Home Insurance Discussion

oliviaskye

Today, most of companies are available for insurance policies. but you ensure that you have to choose right or correct companies, and before taking the insurance policies, please read all the terms or conditions of that insurance policy. if you have any query regarding this you can consult with loss adjuster or loss assessor.

kkanty

Insurance make your life secure or anything else for further. There are many types of insurance in India.India started giving insurance for everything. One of the new thing about that there is health insurance in India. In case if your health gets any damage and you will be not able to make treatment of yourself , then with this insurance policy you can get help.

Venusflytrap

Need sound advice guys:

My husband and I have always rented and still do. We live in a one bed flat (in a block) and have, over time, amassed some expensive gear: guitars, amps, a couple of Macs, microphones etc. Can we actually get/find affordable contents insurance?

I currently pay £6.50 per month for a Barclays Account Plus which offers mob. phone insurance, gadget insurance and extended warranty insurance. However this has it's limitations in the age and cost of items covered. At present only my (cheap) mob. and our macbook pro is covered.

Any useful (and informed) pointers welcome.

mmmmcupcake

leavold wrote: »

Beware when switching buildings insurance!

After seeing their promotion on this board I switched my buildings insurance to the Post Office in October 2006.
In November 2006 my local council identified a problem with a broken waste pipe I share communally with my neighbours. They repaired it in January 2007 and I have just received a bil for over £1000.
I contacted the Post Office to discuss my claim and they passed me on to some random firm of underwriters called MMA in Cardiff.
MMA have told me that as the waste pipe may have been broken before I switched my insurance to the Post Office I may have to contact my previous insurer to claim (as if they are really going to be interested).
I now have to submit all the paperwork I have from my council before they will make a decision.
Does anyone know if this is legal?
I'll certainly be raising this with the Post Office Executive and the Financial Ombudsman should the Post Office turn down my claim.

If the problem was identified prior, by the council, to you getting the new policy, then the new policy will not cover this. The dates are the important part of this. Get the council to confirm when the pipe was reported as broken. If this is before you swapped the the old policy would have been in place, if its after then the new one applies.

If the council do not know of an exact date of the fault get them to confirm when the fault was reported.

The Financial ombudsman only deals with mis-selling a policy and not its content, so they will not be any help unless you mentioned at the point of sale of the problem with the pipe and the new insurer said it would be covered.

If all else fails you need to complain to the insurance company first and then if you have no joy take it to the OFT

mmmmcupcake

archieboy wrote: »

Looking for some advice on whether I should make a claim on my contents/building insurance and lose my max. no claims discount on further years premiums or just foot the bill myself. This is for a patio door window which got hit with a small stone when mowing the grass yesterday. The outer glass of the double glazing has completely shattered although still in place at the moment. I have no idea on how much it would cost to replace or how much I would lose on my no claims. I also would have to pay £50 Excess if I make a claim. Any help appreciated.

I would get a quote from window companies without saying its covered under insurance. You are legally obliged to contact the insurance company even if you dont make a claim, but I warn you, even if they dont pay or you dont end up claiming they will use this information to up the price of the policy next year..... So I would hold off contacting the insurace until you have decided. Read your policy document as well... just to be sure you are covered and there are no get outs....

Good luck

billstickers

renewal notice from Churchill £250
on line from Churchill quote £200
Compare the Market quotes, loads of them from £180 to well over £300
Halifax quote by phone direct £200 plus £50 cashback net price £150
Nat West leaflet offer "we will beat by £25.00" they will not consider the cashbackfrom Halifax sotheir best price is £200 less £25 nett £175

Guess I will go with the Halifax THIS YEAR

billstickers

That's what happerned to me with car insurance years ago. A builder spilt some concrete on my car and this was on private ground and paid in full for the repairs to the bodywork. My insurance company found out and raised my premium at renewal. I have no sympathy for insurance companies, they just want to take your money and everything else they say and do is traddle

owly1

Hi
Does anyone know where you can see the size or market share of home insurers or better total policiy numbers?

Reason: they all have bad reviews on net from unhappy clients - happy people tend not to review !-therefore I want to see if "x" number of bad reviews is significant compared to the silent majority

Best from Owly

ashcarrot

Okay i think i've gone crazy with small print and looking at this for a week. Its time to renew the home insurance (Accidental damage buildings and just contents) and I have two lodgers (friends.. I like the company) Im trying to find a good insurance that will pay out if they accidently burn down the place did comparethemarket but the small print varies and most of the quotes i searched reviews on (AXA, Budget, Santander didnt have good reviews) any one know of a good (cheapish - rather have a more expensive one that will payout fine/quick than a cheap worthless bit of paper) one?

GustyGardenGalaxy

My mother is in her 80s.

She recently purchased and moved into a small bungalow, and her old house is now on the market.

The house is vacant, unfurnished.

The house is also about 30 feet from a stream that rarely floods (has flooded only twice in the past 50 years, and then only enough to require new carpets in the house).

Because the house is vacant and due to the slight flood risk, my mother's insurance broker cannot find an insurer who will cover the structure of the property AND the slight flood risk (she can of course get cover minus the flood risk, but even that is damn expensive due to the house being empty).

After the last flood (about 12 years ago) my late father had some special drainage pipes put in which SHOULD stop the house being flooded again, but of course this has never been tested.

Can anyone advise please?

Would it be worth approaching someone like Saga?

Thanks