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[Finance] Home Insurance



W

Wardy's twin

Well-known member
Oct 21, 2014
8,434
Does anyone have any recommendations regards good companies to supply building and house insurance. I had a quick go on gocompare but most of those on the list it produced are companies i am not familiar with.... Current supplier is LV who have upped their price by 10% and don't want to negotiate.
 




elwheelio

elwheelio

Amateur Sleuth
Jan 24, 2006
1,892
Brighton
I thought this was going to be a joke about how we get "robbed" at home all the time.
 


J

juliant

Well-known member
Apr 4, 2011
558
Northamptonshire
Moneysupermarket ? Aviva direct?

My only advice when filling out these forms is do not put in a real home telephone number on the quote. We have had a new line in our property since jan 2020 with not 1 unsolicited call. Wife did a home insurance quote few weeks back and now every day we are getting the usual amazon and BT scam calls. Someone out there sells telephone numbers :censored:
 


elwheelio

elwheelio

Amateur Sleuth
Jan 24, 2006
1,892
Brighton
juliant said:
Moneysupermarket ? Aviva direct?

My only advice when filling out these forms is do not put in a real home telephone number on the quote. We have had a new line in our property since jan 2020 with not 1 unsolicited call. Wife did a home insurance quote few weeks back and now every day we are getting the usual amazon and BT scam calls. Someone out there sells telephone numbers :censored:
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On this point, when filling in forms online for a company/shop/quote etc. Put your middle name as the name of the company. That way you can work out who's sold your data.
 


B

boik

Well-known member
Sep 3, 2011
3,355
Between Happiness and Heartache
elwheelio said:
On this point, when filling in forms online for a company/shop/quote etc. Put your middle name as the name of the company. That way you can work out who's sold your data.
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I have my own domain so I use <company>@<mydomain>.com for the same purpose. Only ever had 2 companies sell on my email address and it was easy to blacklist those.
 




Super Steve Earle

Super Steve Earle

Well-known member
Feb 23, 2009
8,354
North of Brighton
I got a brilliant 3 year fixed deal with Natwest off their website a couple of years ago. Might be worth a look as they probably aren't on the comparison sites. Elite cover if I remember rightly. Don't skimp on the cover. There's half a bungalow near me with the roof and the rooms inside all gone and downstairs ruined by fire. Never under insure your Home and Contents.
 


The Andy Naylor Fan Club

The Andy Naylor Fan Club

Well-known member
Aug 31, 2012
5,147
Right Here, Right Now
Wardy's twin said:
Does anyone have any recommendations regards good companies to supply building and house insurance. I had a quick go on gocompare but most of those on the list it produced are companies i am not familiar with.... Current supplier is LV who have upped their price by 10% and don't want to negotiate.
Click to expand...

I used Compare the market a couple of weeks ago for my car insurance when my insurer ( AXA) put up my premium. After a quick call to AXA to see if the could match the lowest new quote they actually quoted me a figure of £45 above the renewal premium! I said thanks but no thanks and promptly took up the quote from the comparison website ( which, may I add was nearly half the cost of the new AXA premium), this was a like for like swap and I also done a quick Google search on the new insurer/broker as I too had never heard of this company. Their reviews were fine so this put my mind at rest. Don't be put off by a company you are not familiar with.
 


Super Steve Earle

Super Steve Earle

Well-known member
Feb 23, 2009
8,354
North of Brighton
The Andy Naylor Fan Club said:
I used Compare the market a couple of weeks ago for my car insurance when my insurer ( AXA) put up my premium. After a quick call to AXA to see if the could match the lowest new quote they actually quoted me a figure of £45 above the renewal premium! I said thanks but no thanks and promptly took up the quote from the comparison website ( which, may I add was nearly half the cost of the new AXA premium), this was a like for like swap and I also done a quick Google search on the new insurer/broker as I too had never heard of this company. Their reviews were fine so this put my mind at rest. Don't be put off by a company you are not familiar with.
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I agree, don't be put off by a company you aren't familiar with, but exercise caution. You aren't buying the cheapest premium, you are buying the peace of mind of knowing there is an easy claims process and full and quick recovery of loss when you need it.
 




Dick Swiveller

Dick Swiveller

Well-known member
Sep 9, 2011
9,155
Been with Privilege a while and they haven't tried any stupid price hikes yet which is a plus in my book. Try and scam me and lose my business. Sky are the only ones I do the discount dance with these days. Anyone else tries to hike the price won't get a phonecall - they just lose the business.
 


beorhthelm

beorhthelm

A. Virgo, Football Genius
Jul 21, 2003
35,302
i use compare the meerkat then choose the cheapest that isnt a supermarket/bank/brand reselling insurance. then have check actually like for like on the extra cover (like legal, accident damage) and some of the terms for drains and other water related cover. then do it all again in 12 months when they ramp up the price 30%.
 


Gazwag

Gazwag

5 millionth post poster
Mar 4, 2004
30,137
Bexhill-on-Sea
If you have car(s) look at Admiral as you can have a multi cover policy which might save you money overall. You can have family as well who dont live with you. Our policy covers my car, home contents and buildings as well my daughters car and her flat contents.

You might not even need to renew your car insurance until it due to renew as they will build that into a quote as well, that what they did with us about 3 years ago.
 




Cheshire Cat

Cheshire Cat

The most curious thing..
Nov 4, 2006
11,436
Sitting on a bough of a tree a few yards off...


W

Wardy's twin

Well-known member
Oct 21, 2014
8,434
beorhthelm said:
i use compare the meerkat then choose the cheapest that isnt a supermarket/bank/brand reselling insurance. then have check actually like for like on the extra cover (like legal, accident damage) and some of the terms for drains and other water related cover. then do it all again in 12 months when they ramp up the price 30%.
Click to expand...

thanks ... LV were really good to start with then i found that prices were drifting up , phoned and they HALVED my premium. This time they are saying they are offering the cheapest quote even though they are cheaper on gocompare for same deal. They just seemed disinterested. They lost my daughters car when they were quoting 3 times the price of other 'named' companies (and that was £1000 different). Funnily enough my car insurance is cheaper with them this year for same package.
 


edna krabappel

edna krabappel

Well-known member
NSC Patron
Jul 7, 2003
47,221
Ours is with Ageas. They weren't exactly the cheapest, but when I made a claim recently after giving my MacBook an unintentional shower, their service was absolutely excellent: couldn't fault them.
 




P

Prettyboyshaw

Well-known member
Feb 20, 2004
1,104
Saltdean
Being an Insurance broker I’d say don’t use banks or building societies when beat their rates easily and if people have taken out cover with their mortgage they are usually getting fleeced.
 


E

Elbow750

Well-known member
Jun 21, 2020
449
I'm with Direct Line for home contents. Brilliant service and good price. They don't come up on comparison sites but you do get an extra discount if your car is with them too. Buildings is UIA, but I'm kinda stuck with them as the house subsided a few years back and they paid £40,000 for under-pinning, so no one else wants the business. :eek::eek:

Be careful what cover you get with cheap quotes, and good luck.
 


DavidinSouthampton

DavidinSouthampton

Well-known member
NSC Patron
Jan 3, 2012
16,581
Elbow750 said:
I'm with Direct Line for home contents. Brilliant service and good price. They don't come up on comparison sites but you do get an extra discount if your car is with them too. Buildings is UIA, but I'm kinda stuck with them as the house subsided a few years back and they paid £40,000 for under-pinning, so no one else wants the business. :eek::eek:

Be careful what cover you get with cheap quotes, and good luck.
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We are with Santander and have been for many years for precisely the same reason - the house was underpinned in 1998ish, and it had also been underpinned in 1977 before we bought it.

When we have tried elsewhere it’s either horrendously complicated or they just don’t quote when they see the postcode. We have over the last few years rung up and talked to them, though, and got the price down. They’ve been ok.
 


drew

drew

Drew
Oct 3, 2006
23,050
Burgess Hill
Wardy's twin said:
Does anyone have any recommendations regards good companies to supply building and house insurance. I had a quick go on gocompare but most of those on the list it produced are companies i am not familiar with.... Current supplier is LV who have upped their price by 10% and don't want to negotiate.
Click to expand...

If the quotes are a lot cheaper and the only thing holding you back is the unfamiliar name, do a check on Companies House. Most of these names are probably backed by a bigger branded insurer. You can also check if they are members of the Association of British Insurers

https://www.abi.org.uk/about-the-abi/abi-members/
 




drew

drew

Drew
Oct 3, 2006
23,050
Burgess Hill
Elbow750 said:
I'm with Direct Line for home contents. Brilliant service and good price. They don't come up on comparison sites but you do get an extra discount if your car is with them too. Buildings is UIA, but I'm kinda stuck with them as the house subsided a few years back and they paid £40,000 for under-pinning, so no one else wants the business. :eek::eek:

Be careful what cover you get with cheap quotes, and good luck.
Click to expand...

Surprised by that, would have thought that if you have had underpinning done then you are probably a better risk now!
 


Weststander

Weststander

Well-known member
NSC Patron
Aug 25, 2011
63,915
Withdean area
Wardy's twin said:
thanks ... LV were really good to start with then i found that prices were drifting up , phoned and they HALVED my premium. This time they are saying they are offering the cheapest quote even though they are cheaper on gocompare for same deal. They just seemed disinterested. They lost my daughters car when they were quoting 3 times the price of other 'named' companies (and that was £1000 different). Funnily enough my car insurance is cheaper with them this year for same package.
Click to expand...

I have a mixed picture with LV.

Great value on my car insurance for years now, no sneaky rises and amazing claims service when a pillock took my new car out.

But with home insurance, after no claims in 20 years, over a couple of years we made three honest claims on phone/tablet screens broken under device accidental cover. Next year’s premium trebled! Trying to shop around, we then found it almost impossible to get insured elsewhere due this ‘awful’ claims history. The lesson: don’t make valid claims unless your home burns down.
 


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