Home Insurance-Anyone dealt with these companys?

Tommasi

Hi everybody,

Buying my first house and seeing I work abroad Ive only found a handful of company willing to cover me for building and contents insurance due to the house being left unoccupied for around 3 months at a time.

So far Ive been quoted
Ascott £287
RK Shipman £301
Fresh £309
Home Protect £320

Cheers!

huckster

Tommasi wrote: »

Hi everybody,

Buying my first house and seeing I work abroad Ive only found a handful of company willing to cover me for building and contents insurance due to the house being left unoccupied for around 3 months at a time.

So far Ive been quoted
Ascott £287 ( Ascott are brokers. Who are the Insurers ?)
RK Shipman £301 ( Brokers. Same question)
Fresh £309 ( Have seen negative posts about this company)
Home Protect £320 ( Brokers. Same question. Have heard of positive reviews of service)

Cheers!

Answers in blue above. The important thing is who are the Insurance underwriters of the policies being offered by these companies. Bit difficult to comment about these companies.

Tommasi

huckster wrote: »

Answers in blue above. The important thing is who are the Insurance underwriters of the policies being offered by these companies. Bit difficult to comment about these companies.

Hi Huckster,
Just checked-home protect state this "Our buildings and contents insurance policies are underwritten by Certain Underwriters at Lloyd’s, London, and other insurers."
Shipman and Ascott "Zurich Insurance plc Home Solutions"

cheers

huckster

Zurich don't appear to have the best reputation for handling of claims. Have seen some horror stories where Zurich have argued all the way to the FOS and even when a FOS adjudicator has sided with the policyholder, they have appealed to the actual ombudsman.

If Home Protect deal with claims using delegated authority, that might be the better option. Perhaps ask them about how they operate and what their claims service satisfaction levels are like, if they conduct any customer reviews.

Have you tried Towergate to see if they have any different options to consider.

Tommasi

Think it may have to be Home Protect then.

Tried to get a quote from Towergate but the online form is acting up and wont accept my details.

Thanks for the help btw!

CharlotteClark

Tommasi wrote: »

Think it may have to be Home Protect then.

Tried to get a quote from Towergate but the online form is acting up and wont accept my details.

Thanks for the help btw!

Hello Tommasi, I work with the Towergate tech team, we're very sorry about the form

I don't suppose you'd mind describing the problem?

I'll check back here, but feel free to email me:

[EMAIL="charlotte.clark@towergate.co.uk"]charlotte.clark@towergate.co.uk[/EMAIL]

Thank you,

Charlotte

Tommasi

CharlotteClark wrote: »

Hello Tommasi, I work with the Towergate tech team, we're very sorry about the form

I don't suppose you'd mind describing the problem?

I'll check back here, but feel free to email me:

[EMAIL="charlotte.clark@towergate.co.uk"]charlotte.clark@towergate.co.uk[/EMAIL]

Thank you,

Charlotte

Hi Charlotte,

When I answer the question-"What is the nature of your own or your Employers Business?" It wont let me progress to the next page and i get the error "Validation Error: value is required." even though I have filled it in.

BTW what product would be best for me? I work abroad for 3 month and then Im home for 3 months, so the house will be onoccupied for around 90 days at a time, I will have family member checking on the property every couple days though.

Thanks for the help,

Tom

Mr_Man_Full_of_Love

Just make sure before committing that there's zero chance of coming into contact with Asprea via any of the companies involved.

DCFC79

CharlotteClark wrote: »

Hello Tommasi, I work with the Towergate tech team, we're very sorry about the form

I don't suppose you'd mind describing the problem?

I'll check back here, but feel free to email me:

[EMAIL="charlotte.clark@towergate.co.uk"]charlotte.clark@towergate.co.uk[/EMAIL]

Thank you,

Charlotte

do you have permission to post as a rep of towergate

OP could you not rent the huse out when your away to widen more options

Tommasi

DCFC79 wrote: »

do you have permission to post as a rep of towergate

OP could you not rent the huse out when your away to widen more options

Dont really like the idea of a stranger living in my house when Im not there tbh. I was planning on renting out one of the bedrooms to a friend but he cant afford it until next year unfortunately

2gorgeousgirls

Try the Co-Op for insurance as well.

I just renewed my home insurance with them. Did the comparison sites using the figures quoted in my renewal notice and then tried the Co-Op's own site. They have an offer of a discount for taking contents and buildings together and buying online.

They undercut the others by at least £70. Don't know how leaving the house vacant for a time would affect the premium but they would be worth trying.