Moneysupermarket Home Insurance

alared

Have just got a quote for Home insurance from them and the AA came out best.
When I looked at the details,one of the "assumptions" MS makes is that I`m NOT a member of the AA/RAC.

I do have breakdown recovery with the AA so I guess that makes me a member, BUT does that mean I can`t take out the Home insurance policy.
I find this a bit strange to say the least.:rolleyes:

Quentin

It does seem strange - though if you cannot agree to the assumptions then you shouldn't do so!

dogbot

does that mean I can`t take out the Home insurance policy.

No

Once you click on the moneysupermarket link to buy the policy, you will be taken to the aa's website. There you should be able to check all the details again and have the opportunity to tell them that you are a member.

It was my understanding of the AA and RAC asking if you are a member is that this should trigger a discount, but it might not because you are obtaining the quote from MS who of course charge the AA comission.

If the AA comes up the cheapest for you on MS, try getting a quote direct on their website or over the phone.

(From the MS website try this: click to buy, go to the AA's website and find a number on the page showing the quote. You should also find a quote reference on that page that they should be able to use to find and amend the quote.)

Being a member of the AA is NOT regarded by any insurer I know as a material for home insurance, therefore in this particular circumstance with this assumption you should be fine if you buy the policy but do agree to the assumption. It does seem odd that they include that assumption though, so it might be worth a quick call to the AA to check. I honestly can not see FOS not siding with the customer in such a dispute though.

I agree with quentin in principle, you should always be extreamly carefull with these sets of assumptions so well done for checking at all! I just think this might be the exception that proves the rule!

Quentin

Maybe its a money supermarket trick to ensure they get their commission in full.

Maybe aa/rac members do get a discounted quote if they go direct to the insurer's own website, but if they link through via moneysupermarket there is some contractual arrangement between moneysupermarket and the aa/rac to pay them the commission and deny the customer any member's discount as they agreed they weren't a member at the time of the quote?

dogbot

Who knows. The aggregators (i.e. price comparison websites like MS) get paid a fixed fee per policy and not a percentage, so I can't see that they would be interested in getting the premium higher. Besides, their whole message, and competitive position between each other is who can save customers more money?

I would think that it is actualy the AA/RAC who would want to block the discount. My thinking would be that the discount would apply because of the lower cost to aquire that customer than had they not been a member, and going via an intermediary just builds an aquisition cost back in?

Anyway, if they are the cheapest without the member disount, it should be even cheaper with it!

alared

About Your Insurance:

• You do not want legal cover.
• You do not want cover to protect your no claims bonus.
• You do not want cover for any extras. (i.e. cycles, freezer, money, credit card cover).
• You have never had insurance refused, declined, declared null and void.
• You have not had special conditions imposed or have ever been declared bankrupt.
• You have never had any convictions, pending prosecutions, or have been convicted of any offences (excluding motoring).
• You are not a member of any of the quoting insurance providers e.g AA & RAC

The above is from MS "assumptions"

I did go to the AA site after clearing my cookies and started to apply for home insurance.
Filled it all in and got to the final question,which was your current insurer,that you had to select from a drop-down menu,and needless to say mine wasn`t there!
End of application.