Churchill, Post Office or Legal & General for Home Insurance?

Wammer

At the moment I am between the above two and haven't quite decided although I have a couple of weeks to decide. Churchill are rated 5* on Defaqto and the Post Office only 3*.

Anything I should be aware of between them?

Edited the title to add L&G to the mix

Sally_A

I have no personal experience of either, but I think that Churchill are underwritten by UK Insurance, and the Post Office use Budget Insurance.


I'd rather be with Churchill.


In cases where my clients have been involved with Churchill or Budget, it's a no brainer - Churchill claims (if you can get hold of the right, competent person) are much easier to deal with.


Face facts - you aren't buying a nice shiny policy booklet, you are buying someone to get you out the doo-doo when the manure hits the windmill.


As with all policies - read the small print.


In fact, the best way to approach insurance, is to think of the 10 most likely things that could go wrong for you and make sure it is covered. Pay special attention to the wording regarding stuff in sheds, pushbikes, freezer breakdown (if you have a big freezer), items away from the premises such as jewellery, laptops, etc.

nobbysn*ts

Dawn French and a nodding dog every time!

Wammer

Thanks for the reply. I appreciate the feedback. I did see that the Post Office policy was underwritten by BISL which rang alarm bells, but I couldn't recall anything specific.

I know that there is far more to insurance than price which is why I asked the question.

I was leaning towards Churchill and the Post Office came in as a late contender due to their tempting offer of £50 to beat a renewal quote. However I am well aware that they will have T&Cs to try to wriggle out of paying.

As for considering everything and reading the wording, I have done nothing else but compare policies since 11 o'clock this morning so I haven't just picked a couple of names out of thin air. I have a list of criteria a policy must have such as trace and access, accidental damage cover for underground cables and pipes, sanitary ware, etc.

nobbysn*ts

Topcashback have a good offer on Churchill

Wammer

I could only see £26.25 on TCB and was hoping for a bit more when the likes of Legal and General are offering £60.

Wammer

I have added Legal & General to the thread title, but I wouldn't be eligible for the cashback as I am an existing customer. However I would like opinions on them compared to the other two.

Regarding the cashback, I am the policyholder with the OH named on the policy. Do you think we would be eligible for the cashback if we took a policy out in OH's name with me named on the policy, ie OH regarded as a New Customer?

Wammer

Unfrotunately L&G had to come out of the running.

According to Quidco's T&Cs you can only have one offer per household in a 12 month period which was going to be fine.

However when I clicked through to the L&G site and read the Quidco T&Cs there, it states that you can only have one offer per household in an 18 month period.

Just as well I read the T&Cs again and didn't just assume they would be the same.