Home Insurance with all the extra's...worth it? £190 per annum

IAMIAM

Hi,
I have checked via Quidco Moneysupermarket Comparison Site. Was quoted the best as Privilege Platinum. I have since purchased this with £32 cashback would take it to £160 per annum. My question is I always add on Accidental on Building and Contents AND Home Emergency AND Legal Cover. All this added costs around £60 extra....is it worth it? Ie, cheaper paying £130 instead. I tend to use home emergency, but its all the others.....
Thoughts...

tacpot12

For £60 extra, the add-ons seem not to expensive, but if you don't have a lot accidents at home, the accidental cover is probably redundant. I've never been a fan of home emergency cover, but it is comes bundled at very low cost, it might be very handy. Legal expense cover is the one that I would regard as the most important. Lots of posts of MSE could usefully be refered to a legal specialist. 

theoretica

I understand that the accident need not be your accident - someone else putting a ladder or ball through your window?

user1977

theoretica said:

I understand that the accident need not be your accident - someone else putting a ladder or ball through your window?

True, though those both sound highly likely to be someone else's negligence, in which case you could sue them (and the legal cover then might become handy, though not essential).

DullGreyGuy

Accidental damage can also catch other things... so if there is bad weather but not a storm, you lose a few roof tiles and the ceiling in the bedroom collapses due to the rain water.

The initial damage to the roof wont be covered as its not storm conditions and so will be pegged to a maintenance issue however with some policies the resultant water damage could attach to the AD section if you have purchased it. 

user1977 said:

theoretica said:

I understand that the accident need not be your accident - someone else putting a ladder or ball through your window?

True, though those both sound highly likely to be someone else's negligence, in which case you could sue them (and the legal cover then might become handy, though not essential).

You could, but good luck trying to sue the 7 year old kid next door, will do wonders for neighbourhood relations too. Or sue the random kid that no one saw/knew that was playing bat & ball in your close.


LE cover normally gives you a 24/7 legal advice line, personally for me thats worth the cost alone. It will support you in making certain claims (not against a kid playing with a ball) but there are certain getout clauses for them such as the proportionality of the cost -v- potential damages.


There are some non-optional extra items like "trace and access" and "matching set" cover which I would put as high importance to us but thats when you have to get into reading policywordings. Plus maximum single item limit and personal possessions - with low limits this can be very expensive if you have a few nice things you take out your home (the likes of NFU cannot factor in the fact you wont be talking all 12 designer handbags you own out the house at the same time)

redecraft

I'm insured with Privilege and have a water leak - we have waited over a week for their "Home Emergency" to fail to fix it. They now say they are unable to as they can't source the right pipe. They are worse than useless!