WikiWirral values you and your opinion.
Forum Statistics
Posts1,031,736
Topics76,057
Members14,043
Forums65
Posts in last 24hrs3
Most Online14,906
Nov 23rd, 2019
Who's Online Now
27 registered members (8 invisible), 1,317 guests, and293 spiders.
Key: Admin, Global Mod, Mod
Popular Topics(Views 7days)
New General Forums
The Winter of 1963
by Griff20. 2nd Jan 2022 10:12am
Merry christmas
by cools. 25th Dec 2021 7:55am
Losing our Freedom re COVID booster jab
by Longnails. 4th Dec 2021 11:40pm
FastShow
by GaryFromWirral. 2nd Dec 2021 3:22pm
New Wirral History
Cleggs stonemasons
by steviebyday. 16th Jan 2022 6:49pm
The old flour mills of Wirral 1903
by _Ste_. 29th Dec 2021 7:46pm
Wheatsheaf Hotel 39 Corporation Road
by Lovelfc88. 23rd Dec 2021 5:57pm
Birkenhead rail tunnels construction pictures?
by yoller. 23rd Dec 2021 10:08am
Flaybrick Lodge rooftop query
by derekdwc. 9th Dec 2021 1:51pm
Forum Tips
Photo Gallery Forums
Cruise liner Anthem of the Seas
Tram by the Penny Bridge
Topic Replies
Cleggs stonemasons
by steviebyday. 17th Jan 2022 10:23am
Wheatsheaf Hotel 39 Corporation Road
by bert1. 15th Jan 2022 5:48am
Woodchurch Leisure centre and libraries?
by Greenwood. 13th Jan 2022 2:30pm
Wildbrook Drive Idiotic Motorbike Riders Nuisance!
by mikeeb. 13th Jan 2022 12:28pm
Echo and the bunnymen, Liverpool Feb. 14
by Jakeypoos. 12th Jan 2022 10:12pm
MG Midget
by Gibbo. 12th Jan 2022 12:26pm
Nuisance Motor Bikes In Wildbrook Drive, Bidston.
by Jobneeded67. 12th Jan 2022 9:49am
The old flour mills of Wirral 1903
by Greenwood. 11th Jan 2022 9:25am
Worth a watch ...
by diggingdeeper. 10th Jan 2022 5:57pm
January
M T W T F S S
1 2
3 4 5 6 7 8 9
10 11 12 13 14 15 16
17 18 19 20 21 22 23
24 25 26 27 28 29 30
31
Recent Posts : What's On ?
Previous Topic
Next Topic
Print Topic
Rate Topic
Any MPPI / PHI experts on here ? #1042729
12th Aug 2017 12:49pm
12th Aug 2017 12:49pm
Joined: Jul 2011
Posts: 3,621
Wirral
V
venice Offline OP

Forum Guardian
venice  Offline OP

Forum Guardian
V
Joined: Jul 2011
Posts: 3,621
Wirral
Just want to ask a couple of questions , not advice as to which is needed .

Google Ads
Re: Any MPPI / PHI experts on here ? [Re: venice] #1042737
12th Aug 2017 6:23pm
12th Aug 2017 6:23pm
Joined: Mar 2010
Posts: 4,044
Heswallish
F
fish5133 Offline
Forum Guardian
fish5133  Offline
Forum Guardian
F
Joined: Mar 2010
Posts: 4,044
Heswallish
Not an expert but can tell about the one we have. Its like a life policy based on a reducing mortgage value. Premiums a bit cheaper .. it assumes you don't need as much money to pay off your mortgage in the future (as it gets less with the years you've paid off) should you become ill or die. Has a table telling what you would get paid out with in a particular year.

Re: Any MPPI / PHI experts on here ? [Re: venice] #1042738
12th Aug 2017 6:37pm
12th Aug 2017 6:37pm
Joined: Jul 2011
Posts: 3,621
Wirral
V
venice Offline OP

Forum Guardian
venice  Offline OP

Forum Guardian
V
Joined: Jul 2011
Posts: 3,621
Wirral
Many thanks fish,but not the question I had, was wondering amongst other stuff how easy it was to move between different types of protection . . Seems my offspring has managed to 'phone a friend' lol for the advice needed.

Re: Any MPPI / PHI experts on here ? [Re: venice] #1042742
12th Aug 2017 7:51pm
12th Aug 2017 7:51pm
Joined: Jul 2008
Posts: 14,054
Birkenhead
diggingdeeper Offline

Wiki Master
diggingdeeper  Offline

Wiki Master
Joined: Jul 2008
Posts: 14,054
Birkenhead
It may also be worth looking at standalone PPI instead of MPPI which would increase future flexibility.

Personally I get half-way through the small print on protection insurances and realise your only definitely eligible for a claim if its an eclipse of a blue moon on a tuesday, every other claim has a degree of subjectiveness.

Best of luck.


We don't do charity in Germany, We pay taxes. Charity is a failure of governments' responsibilities - Henning Wehn
Re: Any MPPI / PHI experts on here ? [Re: venice] #1042760
13th Aug 2017 10:41am
13th Aug 2017 10:41am
Joined: Jul 2011
Posts: 3,621
Wirral
V
venice Offline OP

Forum Guardian
venice  Offline OP

Forum Guardian
V
Joined: Jul 2011
Posts: 3,621
Wirral
Thats exactly my feelings on it too DD , but its a matter of
"Do yer feel lucky, punk ?" you can be screwed without it sometimes . Having said that , an old neighbour never ever insured his property for the whole of his life , and saved thousands in premiums . The week after he sold it , it got horrendous freak storm damage. Presumably the buyers could have been 'unlucky' if they hadnt put insurance in place in time


Re: Any MPPI / PHI experts on here ? [Re: venice] #1042776
13th Aug 2017 3:53pm
13th Aug 2017 3:53pm
Joined: Jul 2008
Posts: 14,054
Birkenhead
diggingdeeper Offline

Wiki Master
diggingdeeper  Offline

Wiki Master
Joined: Jul 2008
Posts: 14,054
Birkenhead
To be fair, in real terms house contents and building insurance has come down in price substantially, I know some people paying around 200 a year for the combined policies.

Its the mortgage protection (health/unemployment) that I have an issue with. I spent about 30 mins with a seller asking them to describe a circumstance where I could claim - the result was that if I got redundancy lump sum or ill health retirement lump sum I couldn't claim within at least the first 6 months (it was a cash handout from employer so classed as as income), but any claim could not be deferred more than 6 months, in other words it was useless to me. Hopefully the rules are better these days, that was a long time ago.


We don't do charity in Germany, We pay taxes. Charity is a failure of governments' responsibilities - Henning Wehn
Re: Any MPPI / PHI experts on here ? [Re: venice] #1042792
13th Aug 2017 6:19pm
13th Aug 2017 6:19pm
Joined: Jul 2011
Posts: 3,621
Wirral
V
venice Offline OP

Forum Guardian
venice  Offline OP

Forum Guardian
V
Joined: Jul 2011
Posts: 3,621
Wirral
Well its a lot more regulated that it used to be , so fingers crossed the kids will get better deals than with all the misselling of the past.It gives me a major head ache just by thinkiing about reading the small print!


Moderated by  Mod 

Random Wirral Images

Click to View Topic.
Newest Topics
Cleggs stonemasons
by steviebyday. 16th Jan 2022 6:49pm
Woodchurch Leisure centre and libraries?
by Greenwood. 11th Jan 2022 9:10am
Worth a watch ...
by GaryFromWirral. 9th Jan 2022 10:22pm
Tony Blair Knighthood
by diggingdeeper. 7th Jan 2022 12:49pm
Glass replacment
by Wickerman. 6th Jan 2022 7:55pm
For Sale & Free
Echo and the bunnymen, Liverpool Feb. 14
by Jakeypoos. 12th Jan 2022 10:12pm
Magic mystie
by lincle. 7th Jan 2022 11:12am
Car battery charger
by madrob. 29th Dec 2021 2:02pm
Member Spotlight
KevinFinity
KevinFinity
Wirral
Posts: 2,343
Joined: April 2009
Show All Member Profiles 
Newest Members
Simon_Beasor, ronald, Animac, Barney54, Bugzee007
14043 Registered Users
Today's Birthdays
No Birthdays
New Wirral Info
Glass replacment
by Wickerman. 6th Jan 2022 7:55pm
Nuisance Motor Bikes In Wildbrook Drive, Bidston.
by Jobneeded67. 21st Dec 2021 12:43pm
Nuisance Motor Bikes In Wildbrook Drive, Bidston.
by Jobneeded67. 21st Dec 2021 12:17pm
News : New Topics
Woodchurch Leisure centre and libraries?
by Greenwood. 11th Jan 2022 9:10am
Tony Blair Knighthood
by diggingdeeper. 7th Jan 2022 12:49pm
Dr Fauci answering Questions over Gain Of Function
by BultacoAstro. 26th Dec 2021 9:55am
Wildbrook Drive Idiotic Motorbike Riders Nuisance!
by Jobneeded67. 21st Dec 2021 12:38pm
Bidston Tip Fire
by diggingdeeper. 15th Dec 2021 4:46pm
New Enthusiast Forums
Worth a watch ...
by GaryFromWirral. 9th Jan 2022 10:22pm
Panther & Rottweiler
by GaryFromWirral. 4th Jan 2022 5:29am
MG Midget
by Staged54. 3rd Jan 2022 9:12pm
Can You Recommend a Landscape Gardener in Wirral
by sneakypete. 14th Sep 2021 2:13pm
Bidston Hill Underground Tunnels Part 2
by robbo_theman. 23rd Sep 2008 8:58pm
Popular Topics(Views 24hrs)
Wirral Sunrise Sunset
Sunrise Mon 8:17am
Sunset Mon 4:27pm
Local Time Mon 10:27am
Powered by UBB.threads™ PHP Forum Software 7.6.1.1