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

PersianCatLady

zuliano wrote: »

The same I said to him/her, I am saying to you. Please do not talk to me like this. Keep your advice unless you treat me with respect. You have no clue about what I am having to face so do not sit their on your fat rrrse judging me. Got it?

I have not spoken to you like anything.


In fact I have spent quite a lot of time trying to help you but short of you posting all of your mother's personal details online so I can get you a quote, which is risky, I cannot do anymore to help you.


Also you have asked me to treat you with respect which I believe I have and then you make wild assumptions about me.


You are correct that I don't know what it is like to care for someone with dementia but I have just spent the last two years caring for a very close relative as she battled lymphoma and nearly died. She was only saved by a stem cell transplant which was heartbreaking to see her so sick and in isolation for so long.


Finally I am 5'8'' and weigh 65 Kg so I don't have a fat !!!! but that is irrelevant.


I am sorry that your mother is suffering and I am sorry that it is so hard for you but perhaps if you weren't so rude to people you might find life a little less challenging.

zuliano

csgohan4 wrote: »

what are you not familiar with on the websites, anything in particular?

I am really just nervous. OK I just tried comparethemarket.com, and it has really wound me up. I went through all the pages, and then click to 'get quotes', and that little buffering thing appears, but it goes on and on. So I go an do something for a little bit, come back and it has crashed! I don't know if problem is my computer or the site.

This bit of the questions I was confused a bit by. It is when it asks. I made a note of it:

In section: How much would it cost to replace the entire contents of your home as new? it has already there '£35,000;, and under it says :'based on UK averages a similar sized property could have total contents worth £35,000.'

However in my mum's details in the Contents section it has 'Sum insured: £52,000'

I did key in the latter, but what should I put in do you think? That's if the godamn site works next time.

By the way, which compare site is your favourite, and why?

Quentin

Maybe a trip to local broker ( not Swinton) may be better for you where you can discuss this face to face with someone who can probe for the information needed to get you some quotes

PersianCatLady

zuliano wrote: »

However in my mum's details in the Contents section it has 'Sum insured: £52,000'

I did key in the latter, but what should I put in do you think? That's if the godamn site works next time.

Nobody on here can help you to decide whether the contents of your mother's house are worth £35,000 or £52,000 because we don't know what she has.


I would suspect that an elderly person would have less contents than a family of four but I don't know what your mother owns.


Personally if I was doing contents for a single elderly person I would expect £35,000 to be more than enough cover but again I don't know.


Have you tried a contents calculator like this https://www.confused.com/home-insurance/contents-calculator which guides you through making a rough estimate of the value of your contents?

Robin9

To give a contents figure for your Mum’s property you need to do a little bit of work. Start in the kitchen – what would it cost to replace her cooker, her fridge, kettle – go to the lounge – how much for the TV, radio, the furniture – go to the bedroom – how much for the bed, the sheets, wardrobe – and so on..

When the insurance company say typically £35,000 they have done all this legwork for you – they have years of experience and they know without seeing you Mum’s property what the contents are worth. Just use that figure. They will have figures for a 1 bed flat, a 5 bed house – there is only so much contents you can put in a property.

Even if you have £52,000 of contents it would make very little difference to the premium. What would make a difference is if you put £1,000 and when you come to make a claim – say after a fire – for all the replacement items – then the insurance would only pay a small part.

Answer the questions truthfully as far as you can but don’t get too worried if you don’t know. You will save some money by changing insurers but don’t get hung up of how much time she spends at home, the contents – it all makes little difference to the premium.

paddyandstumpy

zuliano wrote: »

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!

A link to the previous thread was posted in this thread. Not much of a trauma to click the link...

I didn't tell you you need support.

I was not (nor did I intend to be) patronising or talk to you in a condescending manner.

I haven't had to deal with what you have had to deal with and I do empathise with you; however you repeat your questions over 2 threads and seem to take objection to most of the answers given. If you want help, don't bite the hand that helps you.

As per Quentin; go and see a Broker, who can spend the time walking you through your options.

Or, if you're unsure and don't want to mess it up, leave the policy where it is.

zuliano

Robin9 wrote: »

To give a contents figure for your Mum’s property you need to do a little bit of work. Start in the kitchen – what would it cost to replace her cooker, her fridge, kettle – go to the lounge – how much for the TV, radio, the furniture – go to the bedroom – how much for the bed, the sheets, wardrobe – and so on..

When the insurance company say typically £35,000 they have done all this legwork for you – they have years of experience and they know without seeing you Mum’s property what the contents are worth. Just use that figure. They will have figures for a 1 bed flat, a 5 bed house – there is only so much contents you can put in a property.

Even if you have £52,000 of contents it would make very little difference to the premium. What would make a difference is if you put £1,000 and when you come to make a claim – say after a fire – for all the replacement items – then the insurance would only pay a small part.

Answer the questions truthfully as far as you can but don’t get too worried if you don’t know. You will save some money by changing insurers but don’t get hung up of how much time she spends at home, the contents – it all makes little difference to the premium.

Here is an update. I tried the Uswitch comparison site, and lowest quote I got was £65:00

Then I noticed they offered a one to one telephone consulting service, and I received a phonecall.

So let me summarize what she said, and the quote:

When I mentioned that in my mum's Prudential policy there were the sections 'Home Emergency Legal Protection': ('Up to £100,000 for Legal costs in pursuing claims for personal injury, contract, property and employment disputes.

And the section under that is 'Home Emergency': ( Up to £500 for call out, labour and parts in the event of an emergency at you7r home)

She was surprised, because you see this is a private rented house, and she believes that these sections should be only IF you won your home as what is stipulated is really our Landlord's responsibility. Is she right?

So anyhow onto the quote she gave me:

It would be with AGEAS Insurance:

excess £100
escape of water £250

Contents £75,000
Valuable limit: £10,000


All in all, the quote is £93:64

Would you and others recommend I now contact her current insurance who she's been with many years, Prudential, and explain I have found this quote, and if they can offer anything better?

Quentin

zuliano wrote: »

When I mentioned that in my mum's Prudential policy there were the sections 'Home Emergency Legal Protection': ('Up to £100,000 for Legal costs in pursuing claims for personal injury, contract, property and employment disputes.

And the section under that is 'Home Emergency': ( Up to £500 for call out, labour and parts in the event of an emergency at you7r home)

She was surprised, because you see this is a private rented house, and she believes that these sections should be only IF you won your home as what is stipulated is really our Landlord's responsibility. Is she right?.....

No. Bad advice. Landlords are not responsible for paying their tenants up to £100000 for legal costs pursuing claims for personal injury/contract, property or employment disputes.


(Normally landlords do have arrangements with agents to deal with emergencies such as leaks etc, though it would depend on whether the landlord owned the other items covered under this section)


Read up the MSE guide on home insurance for tips on haggling with the present insurer (See link in "quick links" at the top of the page)

zuliano

Quentin wrote: »

No. Bad advice. Landlords are not responsible for paying their tenants up to £100000 for legal costs pursuing claims for personal injury/contract, property or employment disputes.


(Normally landlords do have arrangements with agents to deal with emergencies such as leaks etc, though it would depend on whether the landlord owned the other items covered under this section)


Read up the MSE guide on home insurance for tips on haggling with the present insurer (See link in "quick links" at the top of the page)

Thanks.

OK she gave me bad advice ey? This is why I get nervous, and find it all very confusing.

Now, when I have looked at comparison sites there seems no mention about any 'Home Emergency Legal Protection' and 'Home Emergency'

Do you agree?

If so, how can I compare quotes if I cannot add this to the questions?

Quentin

They are both usually optional additions and not included in a standard policy.


See if you can get a better understanding by discussing this face to face with a local broker (not Swinton)