Please can you help my elderly mum get a fairer Home Insurance (contents) premium?

Mojisola

Did you read up on the information given to you in the earlier thread?
https://forums.moneysavingexpert.com/discussion/5531440

If you are still struggling to cope with your Mum's dementia and being a carer, try and get some help.

Has your Mum had an assessment by the social workers? Have you had a Carer's Assessment - also by social workers?

Have you been in touch with http://www.carersuk.org/

Are you and your Mum getting all the benefits you are entitled to? Various groups can help by doing a benefit check for you like Carers UK or CAB.

Does your Mum go to a Memory Clinic for check ups? Have you asked the nurse there (or at her GP's surgery) what support there is available for you both - there may be groups you can go in your area - https://www.alzheimers.org.uk.

Caring for someone with dementia is very stressful, especially if you are having to learn about some basic stuff like insurance at the same time. Ask about - and accept - any help that's offered.

PersianCatLady

zuliano wrote: »

Well yours is the last un-helpful responses. I am VERy disappointed with this experience asking this. If I know stuff I will go out of my way to help people
WHY should always being in the house be seen as same as house is left for long periods of time?

WHAT is the purpose of these forums? To patronize people and tell them to go to comparison sites?

I don't think that my response was unhelpful at all.


I think that you are expecting your mother's insurance to be cheaper because she is housebound and personally I think that is a misconception.


Some insurers might consider someone who is always at home and in failing health to be more of an insurance risk than a younger working person.


When I asked you if you had been to a comparison site I wanted to know if the original quote was in the same range as other quotes, I was not being patronising.


If you had said that other insurers were cheaper then I might have been able to identify the problem and then you could have gone back to the original company and told them to rectify their quote.


Sadly without knowing all of your personal information I cannot calculate an accurate quote for you but I really don't understand why you won't try it for yourself.


One thing I would say to you is why don't you check through the schedule that came with your original quote to see if any additional cover has been included that you may not need such as cover for high value electronic goods, cover for electronic goods out of the home or international cover for certain items.


With home insurance, items are so much more at risk outside the home and that is why this cover is expensive.

PersianCatLady

Sorry, I forgot to add that although you gave some information above to try and get some advice, there is nowhere near enough detail for anyone to give you an accurate quote.


The only way to get an accurate quote is to use accurate information and you really don't want to be posting that on a public forum.

zuliano

Mojisola wrote: »

Did you read up on the information given to you in the earlier thread?
https://forums.moneysavingexpert.com/discussion/5531440

If you are still struggling to cope with your Mum's dementia and being a carer, try and get some help.

Has your Mum had an assessment by the social workers? Have you had a Carer's Assessment - also by social workers?

Have you been in touch with http://www.carersuk.org/

Are you and your Mum getting all the benefits you are entitled to? Various groups can help by doing a benefit check for you like Carers UK or CAB.

Does your Mum go to a Memory Clinic for check ups? Have you asked the nurse there (or at her GP's surgery) what support there is available for you both - there may be groups you can go in your area - www.alzheimers.org.uk.

Caring for someone with dementia is very stressful, especially if you are having to learn about some basic stuff like insurance at the same time. Ask about - and accept - any help that's offered.

I really appreciate your advice, but the emergency information and help I need at the moment is me trying to find a cheaper home (contents) insurance. The deadline is the 19th January!

Mojisola

DCFC79 wrote: »

Have you tried the comparrison sites ?

zuliano wrote: »

I really appreciate your advice, but the emergency information and help I need at the moment is me trying to find a cheaper home (contents) insurance. The deadline is the 19th January!

The answer to that was in the first reply.

zuliano

PersianCatLady wrote: »

Sorry, I forgot to add that although you gave some information above to try and get some advice, there is nowhere near enough detail for anyone to give you an accurate quote.


The only way to get an accurate quote is to use accurate information and you really don't want to be posting that on a public forum.

I am not sure what you mean about detail? I copied the stuff from the Prudential letter about the policy my mum has. What other details do you need?

PersianCatLady

zuliano wrote: »

I am not sure what you mean about detail? I copied the stuff from the Prudential letter about the policy my mum has. What other details do you need?

To get an accurate quote you would need to give details about your Mum's house and address as well as personal details about her and her possessions.


What you gave in the OP was merely a summary of her cover not the details required to do that calculation.


Please have a go at https://www.comparethemarket.com/home-insurance/#yxgy0cul2uuRxhOJ.97.

paddyandstumpy

zuliano wrote: »

I am not sure what you mean about detail? I copied the stuff from the Prudential letter about the policy my mum has. What other details do you need?

By 'detail' we mean all the information you put into the website to get a quote. Don't post that info on here as that info is personal to your mum, and this is a public forum. However, without the detail it's hard to tell if your mums premium is competitive.

You previously had a thread back in September and seemed unwilling to take on the advice given to you then. This time doesn't seem too different.

If you're not confident or competent enough to handle someone else's affairs, best leave them be.

PersianCatLady

paddyandstumpy wrote: »

By 'detail' we mean all the information you put into the website to get a quote. Don't post that info on here as that info is personal to your mum, and this is a public forum. However, without the detail it's hard to tell if your mums premium is competitive.

You previously had a thread back in September and seemed unwilling to take on the advice given to you then. This time doesn't seem too different.

If you're not confident or competent enough to handle someone else's affairs, best leave them be.

I am so glad that someone else understands what I was trying to explain because I was beginning to think that I was not making sense.


I really tried to give the OP some advice but like you said he just doesn't want to take it.

zuliano

paddyandstumpy wrote: »

By 'detail' we mean all the information you put into the website to get a quote. Don't post that info on here as that info is personal to your mum, and this is a public forum. However, without the detail it's hard to tell if your mums premium is competitive.

You previously had a thread back in September and seemed unwilling to take on the advice given to you then. This time doesn't seem too different.

If you're not confident or competent enough to handle someone else's affairs, best leave them be.

Do you know, I am an easy going person, but replies like that where I feel judged I do NOT appreciate at all. :mad: Have you ever had to cope with a parent with dementia. If not, I hope you never have to find out. But I can assure you it is extremely hard, and stressfull just THAT, never mind trying to manage their affairs, especially when you are totally not used to it, and cuts have been made to other bodies out there who might be able to help. OK

In your 'well - ordered' little world it may very well be you remember old threads bla bla and know exactly what todo . But things are obviously not like that for me. Please do not get back and tell me I need support, thus patronizing and adding insult to injury. I would sooner you do not try and give advice if you talk to me in a condescending way like you have!