Buildings+Contents vs seperate insurance

NittyGritty

just done a few comparisons online, and ive found that if you get contents and buildings seperate rather than together it works out cheaper??

anyone else found this

for example, a quote with swinton for
buildings =£60
Contents= £47

yet when u try both together it comes to £118

is it wise to get home insurance together or seperate or doesnt it matter that much, i know it prob be easier to have it all in one place

Quentin

If you need to claim you may have to claim off 2 policies incurring 2 lots of excesses if you have separate policies.

But if you do buy separately you may be able to also get 2 lots of introductory incentives eg. Quidco type cashback/gift cards etc.

Check swinton feedback here and on the net. There's a reason why they seem cheap!!

NittyGritty

you dont pay excess on both if you only claim for one of them?

example if i bought seperate and only claimed on contents, you wouldnt pay buildings excess aswell

if i bought buildings and contents, together in one, the same would apply (if you only claimed for contents) abviously if you claimed for both it would me paying 2 excess or have i got that wrong?

no-oneknowsme

NittyGritty wrote: »

just done a few comparisons online, and ive found that if you get contents and buildings seperate rather than together it works out cheaper??

anyone else found this

for example, a quote with swinton for
buildings =£60
Contents= £47

yet when u try both together it comes to £118

is it wise to get home insurance together or seperate or doesnt it matter that much, i know it prob be easier to have it all in one place

My Dad always advised me to have my buildings and contents insured with the same company - this is only his opinion though.

His reasoning for this is that you would only have one company to deal with in the event of a total loss and so making life easier.

Also , you would have only one renewal to deal with and so wouldnt have to shop around to find the best deal for each insurance.

rs65

no-oneknowsme wrote: »

My Dad always advised me to have my buildings and contents insured with the same company - this is only his opinion though.

His reasoning for this is that you would only have one company to deal with in the event of a total loss and so making life easier.

Also , you would have only one renewal to deal with and so wouldnt have to shop around to find the best deal for each insurance.

I would agree with him. I always have a combined policy.

NittyGritty

no-oneknowsme wrote: »

My Dad always advised me to have my buildings and contents insured with the same company - this is only his opinion though.

His reasoning for this is that you would only have one company to deal with in the event of a total loss and so making life easier.

Also , you would have only one renewal to deal with and so wouldnt have to shop around to find the best deal for each insurance.

yeah its with swinton,

tempting offer of £30 cashback for each Contents and Building policy, plus quidco cashback of £50 in total, so a saving of £110 in cashback,
very tempted to get separate buildings and contents with swinton as it works out cheaper than getting it together/combined for some odd reason, but i,m not complaining:)

rs65

Swinton are a broker. You could end up with buildings and contents with separate insurers.

NittyGritty

yeah both are with legal n general