Home Insurance Discussion

Krands85

The contents renewal for the flat I'm renting is up for renewal in the middle of next month. However, the lease expires in September, so I don't want to pay for a whole year of insurance.

Is there anywhere that offers short-term contents isurance, or who I can cancel with after 6 months and get a rebate for the unused 6 months or something like that?

blackpongo1

just to let you know i'm now insured got a policy( through my finicial advisor )
with royal sun alliance only £70 more than last year once again dacouch thanks for all your help:T

Yogibear

luv_my_brass wrote: »

Probably :-(
I have heard that Quidco are not quick to give you your money, so it only looks good on paper, would be interested in hearing from those who have successfully got their money paid out from Quidco or any other pay back sites. Nevertheless, £78 is impressive, but depends on what you are insuring - is it building and/or contents insurance? and how big is your home? I found that insurance quotes tended to be higher through quidco and that included Asda. :-/

Quidco are excellent at paying out I`ve had over £1800 in 4 years:beer:

moneysavingsoozy

I received my Home renewal letter today from PO and am sharing this here for other renewers - from renewal the terms of the emergency "home assistance" cover are changing - boilers that are more than 15 years old or not receiving an annual service will now not be eligable for Home assiatance. This was highlighted on a seperate bit of paper with the renewal letter so could be missed by skim readers.

I have found HA useful cover and used it last year for a boiler issue - which now wouldn't be covered beacuse I don't do an annual service (more like 2/3 years). I guess they are changing it as it will exclude a lot of claimants :rolleyes: and if you didn't know what a nasty shock that would be as you try to arrange an emergency fix.

HTH someone and I would advise you always read everything that comes with your renewal letter...

dacouch

That is good advice moneysavingsoozy.

You could always take Emergency Cover out with someone else who does not have the same exclusion. (I would guess they will all eventually bring in a similar exclusion as they are probably picking up a lot of claims in this area).

CrazyIndianZA

Hi, I need to insure some family jewellery. Any idea how I go about doing this ? Are there some providers who will allow you to specify certain items ? Do I need valuations or certificates ?

I already have home insurance with Hiscox but nothing specific for the jewellery

THanks

dacouch

If you have a Hiscox policy the easiest thing is to add it to that policy assuming the jewellery is owned and kept by the families home who have the HIscox Policy.

The Hiscox policy has much higher single article limits than a normal policy so for a lot of items will not need valuations.

It is good advice though to get your jewellery revalued as the price of gold has gone through the roof in the last few years and you are likely to find the replacement cost of your jewellery has shot up, especially if it is 24ct.

Give Hiscox and ring and ask them how to add the jewellery on.

CrazyIndianZA

Thanks for the quick response. Was actually thinking of moving away from Hiscox as their premiums have really started to shoot up. I don't think I live in a high risk area and nor do I own a lot of stuff so was thinking about shopping around.

dacouch

The Hiscox is not the cheapest on the market, it is without doubt one of the best. Its not like a normal home policy, its designed for affluent people who expect the same sort of service from their Insurer as they would from say their Mercedes dealer.

With a normal Insurer if you claim for your jewellery they will try and give you vouchers for someone like Goldsmiths. With Hiscox they will ask you to get a quote to replace it from who you normally use and thats what they will pay you.

If you put a claim in they will normally come and see you the same or next day and can normally pay a claim of up to £10000 out their and then.

Their Policy is also much much wide than a normal policy

Its like anything in life you get what you pay for, Hiscox clients are normally happy to pay for the extra peace of mind.

I can honestly say if you had ever had a claim with Hiscox it is very unlikely you would ever want to change. You can't say that about the normal Insurers.

Do a search of MSE under "Hiscox" as there are some threads.

If you are getting quotes from normal insurers be careful as they will say they cover your contents for £60000 or unlimited but will have an inner limit for Valuables which will include jewellery and sometimes televisions and computers of a maximum of sometimes as low as £7000 so they may not be suitable.

AlexL_3

Hi. Having previously followed MSE's advice to pay for my contents insurance up-front I am now in the process of getting a mortgage for a new house. My mortgage adviser has offered to include contents and buildings insurance in the package at a more competitive rate than I am currently paying. I have another 6 months left on the contents insurance that I have paid for up-front.

My questions is; if I take out the more competitive premium as part of my mortgage deal will I be able to get the money back that I have paid up-front for the remaining 6 months of my existing policy?

Obviously my current insurer says not but I wondered whether anyone has had any luck with this in the past?

Thanks.