the question you've posed here, is this insurance mandatory or personal choice and have it stated somewhere on the policy or covering letter then you can have it checked by the Insurance Ombudsman if you have doubts and no Insurance company will put mandatory on anything that isn't. |
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Nixy F
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For driving, it is illegal not to have insurance. For houses you have to have insurance if you have a mortgage. Content insurance isn't a legal requirement. |
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bob
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You need Car and Motorbike Insurance to at least cover a 3rd Party.
We don't require house and contents insurance to guard against fire and theft, it is a good idea though.
Everything else is covered by National Insurance |
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