Home Insurance Discussion

fiddle29

My Insurance claim has more or less gone well but the final stages are holding things up. My kitchen was replaces after water damage and also my fitted wardrobes. However, I am in constant dispute with the builders who are doing the work. (They are the builders supplied by my Insurers). I was supposed to be moving back today but my wooden floors where not protected throughout so there deep scratches, paint and plaster over them. Also, in the kitchn the work surfaces are scratched, uneven, a drawer can open properly because it hits against the cooker and a cupboard won't open wide because it hits against the extractor. Doors have chunks out of them and so does panelling.

I met with the builders boss today and was told 'you are just being picky!' After a heated discuss it has been left the have another day to sort problems out.

I have been talking to my Insurance company to sort this out all out but I know there will be still issues and am at a lose as to how to argue my case back especially to builders who are sloppy. I have tried to be understanding on some matters but I getting upset not.

Any guidelines would be great especially dealing with builders.

dacouch

Your Insurers are ultimately responsibleh for any problems with the builders they supllied

Spikey1

No Insurer wants dissatisfied customers.


Speak to your Insurers again and tell them that you don't want them to pay the contractors invoices until the issues are sorted out. Also, that you wish to raise a complaint as you are not confident that the contractors are able to complete the snagging works in a timely and efficient manner.

Bantamspaul

Just managed to save £130 on my Home Insurance.

Legal and General quoted £213 for renewal. Using esure brought almost identical cover down to £153 (saving £60) and, as I went through Topcashback, I expect to receive a further £70 off this price giving £130 saving in total.

BethanyD

Just had an interesting discussion with Prudential who upped my premium by 30% despite 7 year no claims

When I looked at the quote I noticed that the Home value had been increased by them to £1m (I wish)

When I phoned them they said this was their new policy i.e. minimum home value of £1m required!!!:mad:

Anyone else with similar issue?

mannie wrote: »

I've just had my renewal from the Pru for contents and buildings insurance £434.70.

A while back Martin posted about Tesco offering half price insurance. I got a quote from them for £287.70. I rang the Pru to tell them I had a better offer and would not be renewing with them. I Can't believe they reduced their price down to £284.55!!

What a result!!

Tracy

lauz

Hi All,

I'm about to purchase a new build house and need to sort out buildings and contents insurance. The broker who has arranged my mortgage has suggested a policy which costs £350 per year. I have searched for quotes online and they are coming in much cheaper for what seems to me to be the same cover (insured sums, individual items, accidental damage, outside of the home etc). Having mentioned this to our broker all he could say was that you get what you pay for with insurance. Obviously I want to be completely covered and would rather pay more for this that be undercovered but £150 more seems excessive.

Is it possible that my broker has access to a policy which offers that much more than the standard ones?

Any thoughts would be appreciated.

Thanks

dacouch

lauz wrote: »

Hi All,

I'm about to purchase a new build house and need to sort out buildings and contents insurance. The broker who has arranged my mortgage has suggested a policy which costs £350 per year. I have searched for quotes online and they are coming in much cheaper for what seems to me to be the same cover (insured sums, individual items, accidental damage, outside of the home etc). Having mentioned this to our broker all he could say was that you get what you pay for with insurance. Obviously I want to be completely covered and would rather pay more for this that be undercovered but £150 more seems excessive.

Is it possible that my broker has access to a policy which offers that much more than the standard ones?

Any thoughts would be appreciated.

Thanks

Who are your own quotes with and who are the brokers quotes with?

lauz

dacouch wrote: »

Who are your own quotes with and who are the brokers quotes with?

Both with Halifax.

dacouch

lauz wrote: »

Both with Halifax.

So your broker who I assume works for Halifax has a quote from Halifax for twice as much as you can source a quote from Halifax for and has said you get what you pay for lol.

Ask him to provide a written quotation, then compare it with your own quote from Halifax.

Check the name of the policy to see if they're the same eg "Standard" or "Premier" etc etc. Check for covers such as Accidental Damage and Personal Possessions etc.

Look at the "Summary of Cover" for each policy which may help

archer1204

Hi hopefully someone can help me please.I am an owner(freehold) of an apartment on the 3rd floor.What i want to know is i pay a service charge of £1200 a year which covers buildings insurance etc but no ground rent as i am a freeholder.I have contents insurance which covers my belongings and if due to my washing machine flooding the apartment below me their contents.However the contents insurance clearly does not cover any damage to the ceiling,floors etc.
Due to quite a few claims from other apartments this year the buildings insurance company have now put an £5000 excess on any new claims.
I just wonder what my next step should be.
I have been told i am not allowed to get a separate policy to cover the £5000 excess fee for water damage.
Do i look at getting and paying for buildings insurance on my own which hopefully doesn't have a £5000 excess fee and see if i can claim back the proportion of service charge(looks like about £250)
Or is there another way.
If anyone has any useful advice or need any other information please post away.