₦airaland Forum

Mcleo007:
I think the answer to this is keeping your wife or kids as next of kin or direct beneficiary in the event of your passing.

Simple and it’s not only life insurance that offers this.

Goke7:
Agree? How many companies actually do it in the first place, on my own I rather spend my money on other insurance policies that will benefit me while alive.

Goke7, you can't speak with both sides of your mouth, which is what you're trying to do here...... 😁

You gave a positive example of the benefit of a life policy, that benefited someone you know.......

It might not be for you, but others see the benefits....

Hence, I understand what you're trying to say (but I don't agree)...... 😁😂

Lexusgs430:
Goke7, you can't speak with both sides of your mouth, which is what you're trying to do here...... 😁

You gave a positive example of the benefit of a life policy, that benefited someone you know.......

It might not be for you, but others see the benefits....

Hence, I understand what you're trying to say (but I don't agree)...... 😁😂

If you understand then why are you accusing me of being double standard na, I told you my stand yet you no wan gree, am I discouraging anyone here from what am saying?

I understand the uk system and it’s the one that benefits me is what I do how’s that your own problem 😂 na by force?

Dear oh dear. Something has escalated quickly and emotions do seem to be running high.

For what its worth (given that we’re all ultimately internet randos to one another), I think the animus against Zahra is misplaced because I think she’s been an overall helpful contributor here. I do agree that some of her comments can come across as gatekeeping, but that doesn’t bother me in the slightest and – more to the point – were the roles reversed, I think many people would probably act the same way.

Similarly, the tone of some of the comments from the other side comes across as entitled, and sometimes verges on the farcical. For instance, the occasional bashing of native Brits as being “lazy” and welfare-addicted together with the associated romanticisation of our people as being hardworking “hustlers” is quite weird. Without toeing Mrs. Badenoch’s line, I think it goes without saying that if Nigeria had a social welfare system, it would be abused and exploited to the extent possible just as much as the Brits or any other developed country residents do with theirs.

Obviously these conflicts and tensions are going on in other non-white British communities as well. A cursory read of Reddit will show that. A couple of people here have summed up this whole matter perfectly and pithily - in the coming years our descendants too will have the same range of opinions and viewpoints of the current crop of second and third generation immigrant families and given that human beings exist in a state of perpetual conflict anyway, the cycle of disagreement and strife in this area will have no end. Ultimately, I think that we can all disagree and try to see others’ perspectives without inflamed emotions.

Kenn55:
I think instead of doing life insurance till death, it is better to take a 10 or 20 year term life insurance depending on how old your kids are.

The essence of life insurance should be to protect your kids during their dependent stage. If you have a 5 year old child and you take a 20 year term life insurance, it is expected that after 20 years, your child would have become independent and would no longer need that backup.
If God forbid, you kick bucket when he/she is just 12 years old for example, the payout should be able to payoff the mortgage to guarantee them shelter, pay for their education and upkeep till they become settled.

You don't want the living standards of your wife and kids to drop or to rely on one wicked uncle, relatives or Gofund me to survive in the event of early kicking of bucket. It should also cover you in the event your wife kicks bucket first so it is not just for a man as most middle class families run on both husband and wife joint income

In summary, life insurance isn't supposed to be a wealth creation for the living but to secure your family during the period they will need it most in event the unexpected happens. It works for middle class, the rich wouldn't need it, their will is enough.

This. Very well said.

I have life insurance now because my children are still in need of support and I would like them provided for if I die while they're still at that stage. I most definitely will not be paying for life insurance when they're independent.

Cyberknight:
Dear oh dear. Something has escalated quickly and emotions do seem to be running high.

For what its worth (given that we’re all ultimately internet randos to one another), I think the animus against Zahra is misplaced because I think she’s been an overall helpful contributor here. I do agree that some of her comments can come across as gatekeeping, but that doesn’t bother me in the slightest and – more to the point – were the roles reversed, I think many people would probably act the same way.

Similarly, the tone of some of the comments from the other side comes across as entitled, and sometimes verges on the farcical. For instance, the occasional bashing of native Brits as being “lazy” and welfare-addicted together with the associated romanticisation of our people as being hardworking “hustlers” is quite weird. Without toeing Mrs. Badenoch’s line, I think it goes without saying that if Nigeria had a social welfare system, it would be abused and exploited to the extent possible just as much as the Brits or any other developed country residents do with theirs.

Obviously these conflicts and tensions are going on in other non-white British communities as well. A cursory read of Reddit will show that. A couple of people here have summed up this whole matter perfectly and pithily - in the coming years our descendants too will have the same range of opinions and viewpoints of the current crop of second and third generation immigrant families and given that human beings exist in a state of perpetual conflict anyway, the cycle of disagreement and strife in this area will have no end. Ultimately, I think that we can all disagree and try to see others’ perspectives without inflamed emotions.

I get that some level of gatekeeping is inevitable, but there’s no need to be condescending about it, especially towards people from your own background. If she’s African, like I’m assuming, then it makes it even worse. It just ends up reinforcing the negative stereotypes that people already have about us, and coming from one of us, it hits differently. It leaves a bad taste, honestly.
That said, she still comes across as a decent person overall. I don’t think it’s right to completely dismiss how she feels or why she holds the views she has. People’s perspectives usually come from their own experiences, so even if you don’t agree, it doesn’t mean they should just be written off.

Good day ancestors and contributors alike, thanks for always being there for some us newbies.

I have my practical driving test coming up in July, but I recently had a minor accident. At the time of the accident, I didn’t have an L sign displayed, and there was no supervising driver with me. I haven’t informed my insurer yet. The other driver has hired a third party (not her insurer) to handle her claim. If the claim doesn’t go in her favor, I’m concerned she might try to claim through my insurance instead — which I want to avoid.

Is it possible not to involve our insurers and settle?
Which is cost effective for me (I have comprehensive)
Will my insurer be liable for the claim as I have provisional?
What are my chances of not involving my insurer?

FreakyNasty642:
Good day ancestors and contributors alike, thanks for always being there for some us newbies.

I have my practical driving test coming up in July, but I recently had a minor accident. At the time of the accident, I didn’t have an L sign displayed, and there was no supervising driver with me.

Given the conditions under which the incident happened, your insurance is invalid. You will settle out of pucket whether you involve your insurance or not. Your insurer will only settle if your provide a supervising driver.

FreakyNasty642:
Good day ancestors and contributors alike, thanks for always being there for some us newbies.

I have my practical driving test coming up in July, but I recently had a minor accident. At the time of the accident, I didn’t have an L sign displayed, and there was no supervising driver with me. I haven’t informed my insurer yet. The other driver has hired a third party (not her insurer) to handle her claim. If the claim doesn’t go in her favor, I’m concerned she might try to claim through my insurance instead — which I want to avoid.

Is it possible not to involve our insurers and settle?
Which is cost effective for me (I have comprehensive)
Will my insurer be liable for the claim as I have provisional?
What are my chances of not involving my insurer?

Where you qualified to drive when you had the accident and driving in accordance with the law (you seem to suggest not)? If not, I do not see how it can go in your favour.

If that's the case, call the counterparty and settle immediately! It could spiral adversely against you if the above applies and insurance gets involved .

FreakyNasty642:
Good day ancestors and contributors alike, thanks for always being there for some us newbies.

I have my practical driving test coming up in July, but I recently had a minor accident. At the time of the accident, I didn’t have an L sign displayed, and there was no supervising driver with me. I haven’t informed my insurer yet. The other driver has hired a third party (not her insurer) to handle her claim. If the claim doesn’t go in her favor, I’m concerned she might try to claim through my insurance instead — which I want to avoid.

Is it possible not to involve our insurers and settle?
Which is cost effective for me (I have comprehensive)
Will my insurer be liable for the claim as I have provisional?
What are my chances of not involving my insurer?

Unfortunately, the claim would go in her favour, because you were not meant to be on the road unsupervised.......

But I feel you might have bigger issues here.... Let's hope your insurance company does not void your insurance policy (due to you breaching your terms and conditions of driving on a provisional licence)......

Your best bet might be to settle, but I already feel it's too late, because she already got a claim company involved......

Looks like this is going to get very messy, with possibly a police case.......

Goke7:
The fact that other threads have been created out of here is a testament to the success of this thread and that’s what matters.

It’s good to still have dissenters here so we have a feel of what it’s like from those on the other side and how they truly feel about whatever. This thread still serves lots of purposes just look at the pension conversation and am sure so many have been further enlightened about it. So many questions still come up here and get answered. Let’s not be swayed by those who tend to denigrate others that’s the current world we live in.

About those vacant businesses I tend to hear more about this from North America, don’t know usually hear almost anything from the uk and I know it exists just that info about them are almost non existent, what I hear more are Amazon delivery services (where you can operate a branded fleet) franchises and so on. Will be nice to know how buying vacant businesses in the uk works.

I agree with the bolded. It's important this place doesn't become an echo chamber like most of the internet with one view being perpetually reinforced. Also important is that opposing views are aired with respect.

Regarding retiring businesses, it's more constrained in the UK. There'd always be pockets of opportunity in every economy that many would miss - it's those I'm seeking. For e.g, a while back, someone told me about buying a room in a hotel. It was something I never knew about and apparently, he had done well doing that. Didn't pursue it due to certain complexities involved but it was an interesting proposal nonetheless.

Goodenoch:
Yup. That's literally the core of their purpose here and the kind of thing that unfailingly brings them out of the woodwork.

For me, the most telling part was them making light of and indirectly but very clearly justifying the racist violent attacks on people in the riots a couple years ago.
....

I wonder whether they've even given any thought to the impact of the constant negative rhetoric on immigrants' morale because it seems like denigrating immigrants of all stripes is a new Olympic sport where you get points by how much you can show that you're only tolerating them and will make life as difficult as possible for them if given power.

Arguing with the Zahras of this world is a waste of energy.

Hehe @waste of energy.

The infamous race riots.... Interestingly, we just had another round of protests. There was no gaslighting this time so perhaps lessons have been learned.

The path many migrants have to tread is an impossible one. There's the constant denegration in the media e.t.c and on the other hand, those hurling insults also expect you to 'integrate' (whatever that means). At a point, folks just stop caring and go beast mode

Zahra29:
When sophistry fails, switch to ad
hominem. Lol



I don't owe YOU any explanation, but I'll come down to your level for a bit.

I used to be a silent reader when there were lots more intelligent and insightful contributors like @ThatGuyfromHR and Aphrodite.

Unfortunately they stopped commenting, and others like Duchess, and I felt I had to become "active" to counter the increasing levels of misinformation and entitlement (from the likes of you) that started to go unchallenged and uncorrected.

I cannot count the number of times I have "sprung to life" to provide information and clarity on immigration issues, especially when there were major and frequent changes to the immigration rules. You have no idea how many DMs I have received and people I have tried to help outside this platform.

I have discussed mortgages/ buying a home, jobs on this thread/platform. This week I shared an article about a landmark case where an Indian care worker won a handsome payout from his former care employer and I encouraged anyone affected to explore legal action against scam care agencies as a precedent has now been set.

I choose not to participate in pensions ,investing because I think this is a personal and sensitive area.

When the thread was more active, I used to participate in casual convos/"gists" including politics. I have passed on various hacks and product recommendations. I have disagreed with people but still had a pleasant relationship with them e.g. Cyberknight. I have always tried to be polite, even in disagreements, and I have never cussed anyone out.

However, due to "Zahra Derangement Syndrome" or ZDS, which you sadly appear to suffer acutely from, you do/will not see any of these positives . Your dislike of me has clouded your judgement and objectivity and whenever you've engaged with me (e.g. pretending to ask for pension/house advice or pretending to care about my heritage while desperate to label me an anchor baby whose parents came over by boat), it has always been with the thinly veiled intent to attack me or show off/"oppress" 🙄.
I ain't got time for that Mister 😂



LOL 😂 . I do beg your pardon.



Aww, is this your way of inviting me to the Canadian thread? 😊

Please try to rest from all this "wondering" so you can recover from ZDS.

Hehe @Z. This long epistle extolling your virtues? I agree with you.. woman of virtue.

Interestingly, we saw protests this last week and again, I was reminded of the last race riots and your effort to gaslight us. I remember you accusing me of hating Brits and I oddly had to defend myself from an undue insinuation. How time flies... Today I've moved on and have Brits like you (and me) paying down my mortgages while I do the Kings work in Canada. I hope you can now understand how nauseating it gets seeing folks hang on to being British like it's their life blood even to the extent of promulgating different cadres of Brits (where is Mr Television sef?)


All said, can I request your help in getting something done from utopia land
I've still got eyes set on British property investing and thanks to the welcome package received, I'm in a position where I can make a move. I gather the yeilds and capital growth in the north are relatively better than the south but so far I've been hesitant to look at an 'unknown' area. As it's going to be hands-off, I can as well seek the best return. Using your wealth of British experience, what would be the top three cities/towns to target? Good insight would be appreciated.

Lexusgs430:
Unfortunately, the claim would go in her favour, because you were not meant to be on the road unsupervised.......

But I feel you might have bigger issues here.... Let's hope your insurance company does not void your insurance policy (due to you breaching your terms and conditions of driving on a provisional licence)......

Your best bet might be to settle, but I already feel it's too late, because she already got a claim company involved......

Looks like this is going to get very messy, with possibly a police case.......

Hmm.....police case? It is well. What if we were able to settle outside of insurance? Would police still be ?

Fred2020:
Where you qualified to drive when you had the accident and driving in accordance with the law (you seem to suggest not)? If not, I do not see how it can go in your favour.

If that's the case, call the counterparty and settle immediately! It could spiral adversely against you if the above applies and insurance gets involved .

I'm on it. Thanks

Viruses:
Given the conditions under which the incident happened, your insurance is invalid. You will settle out of pucket whether you involve your insurance or not. Your insurer will only settle if your provide a supervising driver.

Ok, thanks

FreakyNasty642:
Hmm.....police case? It is well. What if we were able to settle outside of insurance? Would police still be ?

I already said, settling out of insurance is the best way forward......

But some people can be understandably very unreasonable..... The person might insist on the best bodyshop at a higher than usual price tag and might also want to claim for whiplash......

Putting that claim to an unreasonable zone.......

Question for the house: what is the best way to tackle an unresponsive agency?

In April 2025, I worked for three weeks with an agency called Barker Ross. Being fairly new to working in the UK at the time, I did not understand the importance of getting a P45 from them when I left. Moved onto other jobs and I thought all was well. Not until early this year when I realised I was being overtaxed because HMRC believed I had two jobs. I requested for the P45 and it was sent; however the exit date was put as May 2026 instead of April last year. Since then, I have sent emails, called them, sent some more emails but no response. How best do I get this sorted?

Hey fam,

Please quick question- i have an appointment for my son’s first nigerian passport. He is 2 now and since its a fresh passport contactless is not available to us.

The appointment is on Tuesday at 11am and on the appointment letter it only says to come with the appointment letter, application form, special delivery envelope and £20 postal order. I have been wondering if i am required to go with my 2 years old or if i can attend alone. Also, i was wondering if i could go earlier than my appointment time. Say 9am.

Please responses from individuals who have attended an appointment recently will be preferred as i heard the consulate have altered its operations.

lavida001:
She/he is dangerous for submitting her perspective just because she is being outspoken? Really ? Some of you even call others naive. These are the reasons folks don’t contribute or ask questions here anymore.

Alot of folks here want to control the narrative by denigrating the input of others and constantly trying to be right even when they are far from it.

I'm also being outspoken about how dangerous having someone like her speak for migrants.
She has posted over 10 messages defending a lie that migrants who pay IHS and don't use the NHS much costs the government more. No data whatsoever.

She needs to change her way or always stay away from contributing to things that will make life more hellish for genuine people starting out life as migrants.

justwise:
I disagree with you on this, i do not agree with her in certain issues regarding immigration policies by current and previous government but calling her dangerous is well over the top. We need a balance view in this thread and Zahra29 contributions is essential.

I know that she does come across as the female version of Alastair Campbell during Tony Blair time but she does it in a meaningful way.

Helping answer a few questions on a forum even while promoting lies against migrants still makes one dangerous.

NewT123:
I think dangerous is too harsh. She has helped in some ways even if i may not agree with her on some topics

❤️

justwise:
I disagree with you on this, i do not agree with her in certain issues regarding immigration policies by current and previous government but calling her dangerous is well over the top. We need a balance view in this thread and Zahra29 contributions is essential.

I know that she does come across as the female version of Alastair Campbell during Tony Blair time but she does it in a meaningful way.

Thanks Justwise

Lol @ female Alastair Campbell 🙈

lavida001:
She/he is dangerous for submitting her perspective just because she is being outspoken? Really ? Some of you even call others naive. These are the reasons folks don’t contribute or ask questions here anymore.

Alot of folks here want to control the narrative by denigrating the input of others and constantly trying to be right even when they are far from it.

The comment from the poster from northern Nigeria likening me to a bandit was interesting, to put it mildly 😊

Cyberknight:
Dear oh dear. Something has escalated quickly and emotions do seem to be running high.

For what its worth (given that we’re all ultimately internet randos to one another), I think the animus against Zahra is misplaced because I think she’s been an overall helpful contributor here. I do agree that some of her comments can come across as gatekeeping, but that doesn’t bother me in the slightest and – more to the point – were the roles reversed, I think many people would probably act the same way.

Similarly, the tone of some of the comments from the other side comes across as entitled, and sometimes verges on the farcical. For instance, the occasional bashing of native Brits as being “lazy” and welfare-addicted together with the associated romanticisation of our people as being hardworking “hustlers” is quite weird. Without toeing Mrs. Badenoch’s line, I think it goes without saying that if Nigeria had a social welfare system, it would be abused and exploited to the extent possible just as much as the Brits or any other developed country residents do with theirs.

Obviously these conflicts and tensions are going on in other non-white British communities as well. A cursory read of Reddit will show that. A couple of people here have summed up this whole matter perfectly and pithily - in the coming years our descendants too will have the same range of opinions and viewpoints of the current crop of second and third generation immigrant families and given that human beings exist in a state of perpetual conflict anyway, the cycle of disagreement and strife in this area will have no end. Ultimately, I think that we can all disagree and try to see others’ perspectives without inflamed emotions.

Cyberknight: Dear oh dear. Something has escalated quickly and emotions do seem to be running high.

Lol! That time of the month perhaps 😂

Very sensible and balanced comment as always

jedisco:
Hehe @Z. This long epistle extolling your virtues? I agree with you.. woman of virtue.

Interestingly, we saw protests this last week and again, I was reminded of the last race riots and your effort to gaslight us. I remember you accusing me of hating Brits and I oddly had to defend myself from an undue insinuation. How time flies... Today I've moved on and have Brits like you (and me) paying down my mortgages while I do the Kings work in Canada. I hope you can now understand how nauseating it gets seeing folks hang on to being British like it's their life blood even to the extent of promulgating different cadres of Brits (where is Mr Television sef?)


All said, can I request your help in getting something done from utopia land
I've still got eyes set on British property investing and thanks to the welcome package received, I'm in a position where I can make a move. I gather the yeilds and capital growth in the north are relatively better than the south but so far I've been hesitant to look at an 'unknown' area. As it's going to be hands-off, I can as well seek the best return. Using your wealth of British experience, what would be the top three cities/towns to target? Good insight would be appreciated.

jedisco:
Interestingly, we saw protests this last week

Yes, not the first protest this year, and I'm sure you're aware that there were also multiple protests last year of a similar nature, mostly targeting asylum accommodation/seekers. It's now become a recurring theme since the 2024 Southport riots/protests, and it looks set to continue unfortunately.

jedisco:
Today I've moved on and have Brits like you (and me) paying down my mortgages while I do the Kings work in Canada. I hope you can now understand how nauseating it gets seeing folks hang on to being British like it's their life blood even to the extent of promulgating different cadres of Brits

I'm sorry but I don't understand what you're going on about, and I don't mean to be rude but it does sound slightly unhinged.

jedisco:
I've still got eyes set on British property investing ...

My advice would be to ask this on one of the numerous Reddit housing /property investing sub pages - you'll definitely get broad perspectives and solid insights to help you. All the best.

naivasha:
Question for the house: what is the best way to tackle an unresponsive agency?

In April 2025, I worked for three weeks with an agency called Barker Ross. Being fairly new to working in the UK at the time, I did not understand the importance of getting a P45 from them when I left. Moved onto other jobs and I thought all was well. Not until early this year when I realised I was being overtaxed because HMRC believed I had two jobs. I requested for the P45 and it was sent; however the exit date was put as May 2026 instead of April last year. Since then, I have sent emails, called them, sent some more emails but no response. How best do I get this sorted?

Hey, it's helpful but by no means essential to have a P45 from your previous employer when you start a new job. If you don't have a P45, e.g. you may have lost it, you can fill in a new starter checklist form at your new job which will be used to calculate your tax code
https://www.gov.uk/guidance/starter-checklist-for-paye

If you are concerned that your pay or tax amounts are incorrect, you can use the below service to update relevant details, and/or inform HMRC of any changes. HMRC should then contact your previous employer if necessary and ask them for the correct details.

https://www.gov.uk/check-income-tax-current-year

directonpc:
I'm also being outspoken about how dangerous having someone like her speak for migrants.
She has posted over 10 messages defending a lie that migrants who pay IHS and don't use the NHS much costs the government more. No data whatsoever.

She needs to change her way or always stay away from contributing to things that will make life more hellish for genuine people starting out life as migrants.

You clearly have not read or understood my comments because this is not what I said.

Perhaps go back and read my previous posts first/again....take your time.

In this conversation about life insurance I hope people are taking into consideration that it’s something that’s intended to come into effect in case of an unexpected death while still ‘young’ and when one still has dependents, not when all your children are grown and have struck out on their own and are capable of fending for themselves in your absence.

It’s not an investment you’ll be looking to get returns from, just like your car/house insurances are also not investments you hope to ever have to get returns from.

The notion that the best way is to spend your money with them while you’re alive is good but do you know how long you’ll be around to continue making money and spending it with your family on an ongoing basis? In short, life insurance serves a completely different purpose.
It’s for if you die in an accident or have a heart attack at 30, 40, 50 or 60-something years old. What will your family eat? How will they pay off the mortgage? How will your wife/husband be able to care for the children on their own in the absence of your income and your input in childcare etc?

For people who have enough assets that can be disposed off to fund things like that (eg you have investment properties separate from your main residence or a substantial shares portfolio), you might not need life insurance.

For everyone else, please don’t allow the mindset that ‘they will get money when I die’ to prevent you from paying the 15 pounds or so per month to ensure your family doesn’t suffer unexpectedly soon.

Lolli2pop:
Hey fam,

Please quick question- i have an appointment for my son’s first nigerian passport. He is 2 now and since its a fresh passport contactless is not available to us.

The appointment is on Tuesday at 11am and on the appointment letter it only says to come with the appointment letter, application form, special delivery envelope and £20 postal order. I have been wondering if i am required to go with my 2 years old or if i can attend alone. Also, i was wondering if i could go earlier than my appointment time. Say 9am.

Please responses from individuals who have attended an appointment recently will be preferred as i heard the consulate have altered its operations.

Please can someone help on this?

Lolli2pop:
Please can someone help on this?

From experience and what I know those who come with children to the embassy are always given priority so go as early as possible like 7am I think from 7.30 another door or entrance is open to those with kids since they are priority and they attend to them asap. I hope this is still the case as my experience was in 2024.

Goodenoch:
In this conversation about life insurance I hope people are taking into consideration that it’s something that’s intended to come into effect in case of an unexpected death while still ‘young’ and when one still has dependents, not when all your children are grown and have struck out on their own and are capable of fending for themselves in your absence.

It’s not an investment you’ll be looking to get returns from, just like your car/house insurances are also not investments you hope to ever have to get returns from.

The notion that the best way is to spend your money with them while you’re alive is good but do you know how long you’ll be around to continue making money and spending it with your family on an ongoing basis? In short, life insurance serves a completely different purpose.
It’s for if you die in an accident or have a heart attack at 30, 40, 50 or 60-something years old. What will your family eat? How will they pay off the mortgage? How will your wife/husband be able to care for the children on their own in the absence of your income and your input in childcare etc?

For people who have enough assets that can be disposed off to fund things like that (eg you have investment properties separate from your main residence or a substantial shares portfolio), you might not need life insurance.

For everyone else, please don’t allow the mindset that ‘they will get money when I die’ to prevent you from paying the 15 pounds or so per month to ensure your family doesn’t suffer unexpectedly soon.

They all know that, their buckets would not be kicked, till they hit 95....... 😂😁