www.iva.co.uk

Posted: **Fri Jul 18, 2008 10:34 pm**

Has anyone got this/if so who have you used? Also, if you have it, do you have a joint iva, and how does the insurance work...sorry about the questions but I know you guys are really helpful.

Posted: **Fri Jul 18, 2008 10:37 pm**

hi dont worry about asking to many questions we are all here to help each other i would recommend to look at this link john tegg http://www.iva.co.uk/forum/pop_profile. ... ay&id=1268

its a wise move especially in the present climate [;)]

i remember asking about it if you did come out of work it will cover the whole payment needed for the iva and this would then need added to your income and expenditure i cant see there being a problem because it benefits both partys

Posted: **Fri Jul 18, 2008 10:41 pm**

Thank you so much indebtforever

Posted: **Fri Jul 18, 2008 10:44 pm**

no problem keep posting and asking questions

good luck

Posted: **Fri Jul 18, 2008 11:23 pm**

John Tegg is a really nice guy. We have met him twice, hes very professional.............oh and hes got the kind of voice that you could tape record to get the kids to sleep......soooooo calm and soothing.

Send him an email he will be glad to explain it all in as much detail as you need.

Posted: **Sat Jul 19, 2008 10:54 am**

Were using clear debt for our IVA which includes insurance against redundancy, incapacity etc. Apparantly the creditors pay for it

Posted: **Sat Jul 19, 2008 1:37 pm**

Do check your policy wording, I think you'll find the Accident and Sickness benefit is payable for 12 months only. www.protectiva.co.uk
is payable for up to 60 months - to the end of your IVA.

If you are seeking to protect mortgage payments not IVA, then the rate comes down from £4.25 to £2,75 at www.paymentcover.co.uk

Posted: **Sat Jul 19, 2008 5:48 pm**

Hi CoverItAll does your policy have a life insurance element in it, I could not see any reference to that in the policy.

Posted: **Sat Jul 19, 2008 8:01 pm**

No, we believe that if you require life assurance you should conult an Independent Financial Adviser.

Posted: **Sat Jul 19, 2008 8:57 pm**

That's a nice way of describing John's voice Mrs Skint ... and you are absolutely right! [:)]

Debbie

Posted: **Sat Jul 19, 2008 9:06 pm**

Its so soothing, i could sit and talk to him all night. I just love him and Gwen to bits.
We told him we wanted to bring a tape recorder and have him read the three little pigs (little boy's favourite story) into it.

Posted: **Sat Jul 19, 2008 9:17 pm**

You're right! John would make a brilliant hypnotherapist [:)]

Debbie

Posted: **Sun Jul 20, 2008 7:49 am**

is this worthwhile taking out an can it be included in your iva?

Posted: **Sun Jul 20, 2008 8:01 am**

Debbie, I was trying to keep the day job a secret !

Posted: **Sun Jul 20, 2008 3:03 pm**

Paying for IVA insurance is a great idea but are you allowed to include this as an outgoing in your expenditure? What if your already in an IVA?

www.iva.co.uk

IVA protection insurance