Home Insurance Discussion

luv_my_brass

tajmahal2222 wrote: »

I've just switched Home Insurance once again. My policy starts tomorrow. Buildings & contents this year cost me £117 with Lloyds TSB.

Oh...one other thing. Did it through quidco. I now have £120 tracked from doing this.

My insurance cost £0 this year, there paying me this time!
"If toast always lands butter-side down, and cats always land on their feet,
what happens if you strap toast on the back of a cat and drop it?"

WOW! I'm impressed :T That beats my quote for a 3 bed terrace.
But you don't get a meercat toy!

twickmag

tajmahal2222 wrote: »

I've just switched Home Insurance once again. My policy starts tomorrow. Buildings & contents this year cost me £117 with Lloyds TSB.

Oh...one other thing. Did it through quidco. I now have £120 tracked from doing this.

My insurance cost £0 this year, there paying me this time!
"If toast always lands butter-side down, and cats always land on their feet,
what happens if you strap toast on the back of a cat and drop it?"

Interesting. I'm looking to renew home & contents, & have been checking Quidco for the last week, but haven't seen this offer?

Red_Ant

The problem with Lloyds is that they subcontract your insurance to third parties you may not have heard of - nor have an idea of their reputation in the market.

If you then have an issue with any of these companies Lloyds will not want to know - they will tell you your contract is with the third party. I had such an issue, and however I tried I could not get Lloyds to become involved on my behalf.

In my opinion Lloyds are damaging their reputation with this policy.

[Deleted User]

I currently pay £57 for both contents and buildings insurance.

Recently I have had to call up halifax insurance to find out if they would cover for blocked drains, and they said no only if they were damaged. I also asked them if they cover for external water ingress as I have a leak which is coming through my walls from the conservatory and galvanising it. They said they only cover for burst pipes and if my problem has been over a period of time them they would not cover?!

I know that a building insurance wouldn't cover for the deterioration or problem with the conservatory and I would pay out on completion of works to correct the problem.but usually I should be covered for all types of water ingress/damage and the plaster/paint is damaged.

Is this correct? I am starting to think that Halifax perhaps is not the best insurance company.

Has anyone got any advice? This is my first house and never had to deal with anything like this before?

Thanks for reading. Any advice is appreciated!

nshek

VictorM_2

Some companies cover for blockages and some don't - it is gnenerally not worth claiming for a blockage as it will not cost you much to fix.

It is your responsibility to keep your house in a good state of repair to stop water from leaking in, most insurance companies will not cover you for water ingress due to maintenance problems and those that do generally require you have accidental damage cover.

The thinking is that you cannot neglect maintenance of your house and then expect your insurance company to pay for it when water inevitably leaks in.

CHornsey

Hi Everyone,

I am new to this site but wondered if anyone could give me some advice. My home insurance renewal is due and the cheapest quote I can get is £277.24 with AXA. Quidco are offering £32.98 cash back but this still seems expensive compared to what other people on here are paying.

I know postcode and house specification affects it but do you think this is reasonable or can I reduce it somehow?
Details:
Postcode: CV4,
Semi-detatched standard house
3 beds plus loft conversion with central heating so I put 4 beds - is this right?

Any help/advise would be appreciated.4

Many thanks

luv_my_brass

CHornsey wrote: »

Hi Everyone,

I am new to this site but wondered if anyone could give me some advice. My home insurance renewal is due and the cheapest quote I can get is £277.24 with AXA. Quidco are offering £32.98 cash back but this still seems expensive compared to what other people on here are paying.

I know postcode and house specification affects it but do you think this is reasonable or can I reduce it somehow?
Details:
Postcode: CV4,
Semi-detatched standard house
3 beds plus loft conversion with central heating so I put 4 beds - is this right?

Any help/advise would be appreciated.4

Many thanks

I have been searching for a few weeks now and finally found a reasonable quote via comparethemarket.com, with Kwikfit. They are giving me back £20 and a meercat toy.

elliedee33

I live in 4 in a block 1st floor flat. Our roof got badly damaged in the recent storms. My 2 next door neighbours are local authority tenants and the council is going to repair their half of the roof which is fine however, my downstairs neighbour and I own our house and are therefore liable for the cost of repairs (£900 estimate) to our half of the roof. My downstairs neighbour wanted me to claim my insurance and then she said that my insurance company will pay the bill less my excess (£150) and then my insurance company will bill her insurance company for half of the costs however when i spoke to my insurance company they did not ask for her details. Is this the way it happens or should she claim her insurance by herself? Any advice gratefully received.

bulktrans

any advice on taking accidental damage alog with the main home insurance? is it worth having and paying the extra amount? thnx

VictorM_2

elliedee33 wrote: »

I live in 4 in a block 1st floor flat. Our roof got badly damaged in the recent storms. My 2 next door neighbours are local authority tenants and the council is going to repair their half of the roof which is fine however, my downstairs neighbour and I own our house and are therefore liable for the cost of repairs (£900 estimate) to our half of the roof. My downstairs neighbour wanted me to claim my insurance and then she said that my insurance company will pay the bill less my excess (£150) and then my insurance company will bill her insurance company for half of the costs however when i spoke to my insurance company they did not ask for her details. Is this the way it happens or should she claim her insurance by herself? Any advice gratefully received.

Normally the insurer would pay their policyholders half and then your neighbours would pay her half and you would give the contractor the money - I doubt they will pay then recover the cost.

I would proceed with extreme caution with your neighbours plan, you will be surprised how long it will take for you to get it back (if ever).