Ask The Expert
Myfinances.co.uk has assembled a collection of experts in the fields of personal finance to answer your questions. So, if there is a major headache in your financial world that you would like some clear expert advice on, please use this email expertadvice@myfinances.co.uk.
Ask the Expert: Questions
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Can my son obtain his own insurance without owning his own car?
A woman would like to know if her son can drive her or her daughter's car without obtaining his own insurance policy.
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Can woodworm in roof timbers be claimed for on my home insurance?
A reader wants to know if they can claim under their home insurance policy for damage to roof timbers caused by woodworm.
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Can I go under my Dad's insurance for my own car?
A reader from Leeds wants to know if he can put his own car under his Dad's insurance to get cheaper car insurance.
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Does home insurance cover me for problems with my roof?
A woman from Carlisle wants to check if her home insurance policy covers a plastering problem affecting the ceiling that means part of her roof needs replacing.
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Can I put my partner on my own car insurance policy?
A woman from Aberdeen wants to know if her partner can purchase their own policy for her car despite being banned from driving three years ago.
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Why has my insurance claim been settled in vouchers and not cash?
A woman from Bromborough wants to know why an insurance settlement for stolen jewellery is being settled in full by redeemable vouchers rather than cash.
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A reader wants to check the rules surrounding their No claims discount
A woman from Gosport wants to check if it is correct that her husband has lost his no claims discount after being a named driver on her policy for three years.
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A trainee photographer is looking to buy a second car for work and wants to know the insurance implications
A reader from Cumbria who wants is training to be a photographer is planning to purchase a new vehicle and will be making modifications to the vehicle and wants to check on the insurance implications.
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The administrator of a charity that uses many domestic appliances wants to know what the best type of insurance policy would be.
A reader from Rugby wants to find out the best type of domestic appliance insurance to buy that covers all of the products that his charity owns.
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Would it be sensible to repay my mortgage straight away as I have the funds?
A reader from Scotland is asking for advice on whether he should repay the outstanding balance immediately or continue repaying over the fifteen year term.
Experts
Emma Banks
Company:lv=Emma Banks from the UK's largest friendly society LV= has worked in insurance for 18 years at companies including Churchill, Direct Line, and MORE TH>N.;
Mike Jones
Company:LloydsMike Jones is the sales director for the UK's leading lender, Lloyds Banking Group – representing brands including Halifax, Lloyds TSB, Cheltenham and Gloucester and Birmingham Midshires.;
Tom McPhail
Company:Hargreaves LansdownTom McPhail is a leading commentator on pensions, with broad experience of pensions and investment related issues. He has over twenty years experience in the financial services industry, having started his career at Norwich Union in 1986. Since then he has worked for a small, specialist pensions insurance company, dealing with Sipps, SSASs, Drawdown and group pensions; he has run a pensions business for a large regional IFA company; and has worked as a specialist pensions adviser, giving advice to individuals and companies on pensions issues.;
Further Questions
A parent wants to know how she can help her daughter keep her home after a marriage break-up
A reader wants to know if she can be the guarantor on her daughters mortgage so that her daughter can keep her home after her marriage break-up. |
How can I help my partner settle a joint mortgage dispute with her ex?
A reader from Gillingham wants some advice on how his partner's ex can be removed from a mortgage and how a settlement can be agreed. |
Is it better to save in a savings account or pay off more of the mortgage?
A reader from Barrow would like to know if it is better to save in a savings account or pay off more of the mortgage before they look to upsize their home later in the year. |
Will overpaying on a ten year fixed-rate interest only mortgage reduce the capital?
A reader from Cambridge wants to know if overpaying on an interest-only ten year fixed mortgage will help reduce the capital owed at the end of the term. |
Am I covered with my insurance company for bad workmanship?
A reader had some repairs done at home after a water leak but believes the repairs were not carried out to a sufficient standard and wants to know what redress he may have. |
Will my holiday be covered if there is political unrest?
A reader wants to know if thier holiday to Morocco will be covered by travel insurance if there is political unrest in the country as has been seen recently in neighbouring countries |
A US resident wants to check the insurance needed to drive in the UKA US resident is visiting friends in the UK and wants to check if they will be able to get car insurance. |
My mobile phone has been stolen: Am I covered?A reader from London wants to know if he can claim for the theft of a mobile phone from his home despite no forced entry. |
A reader asks about what insurance he will need as a hypnotherapist
A reader who is about to qualify as a hypnotherapist wants to understand the likely insurance implications |
Travel insurance for an expensive holiday
A reader from Amersham wants to know if he can get adequate cover for an expensive holiday. |
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