Go to Martin Lewis' website, download letter templates, and send them off yourself.

Hi Skippy, apologies for my delay in replying, I took a short break from work. If you submit an application to an Insurance Company and they decline your application, you should always declare this in future. That is why I am making the offer to Forum Members to enquire on your behalf. That way, you...

There is no need to use a claims company, especially as they take 25% of what you are repaid.

TheMatrix "Insurance Company confirmed on the phone that I am still covered although in an IVA". Who confirmed this – the switchboard operator ? To have real value the confirmation must be in writing, and from someone with the authority to commit the Insurer to a course of action. Skippy You are ask...

Hi kazzafunk, can you confirm the name of the insurance company, and what type of policy (motor, home, etc)

Hi Broke of London
How do you know they carried out a credit check, and was your IVA on the Insolvency Register at that time ?

I would just send them an e-mail quoting your policy number to confirm it.

As a matter of actual "Fact" not theory, many years ago a claim on a life assurance policy was still being help up six months after the client died. The reason for the hold up was the Ministry of Defence refusing to disclose why many years earlier the man had been in a Military Hospital, on the grou...

Hi TigerTiger I stopped posting on this subject some time ago when my statements of fact were drowned out by the “it's never happened to me” brigade. This is rather like someone saying I broke the speed limit yesterday and got away with it - it certainly doesn't mean that the same will happen tomorr...

Hi TigerTiger I stopped posting on here for a long while because my posts on the legal position were drowned out by the "but we've got away with it for years" brigade. it's just the same as breaking the speed limit - getting away with it yesterday doesn't mean you can get away with it today. Hi Skip...

Every insurance policy in the UK is a legal contract between the Policyholder and the Insurer. The insurance contract is based on “utmost good faith” – the Insurer is legally obliged to disclose to you everything about the policy, and equally you are legally obliged to disclose to the Insurer any fa...

Andy Davie has kindly authorised me to post this on the Forum. We have persuaded Ageas Insurance Ltd (formerly Fortis) to agree to offer through DMS Tradesman's Public Liability to people in IVA's on standard terms, with confirmation in writing that their being in an IVA does not affect the insuranc...

We have an Insurer (Ageas) who has agreed a special arrangement with us that allows us to quote standard terms for Home Insurance, Self Employed Tradesman's Public Liability, and Short Term Income Protection.

Contact me off Forum if you would like me to obtain a Quotation for you.

My e-mail address is in my signature.

If you contact me off Forum, I will be happy to get you a quotation. It has taken nearly two years to arrange, but we finally have agreement upfront from Ageas Insurance Ltd (formerly Fortis) that we can confirm in writing that when they are aware of a Client being in an IVA this does not affect the...

Hi Rachel

What kind of business are you starting ?