Home Insurance Discussion

ksh123

I have to make a complaint to both my insurance broker:RIAS and the underwriter:FORTIS

Are there any template letters available. I can't turn anything up in a search.
thank you.

ksh123

I have to make a complaint to both my insurance broker:RIAS and the underwriter:FORTIS

Are there any template letters available. I can't turn anything up in a search.
thank you.

Shoose

hi
I need some help. We've extended our bungalow into a chalet- orginal building is block and render, extension (upstairs) is a wooden shell covered in render. I've phoned round a view insurers today and no one is interested as the top is wood and render as opposed to wood encased in brick.
Can anyone recommend an insurer that will provide cover?
Thanks

Mark_Scott

When my wife re-mortgaged she paid for building insurance @ approx £40 per Month with the mortgage provider (Halifax).
This was seven years ago and has continued to renew without question.......
I recently found out this fact so decided to log onto Halifax website and got a quote with similar conditions for around £10/Month as an existing customer.

It is a long shot, but could we be in a position to claim a mis-sale, considering the premiums should have reduced with no claims bonuses?

I look foward to your response

Thanks

Mark Scott

tortilla69

Hi all

I hope I'm in the right place to air this point.

Our insurance is due shortly, I have the renewal and am in the process of looking around. Now I've had a quote for B&C from quikfit that seems quite good, now looking a little deeper they say that if I accept I have 14 days to cancel which I think is pretty standard, distance selling and all that, however they say that if I cancel they will charge me £25 for admin ????

Is this right???

Horseunderwater

Has anyone else noticed that the quoting questionaires now ask for a more detailed number of rooms?
Go Compare - asks for bedrooms number, then there is another question saying number of rooms excl kitchen/bathrooms. My dilema is this:
Details are semi det with 3 beds 2 x WC/bths 1 kitch and small conservatory utility and back cloakroom dining room and living room. In the total number of rooms question - Do you fill in all rooms exclude kitch/baths W/cs or do you exclude bedrooms as well? Previously I had filled in 8 which incl the bedrooms, but should it really be 5 rooms and not include the beds?
Makes one hell of a premium difference and I do not want to be under insured, but equally I do not want to pay over the odds.

Wednesday1970

Good advice Darky. It is highly frustrating that the accent is on buying cheaper, shopping around and even, in one insurer's adverts, buying in 2 minutes. You wouldn't want your house conveyancing done in 2 minutes, so why is it sensible to buy cheap insurance, which will rebuild your home if there is a fire, without spending any time understanding what you are buying? I once bought house insurance on a comparison site. When I received the policy, hidden in the policy wording, was a clause which said I had to deadlock the front door and remove the keys at night time (rather than just when unoccupied). Given that I have two young children I felt that this was a risk to them if there was a fire and, of course, was not aware of this when I saw the details online. I rang them, they cancelled the policy and sold me new one which they said did not have this warranty. When it arrived, hidden well within the policy wording: the exact same requirement. The call centre operative was clearly not sufficiently knowledgable. I suspect many people do not read their policies and, in particular, look for such requirements. If I hadn't, I wouldn't have been covered if there was a break-in during the night.

An insurance policy is a contract, it covers specific things in return for a premium. It contains many clauses, conditions and requirements. This is not a bad thing - if it covered every possible eventuality you wouldn't be able to afford the insurance. It is not a case of buying the cheapest insurance every year with no regard to the policy conditions and terms (which are hard to come by on the websites) and then complaining because the insurance policy doesn't cover every possible problem. A good insurance broker, particularly a CII qualified one, can compare different products, advise you on the extent of cover, guide you on what information to disclose and help you with a claim. They are not always more expensive either; they often have access to different products to those that appear on the comparison websites.

We must stop looking at insurance as some cheap commodity to be bought quickly because it is boring. It is a critical contract protecting our most valuable assets - our house, car or even our life. It is vital we take time to understand what we are buying and get the right help. It takes years of study and examinations to become an ACII qualified insurance professional - is it any wonder then that people who are encouraged by the media and through advertising to do it themselves are often left in difficulty.

Wednesday1970

Wednesday1970 wrote: »

Good advice Darky. It is highly frustrating that the accent is on buying cheaper, shopping around and even, in one insurer's adverts, buying in 2 minutes. You wouldn't want your house conveyancing done in 2 minutes, so why is it sensible to buy cheap insurance, which will rebuild your home if there is a fire, without spending any time understanding what you are buying? I once bought house insurance on a comparison site. When I received the policy, hidden in the policy wording, was a clause which said I had to deadlock the front door and remove the keys at night time (rather than just when unoccupied). Given that I have two young children I felt that this was a risk to them if there was a fire and, of course, was not aware of this when I saw the details online. I rang them, they cancelled the policy and sold me new one which they said did not have this warranty. When it arrived, hidden well within the policy wording: the exact same requirement. The call centre operative was clearly not sufficiently knowledgable. I suspect many people do not read their policies and, in particular, look for such requirements. If I hadn't, I wouldn't have been covered if there was a break-in during the night.

An insurance policy is a contract, it covers specific things in return for a premium. It contains many clauses, conditions and requirements. This is not a bad thing - if it covered every possible eventuality you wouldn't be able to afford the insurance. It is not a case of buying the cheapest insurance every year with no regard to the policy conditions and terms (which are hard to come by on the websites) and then complaining because the insurance policy doesn't cover every possible problem. A good insurance broker, particularly a CII qualified one, can compare different products, advise you on the extent of cover, guide you on what information to disclose and help you with a claim. They are not always more expensive either; they often have access to different products to those that appear on the comparison websites.

We must stop looking at insurance as some cheap commodity to be bought quickly because it is boring. It is a critical contract protecting our most valuable assets - our house, car or even our life. It is vital we take time to understand what we are buying and get the right help. It takes years of study and examinations to become an ACII qualified insurance professional - is it any wonder then that people who are encouraged by the media and through advertising to do it themselves are often left in difficulty.

Just realised I have responded to a post that is three years old! I'll get the hang of this. The points made are still valid though

FinAdv

LOL. That has happened to me as well. Someone was looking for travel insurance and I responded after 5 yrs. Hahahaha

hermans25

How to get cheap insurance there tips for you.
1. Install safety and security features in your home before you shop for homeowners insurance.
2. Choose a home that is made of brick or strong materials. Wooden frame houses will surely have higher home insurance than a brick house.
3. Increase your deductible to an amount that is reasonable for you financially.
4. Consolidate your homeowners insurance with your auto, life, or health insurance.