Household insurance renewal time - and our insurers are hiking premiums once again... looking to save a few quid I'm pondering whether the Accidental Damage Cover (for buildings and contents) is actually worth the £150 extra, especially when there would be, in the event of a claim, the excess to pay and then the future loss of NCB to pay for etc.
Ideally I'd trawl for a better quote but the house is old and has interesting (tho so far historical) evidence of minor subsidence, so getting quotes "honestly" has been a pain involving copies of surveys and paying extra with extra excesses on top etc.
NB we've never claimed on this insurance and the house has no mortgage! :>)
Anyone have any thoughts/experiences ?
thanks in advance Jim