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As the building is part of the house (even if it isn't attached to the house, outbuildings are classed as part of the home) you would have to insure both properties under your mothers name (as you don't own either property). A basic home office is usually easy enough to cover (A lot of policies...

Nothing got to do with the road worthiness of the car. Some insurers think there is an increased moral hazard if clients have an older car (though they probably won't admit as much)

The market for unoccupied homes is restricted (most of the standard insurers won't quote on them). I know we use a QBE product as well as the Plum product (both of these policies are underwritten by lloyds). €1600 does seem high though. It most be a large home or you have a requirement for...

You should consider appointing your own assessor to help you with this claim. There are a number of sections under a home insurance policy relating to escape of water and you need to know the ins and outs of the policy to make sure you are getting what you are entitled to (for example, there is...

If they are being unreasonable then you are probably better off leaving your insurance company deal with it. The third party is entitled to go to whatever garage they want to (within reason) but the insurance company will appoint an assessor that will make sure the costs stack up. If you pay the...

We deal with a number of companies that provide land liability cover, its normally reasonable enough.

An insurer would look to cover the property as a whole. If it is owned by a landlord for example and the property is broken into two for rental purposes, the insurance company will insure the full property under a property owners policy to cover the building. The tenants can then insure their...

You will need a specialist unoccupied insurance policy that will have renovation noted. A number of broker based insurers will do this.

If you are looking to protect your children from the loss of your (and possibly your partners) income than a term policy for 20/25 years would normally suffice. Make sure to go for a dual policy (the policy will continue after the first death) and that it has a conversion option (this will allow...

I would certainly write to the insurer and ask why they are refusing cover. Was their an issue with the claim regarding disclosures or cooperation? WE deal with number of specialist insurers and one should quote.

Most companies ask for disclosure of a conviction outside of motoring so this does seem unfair. His conviction may fall into the spent conviction category as well. I would send a letter of compliant into the insurer to see what they say, but there are plenty of insurers on the market that will...

Its basically dual pricing (insurance companies often discount rates to get people in the door). Once you are in, then they hope inertia sets in and premiums can be raised. The guy on the phone was just pi$$ed off he had to do some extra work. You did nothing wrong.

No need to inform them. Once the wife is named on the policy (if not, she should be added so she can sign proposal forms etc.)

Your best bet would be to go to a broker. Most brokers would have a number of companies that will quote flat roof houses.

You might need to contact a broker or ring around a number of companies. Most standard insurers idea of a content policy is the contents of a semi-d. Once you deviate from that they're not interested. I know one of our insurers has a landlord content policy that will include fixtures and...

Yes this is usually a better option if your insurer will agree to it. Technically you will still need to disclose the claim to any new insurer but technically you have to disclose it even if you didn't put through the claim..

I've seen this scenario so many times over the years and my advice is always to go through the insurance company, especially in this case where there could be a number of third parties involved. It just isn't worth it. We had a client in the last few years that had an accident, paid for the...

Could be the age of your car is increasing it (XS direct are very sensitive to vehicle age and type). Talk to a broker that deals with a number of specialist insurer and they will be able to shop around for you.

No. It won't affect you unless you have the accident.

I didn't say I would advocate it Brendan, I said it would probably be the most tax efficient way of investing. As regard the deferral of tax, that would depend on how soon the OP wanted access to all of the fund. If he was to take a TFLS at retirement, put the balance in an ARF/AMRF and when he...