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Living In The Uk/life As A UK Immigrant - Travel (2) - Nairaland

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Re: Living In The Uk/life As A UK Immigrant by Lexusgs430: 2:46am On Nov 28, 2017
uzuz:



Again, like l said, as a home owner; insurance is important but not compulsory. You are unlikely to cover a home that you do not own, if you rent a house, you can do contents cover which covers majority of your home appliances. l am not sure what you mean by "limited insurance cover" Also, do not forget that home insurance can at times be very difficult to claim; against other types of insurance. If the insurance company find it that you have been careless and negligent, i.e in terms of the broken tap (which have been for over a period of time which you chose to ignore), they will not pay out.

It is possible that windy storm can blow roofs off buildings; l have never heard such about the UK. USA and certain countries perhaps but not the UK. Unlike the USA, UK use moulded slabs for their roof tops and the way the slabs are laid, its there 20 years, come rain, storm or whatever, it's there. Sometimes, this slabs breaks down and have to be replaced.

Damages perpetrated by insurance scammers is different from genuine claims; that is perhaps where you should focus. Having said that, as a tenant; you cannot insure someone's house - you can only insure the contents of the house.

I love your breakdown, some things I agree with, some I don't........

But to close on your last paragraph. I would not expect a tenant to insure the Landlord's structure, the tenant only owns the content and as such can either choose to insure contents or not.....
Re: Living In The Uk/life As A UK Immigrant by uzuz(f): 10:40am On Nov 28, 2017
Lexusgs430:


I love your breakdown, some things I agree with, some I don't........

But to close on your last paragraph. I would not expect a tenant to insure the Landlord's structure, the tenant only owns the content and as such can either choose to insure contents or not.....

grin grin grin grin
Re: Living In The Uk/life As A UK Immigrant by fatima04: 1:32pm On Nov 28, 2017
@lexusgs430 and uzuz, So if I understand you clearly, the home insurance in case of renting only covers the content of the house and one may decide not to pay it?

@uzuz, pls what are the other options of insuring the content of the house as you mentioned
Re: Living In The Uk/life As A UK Immigrant by uzuz(f): 2:02pm On Nov 28, 2017
fatima04:
@lexusgs430 and uzuz, So if I understand you clearly, the home insurance in case of renting only covers the content of the house and one may decide not to pay it?

@uzuz, pls what are the other options of insuring the content of the house as you mentioned

There is no home insurance when you are renting, there is however something called "contents insurance" that is offered by insurance companies and most banks based on the type of account that you have with them.

I am also not certain that home insurance covers the contents, home insurance l believe covers the structure and any structural damage that might affect it.
Re: Living In The Uk/life As A UK Immigrant by fatima04: 12:40am On Dec 15, 2017
Wow. It's been one he'll of a ride, the plannine et al. E no easy. Will be giving a summary of my experience from flight experience landing and all in the following posts.

Plenty pictures to show as well. Getting here made me realise that no be Xmas we dey do ooo I think na Z max sef grin grin

1 Like

Re: Living In The Uk/life As A UK Immigrant by fatima04: 12:52am On Dec 15, 2017
As usual in this winter time for money grin I booked medview airline due to obvious reason like short period of flight and ofcourse affordable.

Review of the flight:
A. Changes was communicated early via mail from 1.30pm to 11.30am cos of winter, only for us to check in and all and we didn't take off until 1.15pm. Rightly pissed off embarassed

B. No bassinet for baby, infact no provisions at all the hostess had to ask me if they knew I was bringing a bay on board after I was charged for him. Mscheww

C. In flight entertainment and charging port made the trip easy but not much movies at least let's manage them for now. They are getting dre.

D. Food was alright got jollof rice, chicken, bread, tea, juice etc and even gave us another pack for snacks close to the end of the trip.

E. Smooth flight and good landing overall I will rate dem 60 taking into consideration d hours and money.


Tips:
1. Always book ur flight early to avoid high cost it's not going to be cheaper
2. Prepare your documents well and know ur rights and what you need on any particular trip. one lady at d check in counter wanted to collect bribe because I have a different surname from my baby and thought I won't have the birth certificate handy
3. Prepare for d cold by getting stuffs from naija well well or else d cold will grab u in ways u never experred.

More will be added as I remember

7 Likes

Re: Living In The Uk/life As A UK Immigrant by fatima04: 1:00am On Dec 15, 2017
Planning a trip in the UK is one of the easiest things u can do online. Starting from booking your train via trainline.com ( you can search with your postcode to know closest station)

Book your hotel in advance on booking.com at no cost except with ur card details.

Don't travel with much luggage because transiting from one train to another can be quite tough.

Though I was lucky I got people to assist me for the most part but it wasn't easy.

People were ready to assist me and eager to do so when I asked questions because you don't want to miss your stop.

Travel with easy to feed babies food to make it easy at any point.

Research your mode of transportation well because cabs here are pretty expensive. A trip of 5mins cost as much as 5pounds

A big kudos to the UK transportation system, it is lit

6 Likes

Re: Living In The Uk/life As A UK Immigrant by spacyzuma(m): 12:18pm On Dec 15, 2017
fatima04:
Planning a trip in the UK is one of the easiest things u can do online. Starting from booking your train via trainline.com ( you can search with your postcode to know closest station)

Book your hotel in advance on booking.com at no cost except with ur card details.

Don't travel with much luggage because transiting from one train to another can be quite tough.

Though I was lucky I got people to assist me for the most part but it wasn't easy.

People were ready to assist me and eager to do so when I asked questions because you don't want to miss your stop.

Travel with easy to feed babies food to make it easy at any point.

Research your mode of transportation well because cabs here are pretty expensive. A trip of 5mins cost as much as 5pounds

A big kudos to the UK transportation system, it is lit

Welcome to UK, fatima04.
Hope the weather hasn't been a shock. grin
We're currently experiencing our coldest winter in about 7 years.
Re: Living In The Uk/life As A UK Immigrant by nikkycool(f): 9:10pm On Dec 15, 2017
spacyzuma:


Welcome to UK, fatima04.
Hope the weather hasn't been a shock. grin
We're currently experiencing our coldest winter in about 7 years.
Please I am novice here and will like to know about ways of migrating to the UK as I am looking for a way to move my family out of Naija anytime soon.Thanks for your response in advance.
Re: Living In The Uk/life As A UK Immigrant by Moety: 1:11am On Dec 16, 2017
spacyzuma:


Welcome to UK, fatima04.
Hope the weather hasn't been a shock. grin
We're currently experiencing our coldest winter in about 7 years.
Not in London. It's actually quite mild here.

1 Like

Re: Living In The Uk/life As A UK Immigrant by spacyzuma(m): 2:49am On Dec 16, 2017
Moety:

Not in London. It's actually quite mild here.

Despite the snow over the last few days? smiley
Re: Living In The Uk/life As A UK Immigrant by spacyzuma(m): 3:14am On Dec 16, 2017
nikkycool:
Please I am novice here and will like to know about ways of migrating to the UK as I am looking for a way to move my family out of Naija anytime soon.Thanks for your response in advance.

Every information you need can be found on the UK govt's immigration site. You need to do lots of online research.

1 Like

Re: Living In The Uk/life As A UK Immigrant by fatima04: 9:26am On Dec 16, 2017
spacyzuma:

Q
Welcome to UK, fatima04.
Hope the weather hasn't been a shock. grin
We're currently experiencing our coldest winter in about 7 years.

The weather no be here oo, but adjusting well. Though baby seems to be adapting faster dan i am grin It is well.

Pictures loading.. You guys can also share pictures. The xmas decoration is something else and they said I havent seen anything yet oo

2 Likes

Re: Living In The Uk/life As A UK Immigrant by fatima04: 9:30am On Dec 16, 2017
Another Tip for picking up BRP,

If you have a minor and your name isnt on the vignette provided, you will need to be nominated to pick up via email.

However, if its a family pick up that wont be necessary.
Though I applied for mine and it was approved after 5 days, but on getting there I learnt it was not necessary.

P.S the BRP now comes with the NI number so no need to apply again. Thats what is called constant review of processes. (Its still shacking me ni smiley

1 Like

Re: Living In The Uk/life As A UK Immigrant by fatima04: 9:33am On Dec 16, 2017
On opening account, seems to be quite challenging for me because we are yet to settle and proof of address is key, so in my research for better banks friendly to immigrants I stumbled on one called Monese.

Pls anyone ever heard of them or use them? Seems attractive though, easy to open from your phone et al but you need a monthly sub fees of about 5 pounds.

Oya my UK pple come answer ooo before i enter one chance
Re: Living In The Uk/life As A UK Immigrant by fatima04: 9:52am On Dec 16, 2017
Pictures of train station at highwycombe, mosque and church at Birmingham.

1 Like

Re: Living In The Uk/life As A UK Immigrant by fatima04: 9:56am On Dec 16, 2017
..

Re: Living In The Uk/life As A UK Immigrant by fatima04: 10:04am On Dec 16, 2017
... postng pictures no easy on the thread oo. How do pple do it abeg.

1 Like

Re: Living In The Uk/life As A UK Immigrant by Lexusgs430: 10:44am On Dec 16, 2017
fatima04:
On opening account, seems to be quite challenging for me because we are yet to settle and proof of address is key, so in my research for better banks friendly to immigrants I stumbled on one called Monese.

Pls anyone ever heard of them or use them? Seems attractive though, easy to open from your phone et al but you need a monthly sub fees of about 5 pounds.

Oya my UK pple come answer ooo before i enter one chance


Read user reviews.......

http://forums.moneysavingexpert.com/showthread.php?t=5330978
Re: Living In The Uk/life As A UK Immigrant by dustydee: 11:51am On Dec 16, 2017
fatima04:
On opening account, seems to be quite challenging for me because we are yet to settle and proof of address is key, so in my research for better banks friendly to immigrants I stumbled on one called Monese.

Pls anyone ever heard of them or use them? Seems attractive though, easy to open from your phone et al but you need a monthly sub fees of about 5 pounds.

Oya my UK pple come answer ooo before i enter one chance
Never heard of them. Have you tried Lloyds or TSB? I have a free classic current account with TSB (since my student days as part of Lloyds group). I am nt sure if they still do that as they have been asking me to change to one which I'd pay £9.99 a month with free travel insurance and all that. I no gree grin When I am ready I might consider it.

2 Likes

Re: Living In The Uk/life As A UK Immigrant by spacyzuma(m): 12:30pm On Dec 16, 2017
fatima04:
On opening account, seems to be quite challenging for me because we are yet to settle and proof of address is key, so in my research for better banks friendly to immigrants I stumbled on one called Monese.

Pls anyone ever heard of them or use them? Seems attractive though, easy to open from your phone et al but you need a monthly sub fees of about 5 pounds.

Oya my UK pple come answer ooo before i enter one chance

I remember I had issues with opening my student bank account because I hadn't gotten a hostel space yet.
I've never heard about Monese, but lol...I'm not ready to pay monthly fees to any bank biko. I'm still using the banks I used as a student.
I heard Santander is quite good. I've been told several times, but I've never used them.

Can't you just hold/hide your money until you confirm your accommodation?
Re: Living In The Uk/life As A UK Immigrant by fatima04: 1:53pm On Dec 16, 2017
Lexusgs430:



Read user reviews.......

http://forums.moneysavingexpert.com/showthread.php?t=5330978

Hmmmn. Eyeopener will settle for the traditional banks then and go with spacyzuma advise.

Its not like I am in urgent need of it sef.
Re: Living In The Uk/life As A UK Immigrant by Moety: 3:13pm On Dec 16, 2017
spacyzuma:


Despite the snow over the last few days? smiley
It last snowed last Sunday mate.

1 Like

Re: Living In The Uk/life As A UK Immigrant by Moety: 3:15pm On Dec 16, 2017
fatima04:
... postng pictures no easy on the thread oo. How do pple do it abeg.

Hmmmm. Oxford Circus. That place is a tourist trap. I avoid it like the plague. Better shopping in my town anyways (Richmond Upon Thames) wink wink
Re: Living In The Uk/life As A UK Immigrant by fatima04: 4:49pm On Dec 16, 2017
Something funny I just remembered:

Lagos airport the guy at the counter helped with my box for it to be weighed and tagged and actually asked for tips and told him I didn't have change. He even went further to offer to fill my immigration card and I was like durrrh... no be my details u wan put there.

Train from high wycombe to birmingham
Immediately the guy saw me with a baby strapped on and luggage he told me to wait once the train comes for him to help me on the train then the amazing thing happened, as I disembarked the train another security guy approached me that he was notified that I would be needing assistance from the other station.

I was shook kiss. Just kept saying thank you and at a point I was sounding odd

Both are being paid but one doesn't ask for bribe to render assistance.

13 Likes

Re: Living In The Uk/life As A UK Immigrant by uzuz(f): 7:26pm On Dec 16, 2017
fatima04:
On opening account, seems to be quite challenging for me because we are yet to settle and proof of address is key, so in my research for better banks friendly to immigrants I stumbled on one called Monese.

Pls anyone ever heard of them or use them? Seems attractive though, easy to open from your phone et al but you need a monthly sub fees of about 5 pounds.

Oya my UK pple come answer ooo before i enter one chance


Sign up with an electricity or gas provider and request for a bill, you can use it for opening an account. There is nothing better than a high street bank where you can go in and meet someone to speak to. Most of these banks or apps can cost a fortune to run. There is also "pockit" which you can try as they are good and you only pay for transfers. So you can use them while you wait for your bill to come through if you are urgently in need of an account.
Re: Living In The Uk/life As A UK Immigrant by fatima04: 7:04pm On Dec 28, 2017
Hello guys. Happy holidays. Still trying to find our bearing and settle in, seems living in a country like this requires lots of paper works and online research. It can be exciting but tiring.

I have been hearing quite often now on ow rent money is dead money and getting mortgage as quick as possile is the best, so opinions and suggestions on how to go about this, and getting the best deals because all the accounting terms have been dealt with its just flying over my head biko sad
Re: Living In The Uk/life As A UK Immigrant by fatima04: 7:04pm On Dec 28, 2017
Also, which one is better azimo or world remit? Or.......
Re: Living In The Uk/life As A UK Immigrant by Beautyaddy: 7:27pm On Dec 28, 2017
fatima04:
Hello guys. Happy holidays. Still trying to find our bearing and settle in, seems living in a country like this requires lots of paper works and online research. It can be exciting but tiring.

I have been hearing quite often now on ow rent money is dead money and getting mortgage as quick as possile is the best, so opinions and suggestions on how to go about this, and getting the best deals because all the accounting terms have been dealt with its just flying over my head biko sad


You might wanna visit this thread where very interesting and educative discussions about it have been said.
https://www.nairaland.com/4103866/adventures-new-uk-migrant
Re: Living In The Uk/life As A UK Immigrant by fatima04: 10:16pm On Dec 28, 2017
Beautyaddy:


You might wanna visit this thread where very interesting and educative discussions about it have been said.
https://www.nairaland.com/4103866/adventures-new-uk-migrant
.

Lol. I be number 1 follower for there oo just dt dre wasn't a particular or specific explanation of it and I wouldn't want to derail his thread with furthe questions..
Re: Living In The Uk/life As A UK Immigrant by UKmigrant: 10:19pm On Dec 28, 2017
Welcome to the UK Fatima cheesy
Re: Living In The Uk/life As A UK Immigrant by dustydee: 11:21pm On Dec 28, 2017
fatima04:
Also, which one is better azimo or world remit? Or.......
Try rhemito.com

1 Like

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