Home insurance

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jansman
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Joined: Thu Dec 30, 2010 7:16 pm

Home insurance

Post by jansman » Wed Sep 05, 2018 6:59 pm

There was a mention about home insurance being a solid,basic prep.Mine is due now.Just done an online quote.1 million quid buildings cover,£100,000 contents.£138 quid for the year! And a good name d compsny,Legal and General.

Probably the best prep to start with.
In three words I can sum up everything I have learned about life: It goes on.

Robert Frost.

Yorkshire Andy
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Joined: Thu Oct 03, 2013 4:06 pm

Re: Home insurance

Post by Yorkshire Andy » Wed Sep 05, 2018 7:13 pm

Yep and the ring round every year getting a few quotes... No rewards for been loyal these days..


And remember the comparison sites front end load the price for their referral commission.... ( Which is why meercats will "refuse to quote" "ABC insurance" if confused.com has already given you a price .....


From a friend who works in insurance don't lie about things like are you or any member of the household a smoker... As in the event of a fire and the brigade report says caused by smoking material your deepbin the poo
If your roughing it, Your doing it wrong ;)

Lack of planning on your part doesn't make it an emergency on mine

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Deeps
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Joined: Sun Nov 09, 2014 8:36 pm

Re: Home insurance

Post by Deeps » Wed Sep 05, 2018 7:54 pm

Houses and pets, 2 sort of insurance I''ll be keeping up.

Arzosah
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Joined: Fri Jun 22, 2012 4:20 pm

Re: Home insurance

Post by Arzosah » Wed Sep 05, 2018 8:22 pm

My home insurance was expensive for ages, because not only did I have a home office, I also had clients callng at the house. The drop in the quote when I'd retired was great :lol:

ETA - we were talking recently about people with criminal records being into preparedness, a new member's situation? Home insurance is awful, potentially - it can be three or four times the price, nothing to do with whatever the conviction's for :(
My blog: http://www.preparednessfactandfiction.co.uk/
There are affiliate links to Amazon in this blog.

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peejay
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Location: Midlands, UK

Re: Home insurance

Post by peejay » Wed Sep 05, 2018 9:41 pm

jansman wrote:
Wed Sep 05, 2018 6:59 pm
There was a mention about home insurance being a solid,basic prep.Mine is due now.Just done an online quote.1 million quid buildings cover,£100,000 contents.£138 quid for the year! And a good name d compsny,Legal and General.

Probably the best prep to start with.
?????

I haven't got the most recent cost to hand but I know that in 2014 I was paying >£800 for buildings/contents insurance for the year - house value is only up to 140k (that's purchase, not rebuild) and I think the contents was only about £25k !!!

Mine is next due in Jan - I think I'll be doing some serious shopping around!!

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peejay
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Location: Midlands, UK

Re: Home insurance

Post by peejay » Wed Sep 05, 2018 9:53 pm

Wow, just threw a quote in & buildings/contents cover up to £1.5m/£150k comes in at just £274/yr for me - just checked my insurance DD & it's currently £74/month! :-O

Methinks I'll be calling them tomorrow to find the cancellation impact - even if I just cancelled with no refund of remainder I'd still end up with a way better value policy! :-O

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Deeps
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Re: Home insurance

Post by Deeps » Wed Sep 05, 2018 10:41 pm

peejay wrote:
Wed Sep 05, 2018 9:53 pm
Wow, just threw a quote in & buildings/contents cover up to £1.5m/£150k comes in at just £274/yr for me - just checked my insurance DD & it's currently £74/month! :-O

Methinks I'll be calling them tomorrow to find the cancellation impact - even if I just cancelled with no refund of remainder I'd still end up with a way better value policy! :-O
All the insurances are worth checking out, so is the AA/RAC/Green thingy if you do that too. Even if you just have an argy bargy with your provider you will save a fortune. Same with Sky if you deal with them, they will go down to 50% if you hold out. Not an urban myth I've done it for a few years.

jansman
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Joined: Thu Dec 30, 2010 7:16 pm

Re: Home insurance

Post by jansman » Thu Sep 06, 2018 6:09 am

Sky put ours up again, and I cancelled it. I was about to install a freesat box, and they called. Offered us the family pack ( £40 or so) for £11 a month! In March, if they put it up, it’s back to freesat! :lol:
In three words I can sum up everything I have learned about life: It goes on.

Robert Frost.

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pseudonym
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Joined: Wed Jul 27, 2011 10:11 am
Location: East Midlands

Re: Home insurance

Post by pseudonym » Thu Sep 06, 2018 11:12 am

Read the fine, fine print as well.

Fully covered for leaky pipes or so I thought until they came around to survey. Cancelled on the spot, kicked out the surveyor and went with Winston Wolf :mrgreen:
The roads are pretty bad and if you do end up getting stuck its hard to justify your reason for being on the roads as 'vegan mince for a feckin' princess'.

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peejay
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Location: Midlands, UK

Re: Home insurance

Post by peejay » Thu Sep 06, 2018 7:46 pm

Ran out of time to phone mine & shout today so just did a quote on confused.com & the cheapest was £145 with 18 other quotes below £200, including my own incumbent quoting £186 !!!!

I'm on a roll now - been too lazy to shop around & haggle with digital services (Sky/Virgin etc.) & have calculated that if I get my finger out I should be able to sort a good £2.5k/year saving! I can certainly find better things to be spending that sort of money on...

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