DIY for insuracne - probably OT

Could be your post code which is the problem. If its got a bad reputation for any reason they tend to just pile on the pounds.

Brian

Insurance is going up to pay for all the flood damage. There is a row going on with the gov over flood prevention schemes, there was a holdoff pending the outcome. But now there is a bust up. A lot of people won't get insurance and others won't be able to afford it.

I don't see why I should pay more to "insure" some idiot that wants a house on a flood plain. I also don't think its good value to keep building flood defences, they should remove the houses from the flood plains.

I don't know about removing the flood defences, but why should some cheap floodable land suddenly become valuable because the rest of us pay to insure the houses built there?

Much of the recent flooding wasn't of traditional flood plains.

Define traditional. We have been going through a building program and adding flood defences that move the flood plains. Build a flood defence and flood someone else appears to be the norm ATM.

Check also when you get a renewal quote that the terms are the same.

If the renewal quote looks reasonable check the small print - an excess of hundreds of quid may have been added (to the existing excess) making claims of less than £500 pointless.

Are they not the same organisation that charges an arm and leg for car breakdown insurance? :) Saga is just a brand/badge put on products to fool those over the age of 50 :(

I've had insurance with Saga on more than one occasion. They are just as bad as every other insurance (broker?) company and will bump up the prices by 30/40% on the renewal quote.

This isn't about going for the cheapest - it's about hiking the price for being loyal. Same cover, same insurance company but with two different prices, one for being a new customer and the other for being an existing customer.

Consider also that you may not be dealing with an insurance company directly when buying insurance. You are not being insured by Tesco, Saga, the AA, Swinton etc. They just go an find the deal where they can most commission.

Many of the competing insurance brands are actually the same companies trading under multiple identities. Often two brands with the same parent will quote vastly different rates.

In message , sweetheart writes

Hello blast from the past

What are the rebuilding costs, not the "value" of the property

What contents do you NEED to insure?

Now go back and check what they all have to offer, show no loyalty, they don't

Claims of under £500 frequently are pointless since they will just up the insurance premiums as a result and get it back off you twice over.

Provided you can stand a £300-500 excess that is one way to bring down the extortionate cost of insurance.

Regards, Martin Brown

One of the root causes - too much land drainage. For decades now, every fcker and his dog have been draining all the acres they can find to get it into production and get some money for it - the result; as soon as rain hits it, it's whizzed off down the drains into the rivers and no longer gets a chance to percolate down through the soil as it used to. Many of the ponding areas have vanished for the same reason.

That is certainly true .I live on a public footpath and farm track ( at the end) . The farmers changed methods about 15 years ago and it results in a "stream" of water when it rains which makes the footpath impassible. The council had to sort it out with additional gullies. Whilst there is no flooding, it certainly makes for more boggy land and we are on light well graining land.