I was wondering whether anyone could recommend a provider of buildings and house contents insurance as I'm sure that I am not getting a good deal at present. I'm not looking for anything special and the house is a pretty standard 3 bed semi.
Jill
Tesco
Do you or partner work for the public sector (e.g. teachers, nurses etc.)? If so then Zurich to pretty good rates.
Al
Any company that is not your current insurer will probaby do, judging by the crap renewal quotes I always get. It's becoming tiresome to have to switch insurers every year :-(
Yes, I know the feeling. I finally got sick of paying the increased charges every year. Phoned my existing insurer of many years who seemed disinterested and made no attempt to persuade me to stay with them.
OK, thanks, I hadn't thought of Tesco.
Rather to my amazement, I've phoned around every year and still no-one has beat Barclays, who got it by default in the 1st year for being my mortgage company at the time. Last year, Direct Line wanted 30% extra and didn't even have unlimited contents cover.
Christian.
I've just got mine from the Money Extra site
HTH
John
Reputable insurer or one of these little firms no-one has ever heard of?
Indeed.
We've given it up. Instead we put the premium in a savings account.
There was a time when we had to do property insurance for mortgage reasons. There was a time when we were fearful of 'what if' so we did contents insurance. But we've paid far, far more than we've ever claimed (about £400 in forty years) and, frankly, there's nothing really important that we'd mind losing except Spouse's tools. Even they can be replaced.
I'm not recommending this path for most people but we did a very serious assessment for our own needs and responsibilities and decided that we didn't want to fund the companies and subsidise other customers from our relatively meagre income.
When we've had any damage to our property or furnishings, such as they are, we haven't claimed because we didn't want other people doing jobs which we could do better 'in house'.
When we've had theft (which is very rare) we haven't claimed because either the value has been lower than they start paying out on or, after the only time we did claim, we couldn't bear running the gamut of all the questions. Since most of the things inside our house are old and were handed on rather than bought we have no receipts, that makes the interrogation far more - well almost aggressive.
So we're a few hundred pounds a year better off. If the house is torched we'll sell the site and live in our caravan on a daughter's farm. It will relieve our heirs of how to dispose of our worthless possessions.
Mary
I remortgaged with the same building society (Halifax) last year, and my=20 insurance had been >=A3560 per year. The mortgage advisor told me she could= =20 do better immediately, and set up a new policy at just over half the cost= =20 with... themselves ?!?
Might be worth asking whoever you`re already with if they can do better !
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I got the best deal from Saga...but you or partner have to be over 50...
cheapest for me.
But what are the drawbacks/penalites?
Mary
I remortgaged with the same building society (Halifax) last year, and my insurance had been >£560 per year. The mortgage advisor told me she could do better immediately, and set up a new policy at just over half the cost with... themselves ?!?
Might be worth asking whoever you`re already with if they can do better !
That's certainly been our experience with car insurance. When it's gone up ridiculously I've protested and said we'd move and they've made very good offers. This year they got down to a reasaonble level but when I said no they said they couldn't go any lower but they'd send a cheque for £20 a month later.
And they did.
Mary
Just changed mine to Age Concern (over 50s) and saved over £300 a year.
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