Home Insurance Discussion

mohammed_ahmed_3

in the same postion advice would be appreciated

brownfrog

savvieboyblue wrote: »

The attached is from The Observer and makes the point that there are vast differences in the service quality offered by different insurance companies under their home insurance. In the interests of fairness I should point out that I work for LTSB who are mentioned in the article.

As luck would have it, before I saw this, I'd bought from LTSB, purely because their policy seemed good value for the money compared with the others I had on my shortlist. What really swung is was the £120 Quidco cashback - even without this, it was a good deal; with this (assuming it goes through, fingers crossed), it'll be an excellent one.
Update: I've just checked my Quidco account, and the £120 has been validated.

OSCF

hi all, hope someone can give me some advice on how to tackle the following:

ok, so about 2wks ago, i spotted a leak through my kitchen, came through the wood panelling and onto the worktop...plastering, brickwork and wooden beam were absolutely drenched. i removed the panelling, and some had to break through a small section of the plastboard to investigate where the leak was from. Turns out it the was my next door neighbours problem (terraced property). A builder told me the wood would have to be treated and plastering redone. I spoke to my insurance company who said 'oh well because he rectified it, your're not in a position to do anything"!! Where do i stand, and how do i approach this. effectively, my neighbour 's insurance should pay for this surely!?!? please HELP

vespa_pod

Hi hope some one can help. I recieved my home insurance renewal yesterday and the renewal says £.00. It says we can make 12 monthly payments of £.00 by direct debit. Also on the renewal policy schedule it has annual Premium £.00. We also have the direct debit form saying the premium is £.00 the monthly payment is £.00. If we signed this would they have to honour this wondering if it a bit cheeky but if it going to save us money in the long run coments would be great thanks

:beer:

tavvi

Got some quotes from Confused.com then called my insurer (Direct Line) to say I didn't want to renew (was this the best offer they could make) and was immediately given 40% discount without any debate. With the exception of the very cheapest Confused.com quote (with an insurer I'd never heard of and the quote was so much cheaper I didn't trust it anyway) the revised Direct Line quote was cheapest - and they have value adding services such as a network of approved repairers - so delighted to save £235 on a single phone call.

Andy002

My home insurance quote from Tesco has DOUBLED this time. With a 3rd claim free year they think it's OK to assume we're 'lazy'.

So, last years premium - £320, this years £602.

Outrageous.

Martin Lewis - I ask you to name and shame Tesco!!!!

They also increase my car insurance by about 65% in a year.... I see a pattern forming!!!!!

Gemmzie

We've been paying £322.80 a year, renewal is £391.74 - just got a quote from Esure for £226, can this really be right?

qazitory

mohammed_ahmed wrote: »

new to forum,need advice on home insurance.I have switched cover from northern rock to tesco with a lower premium however northern rock are demanding £25 as a insurance fee to transfer the building cover to tesco. can they do that?

I had to pay the same 'fee' but the savings I made meant it was really worth it.

steww

recived my renewal quote from direct line this morning for buildings and contents cost £449.30 workd my way through martins system and a quote for £143.85 with churchill was looking preety good so i rang direct line to cancell and ask why they were so high suprise i got transferred to a customer care rep who when i explained what i was going to do informed me she could price match churchill in fact she beat them by anothe £2
So £141.85 a saving of over £300 in less than an hour unbeliveable.:beer:

mycar37

georgeone wrote: »

I know it has been referred to on previous insurance threads but another reminder cannot go amiss.

Buying the cheapest insurance sounds obviously good. But beware. Just because the marketing morons at many insurers sell only on price, there is nevertheless more to it than that (as the FSA is waking up to - I note Martin is FSA authorised so I assume he is aware that they have expressed concerns to the industry about selling solely on price and whether this is in line with the principle of treating the customer fairly).

Do you want a claim service that pays cash and leaves you to sort out the mess (and find some non-cowboys to do the repairs) or one that provides a managed repairer network that takes care of it for you? Do you want a policy that will let you value the contents of your house and insure those, or one that assumes an average figure for a 3 bed, or 4 bed, or whatever, type of house? These are just a couple of examples to illustrate that you are not buying baked beans here and cheapest is not always best.

Really, Martin, I know it is about saving money, but insurance is one area where value may well be much more important than price. I heard of someone whose house burnt down completely and he rues the day he bought the policy from "insurer A". I had a claim that needed a specialist builder and I was left to my own devices ("get a quote from a builder, we'll approve it, send us the bill, we'll send you a cheque"), when I really wanted an insurer who would send a repairer and take care of it.

Not all policy coverages are the same.
Not all claims services are the same.

Ask and think before you buy on price alone.

(Apples and oranges may be the same price, but when what you really need is a banana ... )

Would be nice if you could guarantee that the expensive one will be any better at paying out than the cheap one.