Home Insurance Discussion

gazza975526570

November2 wrote: »

Hi, can someone please help as I'm totally puzzled by the quotes I've been given. Have just done a quote with Churchill, great price of only £108 then noticed excess was at a staggering £150! So I altered it to £60 but the quote only went up to £118!, so I altered it again to '0' excess and the quote only went up to £127!! Does the excess really have so little effect, if so are others aware of the potential 'savings' they can make by paying a little extra for zero excess. I've added accidental breakage and it's now gone up to £164 which is still brilliant and way below what I have been paying (and will go via quidco too!). But before I go ahead (and I need to do this before 4th Dec when my other insurance finishes) can someone just confirm I'm not missing something as it does seem very odd. Until I did a quote online I didn't even know you could have zero excess, I always just accepted the details given over the phone!
Mandy

Yeah some insurers still allow 0 xs

INeedATissue

Hi

Just noticed one of the cashback sites is offering £60 cashback for Halifax Home Insurance. Are Halifax any good?

Thankyou.

INeedATissue

Hi.

Anyone able to help? The cashback offer runs out on the 9th and I'd like to get the policy as soon as possible. The quote is half of what my renewal with Direct Line is.

Thankyou.

Surfbabe

I've just had my renewal notice from direct line £539.!!! Used Confused.com and Money Supermarket and came up with AA at around £300, so I rang Direct Line and asked them to match it. They told me to look on their website and apply for a new policu which I did £320, so I've cancelled current insurance with them from renewal and taken out a new policy for £200 less.!!!! All in all it took about half an hour so don't give up hope

INeedATissue

But why go with a company who tries to rip off existing customers?

Surfbabe

Good point - I suppose because that who our insurance has always been with and the hassle of advising mortgage lenders etc of a change of company was too much to think about.

INeedATissue

I understand your reasons

What I don't understand is how these companies think they are going to keep customers when they treat them like this. :mad:

I would really like some feedback about Halifax as the £60 cashback offer ends in only 2 days. Has anyone had problems with them before?

FlameCloud

The halifax policy is one of the highest rated policies out there.

Whether it is suitable for you, only you can figure that out.

RichWrexham

I have just had a mortgage offer from Nationwide and part of this offer is the following,

"Where our security is a freehold title, the policy must be in your and Nationwide's joint names".

I have never heard of this and this was not a condition on my current mortgage from Principality.

From the home insurance searches l have performed on the internet so far, you cannot place say Nationwide as a joint policy holder.

Has anyone heard of this? I am having doubts going with Nationwide because of this.

sarahleone

Our house and contents has been with Direct Line for at least 4 years now. We received a letter saying it was up for auto renewal we didnt have to do anything quoted a monthly figure of £658 checking online we discovered that if we renewed online it would be £238 over £400 less for the same buildings insurance cover but with INCREASED contents cover.

The reaction of the staff member my husband spoke to at Directline was matter of fact and said that there was nothing he could do about this or the fact that we may well have overpaid significantly over the las couple of years by accpeting the automated renewa. When my husband wanted to take this complaint further he was assured that the "formal complaint procedure" which was to ask hi supervisor and she said no, had been followed and that that was the the whole proceudre and there was no come back.

When my husband queried the extent of this complaint procedure the call handler insisted that we had undergone it in all its 'formal' detail and that was an end to it we had no further recourse. So not only extorting money but failure to commit to the FSA standards of complaint handling.