Tesco home insurance & property type

midgemolly

Hi,

I'm new to this posting lark, so hope it works okay! I got my weekly Money Saving email and noticed that the Tesco home & contents insurance deal was mentioned, so thought I'd let you know about something to look out for when considering their deal.

I received an astronomical insurance renewal from the Halifax and was able to half it with Tesco so signed up online for their home and contents insurance. However, when the paperwork arrived and I went through it, I noticed that they had automatically assumed my home was constructed of brick or concrete block, although no question was asked on the online form about construction type. As my house is timber framed with timber cladding, I thought I'd better phone them to change the information. When I did, I was told that they don't insure houses of this type, so my cover was null and void - at this stage, I'd been 'insured' with them for approximately 10 days, thank goodness nothing happened. I dread to think what might have happened if I'd filed the paperwork without reading through it!

I just wanted to post this to let people know that if they're living in a non-standard construction house, Tesco's oh-so-cheap deal isn't available to them, unfortunately.

I've since got cover with Barclays at a reasonable price, and they were happy to insure the house type.

Just also wanted to say how useful I've found this website and the message boards - I'm struggling with around £10k of debt due to taking the leap into self-employment about a year ago, and have found the info here useful in my effort to get rid of it all!

swilly_2

:money: :beer:

My first posting :eek:
THANKS MARTIN FOR THIS TIP.

It has saved me £15 amonth, which is an amazing £180 a year!!!!

:money: :T

rdwarr

When agreeing to a Tesco quote (I just have) it takes you through two pages of terms and conditions which you have to click to confim conformance.

These include

Is built of brick, stone, or concrete and roofed with slate, tile, concrete, metal or asphalt.

Astaroth

Like many insurance companies, they are trying to cut down on the number of questions they ask you on the form to make it easier for the majority to complete them but it does mean that they make some assumptions which you must either phone them to correct or have to go into another section to correct.

As with everything, you need to read the terms and conditions/ important notices etc and not just click the button to say you have

midgemolly

So the moral of the story is...always read the small print (which I failed to do!). Hope this thread has stopped others making the same mistake!

toshkininny

I phoned up for a quick quote, after getting the online quotation, because I needed to add my engagement ring. The quote went up by £200! (It's not worth that much!)