Insuring first home- struggling

dimbo61

"Which" has a list of best buys and I am sure that MSE also has a list of companies that meet a good standard of cover.
Most if not all insurance companies have free phone lines when you ring to get a quote.
Or try one or two of the main comparison websites. Moneysupermarket, compare the market, go compare and quidco which also offer cash back

marliepanda

dimbo61 wrote: »

"Which" has a list of best buys and I am sure that MSE also has a list of companies that meet a good standard of cover.
Most if not all insurance companies have free phone lines when you ring to get a quote.
Or try one or two of the main comparison websites. Moneysupermarket, compare the market, go compare and quidco which also offer cash back

That sounds incredibly time consuming and a lot of effort. Phone calls? Visiting 6 websites??

Heather2603

marliepanda wrote: »

That sounds incredibly time consuming and a lot of effort. Phone calls? Visiting 6 websites??

:rotfl::rotfl:

TBagpuss

A others have said, it is worth speaking to a broker or to one fo the big companies to get a quote.
It's possible that there is some odd technical glitch (such as your address not coming up on a postcode database search)
or that there is an issue with the property, in which case you need to know what it is before you commit yourselves,
or an issue with one of you or the way you plan to use your home (in which case again, useful to kno what it is and correct it if possible.

Did you say you want to pay monthly or in one lump? If you ticked the box for 'monthly' then could poor credit be an issue?

jennifernil

chamelious wrote: »

I haven't and won't be phoning round individual vendors. I've already wasted enough time on this.

Many thanks for the help all.

No need to phone, the big companies will all do quotes on line.

jennifernil

Out,_Vile_Jelly wrote: »

- plenty of big names do not use the comparison sites- have you tried them direct?

- many of the unfamiliar cheapo ones may be underwritten by larger names.

-your bank/mortgage provider may be an option (rarely competitive though).

Is Aviva not one of the ones that do not use comparison sites?

Re banks.......surprisingly, for our car insurance, Halifax worked out best for what we needed! No doubt the premium will shoot up next year though.

kingstreet

I suspect chamelious' use of the word 'vendors' rather than insurers indicates US origin and he/she thinks there is a better deal to be had from the 'manufacturer', not understanding that in the UK home insurance market the aggregators have resulted in the manufacturer being the vendor and the ultimate risk-holder at the same time.

chamelious - please come back and tell us what you are looking for and we'll try to point you in the right direction.

chamelious

kingstreet wrote: »

I suspect chamelious' use of the word 'vendors' rather than insurers indicates US origin and he/she thinks there is a better deal to be had from the 'manufacturer', not understanding that in the UK home insurance market the aggregators have resulted in the manufacturer being the vendor and the ultimate risk-holder at the same time.

chamelious - please come back and tell us what you are looking for and we'll try to point you in the right direction.

Standard legal cover required by my mortgage company.

The house is dirt cheap, the area is many miles from a flood zone. Its a standard old terrace, literally nothing to remark on. My partner and i have zero debt and make much more than we need to afford the house, we've never had any issue with other insurance before.

"Admiral" return an acceptable price (just over a hundred quid a year), literally anyone else is 3-10 times this. I tried a couple of individuals online but they all say "no", with no reason provided, after having spent ages filling out the forms.

sparky130a

chamelious wrote: »

"Admiral" return an acceptable price (just over a hundred quid a year), literally anyone else is 3-10 times this.

And was what they provided for that premium acceptable?

And trust me, if Admiral aren't "mainstream" i don't know who is...

lincroft1710

chamelious wrote: »

"Admiral" return an acceptable price (just over a hundred quid a year), literally anyone else is 3-10 times this. I tried a couple of individuals online but they all say "no", with no reason provided, after having spent ages filling out the forms.

There must be something amiss for companies to quote £300 to £1000 or decline to quote. Have Admiral missed something or is their proposed policy full of high excesses or exclusions?