Home insurance provider

122 Posts

My home insurance is due for renewal and after looking online I'm struggling to decide which insurance to go with.
Based on the same insurance levels (excess, new for old, accidental damage etc) and roughly the same premiums I'm considering:
* AA
* Aviva
* LV
* More Than
(possibly Halifax because I have an account with them)
Any good or bad experiences with any of the above?
Feeling a bit lost with so many insurers so would appreciate any advice.
I've had home insurance for several years but not had to claim. Came close to claiming this year so started considering policies more carefully, overthinking perhaps
I might be doing some building work next year (*not* DIY), don't know if that matters.
Based on the same insurance levels (excess, new for old, accidental damage etc) and roughly the same premiums I'm considering:
* AA
* Aviva
* LV
* More Than
(possibly Halifax because I have an account with them)
Any good or bad experiences with any of the above?
Feeling a bit lost with so many insurers so would appreciate any advice.
I've had home insurance for several years but not had to claim. Came close to claiming this year so started considering policies more carefully, overthinking perhaps

I might be doing some building work next year (*not* DIY), don't know if that matters.
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As for your building work, the builder should have insurance in place to cover most eventualities
They wont negotiate on renewal though however there renewal prices for me and other family members have always been very good.
Only ever claimed through the home emergency section of the policy. Homeserve (their home emergency provider) came out that afternoon! and i only had the policy for 2 days at that point
Aviva are the insurers behind M&S's home insurance (or were last year when I renewed) and never have had any issue with them but again its a different channel and a different product so experiences may not be the same.
The reason for this is that broker's tend to have more/higher fees - cancellation, mid-term adjustments etc and although many brokers will have delegated claims authority, anything slightly different or higher than their limit will need to be referred, slowing down the claims process.
All of the insurers you mention are fine, so it's a comparison of cover, excess and price for each.
Thank you all for the comments. My takeaway from this is to buy from insurers rather than brokers.
This year I've stayed with Tesco Bank insurance that I had insured with before, only because I left it too late to research other policies. Hopefully I don't have to claim.
There can be a problem that you may pay more than the cheapest possible price to go with an established name and so feel you are buying on quality rather than price but unless you know the market that may not be what you get. Many large providers have both bargain basement and top tier products and so brand alone isnt always enough to be sure.