Top home insurers keep changing!

*Scarlett

If you require £35k contents insurance I would not be recommending Hiscox or Chubb. These are specialists for people needing a lot more cover than that - £100s of thousands.

Have you had a look at John Lewis? They appear to have couple of 5 * defaqto rated policies and are Which recommended.

http://www.defaqto.com/star-ratings/home-insurance?Search=j

http://www.which.co.uk/money/insurance/reviews-ns/home-insurance/recommended-providers/

If you are concerned that the JL policy does not cover lost keys they may offer an optional key cover to cover house and car keys .

ripplyuk

Thanks Scarlet, I did get a quote from John Lewis but it was £60 more than my current renewal offer from LV. The quote from NFU was about the same as John Lewis.

Its just hard to decide if it's worth paying a lot more for a recommended company, especially as LV was previously high up on the Which? reviews but has now dropped. I wonder if any company I choose will soon drop down in the ratings! I was also a bit unsure because John Lewis is underwritten by someone else, I think Royal Sun Alliance, and I've heard lots of bad things about them on consumer shows on TV.

ripplyuk

I've also noticed that lots of insurers offer accidental damage cover to home entertainment equipment as standard, without having to take out the extra accidental damage cover for everything. Most will not include my iPad in this but LV do which was a big deciding factor for me at the time.

agrinnall

You're posting on the MoneySavingExpert forum, so I wonder why you aren't simply following the advice given on the main site, at least as a starting point?

http://www.moneysavingexpert.com/insurance/home-insurance?_ga=1.206724625.34353075.1398175728

InsideInsurance

agrinnall wrote: »

You're posting on the MoneySavingExpert forum, so I wonder why you aren't simply following the advice given on the main site, at least as a starting point?

http://www.moneysavingexpert.com/insurance/home-insurance?_ga=1.206724625.34353075.1398175728

As it promotes price over value? Most the recommended providers are all the bargain basement 1* products and low Which? customer satisfaction results but a correspondingly low price.

The OP in this case explicitly asked for quality not the cheapest possible

agrinnall

InsideInsurance wrote: »

As it promotes price over value? Most the recommended providers are all the bargain basement 1* products and low Which? customer satisfaction results but a correspondingly low price.

The OP in this case explicitly asked for quality not the cheapest possible

Well, what the OP actually said is that they are willing to "pay a bit more" but seems to have rejected several policies on the basis of cost.

The MSE guide doesn't just have recommended products, it explains the strategy to use to get the best out of comparison sites. My suggestion would be that the OP uses those to get some prices that would be acceptable, and they can then research the providers to see which ones offer the most suitable policies.

ripplyuk

I haven't rejected any of the policies, agrinnall. I'm still considering them and the advice I've received has been very helpful indeed. I've read the MSE guide but it seems aimed at those looking to find the cheapest available. To me, buying the cheapest policy could be a very expensive mistake if the company isn't reliable and it may be worth economising in other areas to afford something better.