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Insurance & moving house
MickeyDaMouse
Posts: 97 Forumite
We currently have an insurance policy with Churchills. The renewal comes up in a few days time at my current address and it's a content only policy (I'm currently renting).
We move house at the start of May, annoyingly a short time after the 14 day cooling off period. This time we'll be homeowners so will need buildings cover too.
I've got quotes online for buildings and contents cover at £190-200 for the new address from other companies.
I explained the situation to Churchills today and asked them to extend cover here for one month - they refused and insisted it's a whole year policy or nothing.
The problem is Churchills' quote for my new house, building and contents, is £460! A ridiculous amount, especially when I can get cover at the new home for £190 from other companies for the same cover.
Churchills suggested I take their cover out and then pay £35 to cancel the policy when I move and take out another. The new companies don't seem overly wild about me taking a policy out at one address and then changing to another without incurring an admin fee of a similar amount.
So, any other ideas I've not thought of to cover this short amount of time?
We move house at the start of May, annoyingly a short time after the 14 day cooling off period. This time we'll be homeowners so will need buildings cover too.
I've got quotes online for buildings and contents cover at £190-200 for the new address from other companies.
I explained the situation to Churchills today and asked them to extend cover here for one month - they refused and insisted it's a whole year policy or nothing.
The problem is Churchills' quote for my new house, building and contents, is £460! A ridiculous amount, especially when I can get cover at the new home for £190 from other companies for the same cover.
Churchills suggested I take their cover out and then pay £35 to cancel the policy when I move and take out another. The new companies don't seem overly wild about me taking a policy out at one address and then changing to another without incurring an admin fee of a similar amount.
So, any other ideas I've not thought of to cover this short amount of time?
0
Comments
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Is the £190 the same level of cover as £460 cover (have you compared them line by line)?
Is it possible to take out the cheaper policy if you want that one and just get it to start earlier - have to check if there is any liability issue if the sellers want to claim on their insurance while you are insuring the houseSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
0 -
Can the £190 insurer cover contents only at your current address and then do a change of address and cover to the £190 price?
It's unreasonable to expect that for free or without admin charges.0 -
Your options are;
- Renew with Churchill at the current address, changing the address when you move.
- Renew with Churchill at the current address, cancel when you move and take out a new policy elsewhere.
- Take out a new policy at your current address with a different provider, and change the address when you move.0
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