Help with insurance

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Compensation if you’ve lost money through mis-selling

If your adviser has gone bust and you’ve lost money because of their negligence, you might be able to get something back through the Financial Services Compensation Scheme. Check your rights for mis-sold mortgages, pensions, insurance and other investments and find out when and how to make a claim.

What to do when things go wrong – payments

The right way to handle a problem with payments or transfers depends on how the payment is made. This guide covers the full range of payment methods, with advice on how to handle problems that arise and what you can do to prevent problems in the first place.

Making an insurance claim

If everything goes well, making an insurance claim is simple and stress-free – especially if you take time to get all the details right. This article takes you through the process of making an effective claim on insurance like home, car and travel. A little further down you’ll find more information on life and health insurance like private medical insurance, income protection and critical illness cover.

What is insurance?

Insurance helps you protect yourself against risks like a house fire, car accident or burglary. You can also get insurance that pays you money if you get too ill to work or to provide for your family if you die.

Types of insurance

It’s unlikely that you’ll need every insurance product on the market, even if you could afford them all. But how do you know whether your hard-earned cash is going on the policies you need the most? The table below is designed to help you make the right decisions for you and your household budget.

Financial mis-selling – what to do if you're affected

If your bank or another financial company sold you a product that wasn’t suitable for you, you might get compensation if you make a complaint. If you are unhappy with your firm’s response, the Financial Ombudsman Service or Pensions Ombudsman might accept and investigate your complaint for free.

When to use an insurance broker

If you’re thinking of buying an insurance policy for something you don’t know much about or insuring something fairly unusual, you might want to think about using an insurance broker. They’re experts in the market and – even with run-of-the-mill insurance – they can often find you better cover at a great price.

How to buy insurance using comparison sites

You could make big savings on insurance by using price comparison websites, so it’s worth putting in a bit of time to get the best out of them. Remember they’re just showing you prices, not choosing the best product – you don’t have to pick the top result.

Sort out a money problem or make a complaint

If you’re unhappy with the service you got from your bank, financial adviser or any other financial company, it’s often easy to sort out. If talking things through doesn’t work, there’s always a formal way to complain – and if you’re still not happy, you can ask an independent service to investigate.

Find an adviser

If you decide you want financial advice, you can begin your search for the most appropriate regulated financial adviser for you by simply entering your postcode below:
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