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  • FIRST POST
    • Former MSE Wendy
    • By Former MSE Wendy 17th Jun 08, 11:39 AM
    • 868Posts
    • 1,782Thanks
    Former MSE Wendy
    Home Insurance Cashback Success
    • #1
    • 17th Jun 08, 11:39 AM
    Home Insurance Cashback Success 17th Jun 08 at 11:39 AM


    This discussion relates to cashback success for home insurance as mentioned in the

    Cheap Home Insurance Article

    To report your success click reply

    To discuss home insurance or ask a question read this thread
    Last edited by MSE Andrea; 25-03-2014 at 12:01 PM.
Page 8
    • beanielou
    • By beanielou 10th Nov 15, 4:03 PM
    • 46,583 Posts
    • 165,651 Thanks
    beanielou
    Just got my combined buildings & contents insurance renewal in.
    Have shopped rond and saved well over £100 & reduced my interest free payments from around £30 quid pm to under £20 with additional cover.
    Go me
    Old insurer could not have cared less~~& I have saved broker fee!!
    No cashback but very happy
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • joyciebabe
    • By joyciebabe 12th Nov 15, 10:42 AM
    • 1 Posts
    • 0 Thanks
    joyciebabe
    Home Insurance
    When your renewal comes up I recommend buying your buildings and contents policies as separate items. It takes a bit more time searching all comparison sites but I have done this two years running saving £85 last year.

    This year's renewal quote was £279.00 with a new combined policy only £20 or so quid cheaper. Bought separately I got the lot for £91 without any loss of difference in cover.

    My friend did the same recently and saved over £200

    • allydowd
    • By allydowd 12th Mar 16, 1:05 PM
    • 3,805 Posts
    • 23,730 Thanks
    allydowd
    In December I bought home insurance from the AA through CompareTheMeerkat for £58. (My initial quote was £120.) The £58 policy was meant to give me £12 Quidco Cashback. However, after extensive attempts it was declined. Then I got an email from Littlewoods Catalogue saying I was entitled to a £20 online discount code as I was an AA customer. Again, after much time-wasting the code failed. So I in January I emailed Littlewoods to complain and to ask for a code that would work. I heard nothing until last week when I got an apology. Today I received a £30 cheque from them. This means I paid £28 for our insurance.

    MSE Badger can I have my Home Insurance Hacker badge please?
    Debt-free day: 8th May 2015
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    "Remember that sometimes not getting what you want is a wonderful stroke of luck," Dalai Llama
    • David French
    • By David French 11th Apr 16, 2:54 PM
    • 1 Posts
    • 0 Thanks
    David French
    Hi I had my home insurance form through from Churchill, I used your site to do a comparison & online Churchill offered a better package for £210 pa less. I called but they were unable to assist, so I called the online sign up free phone they not only beat the main renewal quote but also the online so I have a total saving of £259.51. Many thanks for your assistance. Regards David
    • ashton53
    • By ashton53 5th Oct 16, 3:56 PM
    • 508 Posts
    • 22,313 Thanks
    ashton53
    I had my Home Insurance renewal from Churchill back in September. The cheeky so-and-sos had raised it to £264 even though we've never made a claim in all the years with had Home Insurance.

    I used MSE to do a comparison and we ended up going with AA for combined Buildings and Contents Insurance (plus a few insurance extras as I often carry an expensive DSLR with me when we are out on our walks, etc). The cost of the AA cover - £103! Plus I earned a £38.38 cashback saving thanks to going via TopCashback.co.uk and a 50% off our next AA roadside breakdown renewal!

    So technically it's only cost me £65 (with the roadside breakdown saving still to come). What a lovely saving - thank you MSE!
    • paddyandstumpy
    • By paddyandstumpy 5th Oct 16, 4:02 PM
    • 707 Posts
    • 274 Thanks
    paddyandstumpy
    I used MSE to do a comparison and we ended up going with AA for combined Buildings and Contents Insurance
    Originally posted by ashton53
    Just be careful if you claim under this policy. It's one of few in the market where you pay a excess per section, not per claim.

    For example, if you have a £100 voluntary excess, they have a £250 escape of water (EoW) excess, you'll pay £350 excess under buildings, and £350 under contents if you're claiming for both sections for EoW.

    Most policies nowadays will only charge an excess per claim.
    • patinsuffolk
    • By patinsuffolk 11th Oct 16, 12:02 PM
    • 1 Posts
    • 1 Thanks
    patinsuffolk
    One up on Tesco
    Renewal quote from Tesco; £127. Confused.com Tesco, 117. LV on Comparethemarket.com; £109. Rang tesco; they dropped their quote because of slightly changed circumstances to £122 and gave me a £30 voucher for Tesco, where I do much of my shopping anyway. The whole process took about an hour: £15 an hour...double national minimum wage, so worth it for a pensioner. As I have been through your process twice before for home insurance, there wasnt the usual gnashing of teeth that usually accompanies form filling either.
    I only went to the first three comparison sites, as I still have a life to get on with...just.
    Thanks Mr Lewis.
    • sly fox
    • By sly fox 25th Oct 16, 6:59 PM
    • 1 Posts
    • 0 Thanks
    sly fox
    Hmm - i've tried your full comparison link for Buildings insurance, got quotes around £150-220 for the first 10 results.
    So, i then tried the direct options (Aviva and Direct line). No wonder they are giving away vouchers - the quotes came back for £372 - Direct line and £290 for Aviva.

    Not sure you should be promoting them to be honest? Quote was for 4 bed house, buildings only, 2 adults and 2 children. Nothing that out of the ordinary.
    • loveasale
    • By loveasale 24th Jan 17, 9:40 PM
    • 269 Posts
    • 1,806 Thanks
    loveasale
    Just had my renewal in for B&C insurance ,, did the old comparison and cash back sites but they are really no better,,, normally I save every year on all my insurances , does this mean I've hit my all time low, ?
    I am tempted just to stay with my current company ( British Gas home insurance from AXA )
    Any thoughts ?
    I will never be rich but I'm happy
    • Saving4Jesus
    • By Saving4Jesus 25th Jan 17, 9:39 PM
    • 13 Posts
    • 11 Thanks
    Saving4Jesus
    This happened to me once too. No reason not to renew if you cannot find anything cheaper. If you're feeling really cheeky see how much cashback they offer to new customers and see if they will take that off your renewal price.
    • loveasale
    • By loveasale 26th Jan 17, 8:17 AM
    • 269 Posts
    • 1,806 Thanks
    loveasale
    Yes I'm going to try the haggle tomorrow !
    Got my pet insurance £35 cheaper , plus £30 cash back and £20 co op vouchers so pleased about that!
    I will never be rich but I'm happy
    • SamDude
    • By SamDude 26th Jan 17, 2:33 PM
    • 209 Posts
    • 72 Thanks
    SamDude
    My home Insurance renewal from Admiral was £130 and all the comparison quotes were higher than this (£140+).

    Saw the offer from the Post Office where they beat your renewal by £50, so I completed a quote and it came to £270. I contacted the Post Office insurance team and had it confirmed my renewal and new PO quote were identical (they have to be like-for-like) before I committed to purchasing.

    It's been a few days, and today I had a letter confirming the policies match and I would get a payment for the difference +£50.

    My home insurance cover for the year will be £80!
    • Quentin
    • By Quentin 26th Jan 17, 2:39 PM
    • 32,147 Posts
    • 16,229 Thanks
    Quentin
    Hope you don't need to claim!


    Post Office insurance isn't from the Post Office!


    Its a trading name for BISL.


    See their reviews across the net


    eg: http://www.reviewcentre.com/reviews88635.html


    (Always bottom or near bottom in Which? reports on insurers)
    • paddyandstumpy
    • By paddyandstumpy 26th Jan 17, 3:59 PM
    • 707 Posts
    • 274 Thanks
    paddyandstumpy
    Hope you don't need to claim!


    Post Office insurance isn't from the Post Office!


    Its a trading name for BISL.


    See their reviews across the net


    eg: http://www.reviewcentre.com/reviews88635.html


    (Always bottom or near bottom in Which? reports on insurers)
    Originally posted by Quentin
    Although, to be fair to POFS, they are quite protective of their brand, and are quite involved with both BISL and the Underwriter where the customer complains. I know a customer shouldn't need to complain to get a good service, but at least they remedy the issue more often than not where a complaint is made (from professional experience dealing with them).
    • csgohan4
    • By csgohan4 26th Jan 17, 4:02 PM
    • 3,567 Posts
    • 2,239 Thanks
    csgohan4
    Offer from MSE for Together mutual £130 with 80 pounds of M&S vouchers taking it to £30, Lowest I have ever had. Certainly beats the £360 I got quoted from Hiscox, albeit a premium insurer.
    "It is prudent when shopping for something important, not to limit yourself to Pound land"
    • familyguy321
    • By familyguy321 27th Jan 17, 5:10 PM
    • 45 Posts
    • 9 Thanks
    familyguy321
    Hi all,

    Bit of advice needed please.

    Home Insurance is due for renewal on Sunday. Had a call from my current insurers (Policy Expert) yesterday evening and they have quoted £104 (including Legal Expenses) which is around the same price I paid last year (£99). This includes the Legal Expenses and Home Emergency cover that I had last year.

    I am always hesitate to renew with the same providers but the cheapest on comparison sites is British Gas at £77, excluding Legal Expenses or Home Emergency.

    Can anyone recommend an insurer I can go to directly (through cashback site of course) that could offer a cheaper deal (once cashback taken into account).

    Regards,
    FG
    • chib
    • By chib 28th Jan 17, 11:55 AM
    • 454 Posts
    • 1,291 Thanks
    chib
    As legal cover isn't included, the £77 from British Gas isn't a fair comparison to the renewal.

    Have you had any quotes on the comparison site that are lower than £104 that include legal expenses and home emergency cover?

    Insurance quotes have a number of variables, therefore isn't possible to say any particular insurer may be cheaper than already quotes.
    • familyguy321
    • By familyguy321 30th Jan 17, 9:24 AM
    • 45 Posts
    • 9 Thanks
    familyguy321
    As legal cover isn't included, the £77 from British Gas isn't a fair comparison to the renewal.

    Have you had any quotes on the comparison site that are lower than £104 that include legal expenses and home emergency cover?

    Insurance quotes have a number of variables, therefore isn't possible to say any particular insurer may be cheaper than already quotes.
    Originally posted by chib
    Thanks, you're right it wasn't a fair comparison.

    I ran some more quotes over the weekend and Policy Expert still came out on top even when I took into account cashback from other providers.

    In the end I went for Policy Expert - I also managed to get it down to £94 after a bit of polite asking on the phone.

    FG
    • chib
    • By chib 30th Jan 17, 1:14 PM
    • 454 Posts
    • 1,291 Thanks
    chib
    An excellent result, good job!

    Mines is due at the end of February so I'm hoping to get mines down a fair bit from £150.
    • chib
    • By chib 4th Feb 17, 7:44 PM
    • 454 Posts
    • 1,291 Thanks
    chib
    Renewal savings!
    Okay so it was my turn to renew my home insurance! Here is how it went;

    Last year after shopping around I paid £147.07 with Admiral for B&C.
    My renewal from Admiral was £162.27, an increase of £15.20 or 9.4%.

    I ran quotes through the usual comparison sites and immediately got 5 quotes less than my renewal, I was able to get a price from Admiral of £137.56 meaning if I wanted to stay with them for ease I'd save £9.51 over last year... but I don't mind switching for a saving.

    Following some advice here I got separate quotes for B&C but this didn't work out well in my favour, the best quote for buildings was £96.91 with LV and £49.25 with Tesco bank - a combined total of £146.16.

    I then looked at other quotes and have settled on one by Policy Expert at £121.98 for the year B&C with the same level coverage from the previous year. All in all, a saving of £25.09 from my premium last year and a saving of £40.29 if I took no action and auto-renewed with Admiral.
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