Quote Me Happy any good ?

hubb

I have had 2 best prices come up in home buildings and contents insurance.

Quote Me Happy at £133.92 with no free emergency and no free legal. Buildings and contents excess are £200 each. £40 cashback with Quidco.

Esure at £138.76 with free emergency and free legal. Buildings and contents excess are £350 each. £45 cashback with Quidco.

I can't decide which to go for as well as if the free legal cover and emergency are worth it.

What would you go for ?:money:

InsideInsurance

Home insurance cover varies massively between providers, I would look at the one that provides the correct cover for my needs rather than the cheapest.

hubb

What would you consider correct cover to be ?

InsideInsurance

Its personal, so for me I dont have outbuildings so no concerns on what level of cover is given for them but I do have a distorted amount of "high risk" type items so I need to ensure (1) how they define high risk, (2) what the unspecified item limit is - generally I want it high as I dont want to have to specify ever piece of jewellery, camera lens etc and (3) that they'll provide the level of limits I need (most insurers have a maximum ratio of high risk -v- standard risk items).

Personally I do want matched pair cover so if one of our dining chairs is destroyed that they'll replace the whole table and chairs rather than giving me the value of just a single chair leaving me with a table and 7 matching chairs and one odd chair.

hubb

I was wondering how good quote me happy are as an insurance company as I can't find anything online about their service ratings.

rs65

hubb wrote: »

I was wondering how good quote me happy are as an insurance company as I can't find anything online about their service ratings.

There are a few threads on this forum

https://forums.moneysavingexpert.com/discussion/4089283

https://forums.moneysavingexpert.com/discussion/3830375

https://forums.moneysavingexpert.com/discussion/4238953

rs65

And another today

https://forums.moneysavingexpert.com/discussion/comment/58436943#Comment_58436943

hubb

Oh dear, looks like I will be giving QMH a wide birth. Thanks for the links.