change house insurance renewal date to more convenient date

superdayold

We moved in to our house just before Christmas 10 years ago, so every year it's the same. I want to shop around for home insurance, but i find there is always something else to do. Ideally i want the poilcy to renew in Jan when i have more time - any way i can do this? thanks

MeteredOut

Two immediate thoughts

•  speak to a broker about taking out a 6 month or 18 month policy - this will likely cost you more if you typically do a comparison each year
• take out your usual policy but cancel after x months, accepting it'll cost you £50 or so and you'll lose any no-claims for that year

It'll come down to whether the extra cost is worth removing the current hassle.

la531983

Or, go without home insurance for a few weeks, accepting the inherent risk this may carry.

MyRealNameToo

superdayold said:

We moved in to our house just before Christmas 10 years ago, so every year it's the same. I want to shop around for home insurance, but i find there is always something else to do. Ideally i want the poilcy to renew in Jan when i have more time - any way i can do this? thanks

There arent any temp home insurance policies that I'm aware of so you are probably best to buy a new policy based on the low cost of cancellation then in January get your policy to start in circa 21 days and then cancel the old policy on the day that the new policy starts. 

Won't be "money saving" as you may be paying more monthly to get a policy with low cancelation fees and then have to pay the cancellation fees but it will move your renewal date.

la531983 said:

Or, go without home insurance for a few weeks, accepting the inherent risk this may carry.

Are you offering to indemnify them if they follow your advice and they are unlucky enough to have a major fire during the period of no insurance?

MeteredOut

la531983 said:

Or, go without home insurance for a few weeks, accepting the inherent risk this may carry.

I assume this was buildings and contents. And buildings insurance is a requirement for most mortgages.

la531983

la531983 said:

Or, go without home insurance for a few weeks, accepting the inherent risk this may carry.

Are you offering to indemnify them if they follow your advice and they are unlucky enough to have a major fire during the period of no insurance?

Erm no. Did you read the last 7 words of my post?