All insurance with one provider?

pineapple

At the moment I have buildings, contents and car insurance with 3 different companies. Going to look at combining buildings and contents next time around but has anyone got all three with the same company? And is it a good idea anyway?
Also when changing to a combined cover, how do you get round the fact that you may have different renewal dates for each?
Cheers

System

pineapple wrote: »

At the moment I have buildings, contents and car insurance with 3 different companies. Going to look at combining buildings and contents next time around but has anyone got all three with the same company? And is it a good idea anyway?
Also when changing to a combined cover, how do you get round the fact that you may have different renewal dates for each?
Cheers

I have all three with one company, many companies offer discounts when you take out multiple policies with them - but ask for a discount.

To get around the different renewal dates ... Get quotes for buildings and contents, then get a quote for buildings only, if the quotes are okay, take out a policy for buildings only, then when the contents policy is due for renewal, add the contents cover to the buildings policy (i.e. change to buildings and contents at that time).

Alternatively, you could check what charges would apply if you wanted to cancel the contents policy early, if reasonable, then take out a B&C policy immediately.

Note, companies like MoreThan do free contents cover with their buildings cover (if you only need standard levels of contents cover)

pineapple

Thanks that was so helpful BAA1 :T

InsideInsurance

Most insurers do a simple multi-product discount, if any, so you take out individual policies and simply receive a discount on each additional one you buy.

A couple have tried to design a product, generally aimed at mid net worth or low end high net worth and this is a single policy that will cover everything from home to pet to motor and you add the extra sections on as your old policies expire.

From the insider point of view, the benefit to the insurer of the second is the fact that by harmonising your renewal dates (remembering its for mid net worth people) for your 3 cars, 2 homes, 3 horses, 2 dogs, travel etc is that it becomes too painful to have to shop round to price up everything all at the same time.

Quentin

If you remain with 3 separate policies you can get 3 (topcashback type) cashbacks each year.