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  • FIRST POST
    • guitarman001
    • By guitarman001 14th Jun 17, 6:01 PM
    • 1,024Posts
    • 532Thanks
    guitarman001
    Emergency home cover overlap
    • #1
    • 14th Jun 17, 6:01 PM
    Emergency home cover overlap 14th Jun 17 at 6:01 PM
    We are buying a new build.

    I understand there is a 2 year warranty and you get an emergency hotline if anything goes wrong.

    I got two quotes for home insurance from Direct Line... One is the normal one, £290... Other is PLUS which includes travel insurance and emergency cover. This is an extra £80, or £370 total.

    --> is this a waste of £80? Assuming I have to get travel insurance anyway for say £20, that's emergency cover for £60 thrown in, but I think I may be paying twice for the same thing...
Page 1
    • FutureGirl
    • By FutureGirl 14th Jun 17, 7:27 PM
    • 844 Posts
    • 339 Thanks
    FutureGirl
    • #2
    • 14th Jun 17, 7:27 PM
    • #2
    • 14th Jun 17, 7:27 PM
    Was the £290.00 quote with personal possessions and accident damage cover added? (You have to select them to add them to the quote, they don't come as standard on a normal policy).

    The Plus one will most certainly also include legal cover, personal possessions and accidental damage cover, and will also have higher limits as well.
    Capital One:£1,259.40/£1,300.00
    Aqua: £273.29/£300.00
    o2: £221.00 / £271.00
    • guitarman001
    • By guitarman001 14th Jun 17, 9:45 PM
    • 1,024 Posts
    • 532 Thanks
    guitarman001
    • #3
    • 14th Jun 17, 9:45 PM
    • #3
    • 14th Jun 17, 9:45 PM
    £290 one included accidental on buildings and contents, legal cover.
    What is personal possessions.. is that like jewellery?

    So you can see the standard one is pretty decent... But for all of £80 I can check the docs when they arrive. It seems difficult to find the details of home plus online.
    • rs65
    • By rs65 14th Jun 17, 10:29 PM
    • 5,110 Posts
    • 2,432 Thanks
    rs65
    • #4
    • 14th Jun 17, 10:29 PM
    • #4
    • 14th Jun 17, 10:29 PM
    . It seems difficult to find the details of home plus online.
    Originally posted by guitarman001
    Its easy to find

    https://www.directline.com/home-insurance/policy-documents
    • guitarman001
    • By guitarman001 15th Jun 17, 7:46 AM
    • 1,024 Posts
    • 532 Thanks
    guitarman001
    • #5
    • 15th Jun 17, 7:46 AM
    • #5
    • 15th Jun 17, 7:46 AM
    Thank you (and apologies, was up near 48 hours due to hospital incident with terminally ill wife, but at had to sort this out).

    --> Reading over it... I'm not sure the Home Emergency really covers all that much. I think I might ring them to get put back onto the standard insurance, buy my own travel insurance and pocket the £60 difference. I can rely on the builder 2-year warranty and after that period, take out a "real" home emergency cover with the likes of British Gas.
    Last edited by guitarman001; 15-06-2017 at 7:59 AM.
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