House and Contents Insurance - who do you recommend
Discussion
I'm insured through AA because it was cheapest and I got a discount due to my breakdown membership.
However, they do have a clause which says that all your windows must be locked at night and the key removed, which I find rather excessive and potentially dangerous. Unfortunately, didn't realise until after I'd taken the insurance out but otherwise I don't have a problem with them.
However, they do have a clause which says that all your windows must be locked at night and the key removed, which I find rather excessive and potentially dangerous. Unfortunately, didn't realise until after I'd taken the insurance out but otherwise I don't have a problem with them.
TBH it all depends upon where you are, what your house is constructed of and loads of other more piffling factors. So many companies now seem to offer deals in different circumstances. Best to just shop around.
My own insurance is with the NFU, they even include my live stock under the house insurance. See what I mean about different circumstances.
Hope you find a goodun mate.
My own insurance is with the NFU, they even include my live stock under the house insurance. See what I mean about different circumstances.
Hope you find a goodun mate.
ledger said:
I have always had mine with nationwide. Don't know if they are cheap, but I have made several claims with them and they have never quibled about paying out. The last was for several thousand pounds worth or drainange repairs (at one stage we thought we were looking at about 10k)
On that note:
I was surprised that Nationwide didnt even offer me their insurance - bearing in mind theyve just sold me their mortgage services!?
I'll give them a shout too.
Can't say who is best as have never (touch wood) had a claim. As for cheapest: Have a look here--> www.thisismoney.co.uk/insurancefinder
a911dom said:
I have always had mine with nationwide. Don't know if they are cheap, but I have made several claims with them and they have never quibled about paying out. The last was for several thousand pounds worth or drainange repairs (at one stage we thought we were looking at about 10k)
On that note:
I was surprised that Nationwide didnt even offer me their insurance - bearing in mind theyve just sold me their mortgage services!?
I'll give them a shout too.
This maybe completely wrong, I'm sure PH will correct me, but I think that there is something to be said for having contents and buildings with the same firm. Also for having the buildings insurance with the same company as the mortgage, it's their money tied up in the house then.
greg_D said:
another vote for Direct Line,
for some reason they are always way cheaper than anyone for everything i need to insure, i had a motor claim with them back in '98 and the service was exceptional, cannot recommend highly enough
Yep, Ive had my pets insured with them for years and they have been superb - I'll give them a shout too.
Cheers...
Be aware of *what* you are actually getting from the policy ...... they are NOT all the same.
"specified sum assured " is often cheapest , but only insures up to a specified limit - which will need increasing as you acquire more possessions. Many discount / cheap policies with various direct / online providers fit this category.
"Unlimited cover" with " all risks " does what it says - usually costs more but gives better protection , and you won't be "underinsured" in case of a claim.
You get what you pay for.
I have used Abbey (National ) - for "unlimited" cover(they are very good IMHO) , and also Direct Line and N.U for spec. sum assured.
"specified sum assured " is often cheapest , but only insures up to a specified limit - which will need increasing as you acquire more possessions. Many discount / cheap policies with various direct / online providers fit this category.
"Unlimited cover" with " all risks " does what it says - usually costs more but gives better protection , and you won't be "underinsured" in case of a claim.
You get what you pay for.
I have used Abbey (National ) - for "unlimited" cover(they are very good IMHO) , and also Direct Line and N.U for spec. sum assured.
Use one of the screenscrapers recommended by www.moneysavingexpert.com and follow the advice.
Halifax as it happens were best in my case weighing up all factors of price, service, risks.
Or as the tyre developers call it "Dancing in the magic triangle"
Halifax as it happens were best in my case weighing up all factors of price, service, risks.
Or as the tyre developers call it "Dancing in the magic triangle"
ledger said:
Also for having the buildings insurance with the same company as the mortgage, it's their money tied up in the house then.
I would strongly suggest peopole getting quotes for buildings insurance separately from their mortgage deal. It has been known for a company to charge a higher price for the same product if you tick a box on your mortgage form, than if you get an independent quote.
boiler said:
Also for having the buildings insurance with the same company as the mortgage, it's their money tied up in the house then.
I would strongly suggest peopole getting quotes for buildings insurance separately from their mortgage deal. It has been known for a company to charge a higher price for the same product if you tick a box on your mortgage form, than if you get an independent quote.
This is true. Just taken out a mortgage with NR, but their buildings and contents insurance is double of the cheapest on the market (for the same cover). I've laughed at their offer and gone with another company, but the sods are going to charge me an extra £25 for not taking the insurance with them. www.moneysupermarket.com is a good place to start looking.
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