Home Insurance Discussion

organic_wanabe

I wonder if anyone is able to advise me. I currently have an RBS Elite Home Insurance Policy covering Buildings & Contents. I have had this for a number of years and the price rises each year but the cover seems good. However, I have no idea how good they are at dealing with claims as I have never, so far, had to claim against the policy. As my renewal price on 01.07.12 is about to rise again (now in excess of £420) I thought I would shop around and I have a quote from Tesco Finest for £316 which seems to give the same level of cover. However, a quick search seemed to indicate that Tesco claims were not dealt with in a fair and straightforward manner but the same search revealed that RBS were no better on the claims front. [I note that both are well rated by Which.]

Has anyone had any positive claim dealings with either company? Or can anyone recommend an honest-to-deal-with-company?

One search that I did gave The Policy Expert a good rating but the hundreds of positive reviews only mentioned price and level of service when taking out the policy and no mention was made of satisfactory claim settling!

inoutnotsure

himalayas wrote: »

I have recently purchased a home in UK and now I am planning to insure it, but there are lots of companies in market who insure the home and I am little confuse that which company is best because lots of competencies are fraud. Can anyone in this forum suggest me that which company is best and can share your views with me.

Try the comparision websites, there are 3 well know ones that come to my mind. Check them out on this website if you haven't already: www .moneysavingexpert.com/insurance/home-insurance

inoutnotsure

juttermanning wrote: »

I rent a property from a private landlord.
I have contents insurance with Direct Line but not buildings.
We had a kitchen fire @5.00am on Monday 28th May.
We all got out ok but the kitchen was gutted. the fridge freezer was the culprit.
:mad::(

Check out the actual cover in your insurance but your Contents Insurer generally includes for alternative accomodation for a similar house you have been renting i.e. a 4 bed house for a 4 bed house. Your insurance cover if for a peril, so if a fire caused this, your insurer generally covers the loss (often for 12 months). In the first instance, I would suggest you speak to you your insurer and ask for their complaint's procedure. Follow that and then if you are not satisfied, tell them you will be contacting the Financial Ombudsman Services.

eldudereno

Just bought my home insurance through Sainsburys. Excellent cover with £70 cashback and very low excesses took my premium down to double figures.

Had previously tried Saga, the AA, Swift, TSB, Quotemehappy, Halifax and Privilege.

Pulpdiction

Does anyone know of a good insurer for high value items, I have several expensive wristwatches and each one, because it has to be insured for wear outside of the house and it is above the single article limit, adds about £10 per month to my premium, I have tried several big insurers, plus the likes of M&S, etc and there is very little difference between them all.

Thanks in advance.

Betty123

I'm in the process of being paid out on a claim for a various items that were stolen on a new for old basis. My insurance company have referred me to a loss adjuster company who will only authorise me to go to a certain Jewellery store which is more expensive so I will not the same quality of ring and braclet for my money. Could anyone please let me know if they are able to do this. The insurance company said that I could take a cash settlement and go to another jewellery store, but they would reduce my paid out be £1,400. Please could someone tell me if they are allowed to do this. Thank you

inoutnotsure

Your contents insurance generally includes replacement on a like-for-like replacement. Some items are subjected to a 'wear and tear' clause and deductions made such as clothes but not normally jewlery. There are usualy 2 options, replacement or cash settlement. You need to prove that the stolen items actually cost the amount you say. The best evidence is a receipt. Loss adjusters have their own companies that they go to as they act as a check to ensure the items reflect the market value.

Cash settlement are also slightly lower because it's not a like-for-like and in the absence of evidence, how does anyone know the actual cost of the lost item?

PathaniGal

I read this article and found it really useful. The language is simple and yet made me understand all about my policy. so I thought it might be useful here .insurancesmart1.blogspot.co.uk

Kristin

I am glad I found this article yesterday. followed the advice and managed to reduce my renewel by over £50 today.

russian

Building & contents; i thought my garage contents were insured but now discover they are only insured up to £1000. Having looked on confused.com etc I find even more expensive insurance goes up to only £5000. Companies are not very helpful about telling us what we are or aren't actually insured for.
Does anyone know how to get good garage contents insurance?