Home Insurance Discussion

dacouch

elle_may wrote: »

Home renewal from Direct Line £119.98. Cheaper than last year. AA 100.29 plus free 12ths road recovery, hopefully £40 with cashback. This is with B/C cover, accidental damage, personal possessions worldwide. So i may only pay £60 all told, not bad for a few clicks and 5mins work.

Rang DL and said did not want to renew and without asking put renewal down to £108 if i wanted to come back to them. So please everybody don't be loyal to any company. Car insurance due next month, hope that's as fun too.

Set yourself a reminder to cancel the road recovery section (If you don't want it next year) as they will automatically include it in your and charge you the full price for it eg circa £60.

A lot of people have been caught out by this

elle_may

dacouch wrote: »

Set yourself a reminder to cancel the road recovery section (If you don't want it next year) as they will automatically include it in your and charge you the full price for it eg circa £60.

A lot of people have been caught out by this

Thanks, i have already put this reminder on my pc and phone. But not everyone does this, and it does no harm in reminding people. :A:A

lordthorpe

Hello.

We have decided to help out our married Daughter, her Husband and young child by buying them a house from our savings.

We won't be living there but our names will be on the deeds - to be transferred to our Daughter on our deaths.

We are not landlords, but they have indicated that they will give us what we would be looding in interest if we had kept the money in the bank and that they understand that the house will be their inheritance.

What would be the best way to insure the building - most sites expect the deed holder to acyually live there. Can they insure it themselves or will the insurance companies try to claim that I am a landlord (even though I am not).

Any advice would be welcome.

Thank you.

Parus_major

Hi,

Dad was ill, went into hospital now in a nursing home. Soon to be assessed but we suspect he may be unfit to return home.

what insurance companies insure empty homes please?

anyone with any experience would be grateful for their knowledge.

Thanks

Dave

dacouch

lordthorpe wrote: »

Hello.

We have decided to help out our married Daughter, her Husband and young child by buying them a house from our savings.

We won't be living there but our names will be on the deeds - to be transferred to our Daughter on our deaths.

We are not landlords, but they have indicated that they will give us what we would be looding in interest if we had kept the money in the bank and that they understand that the house will be their inheritance.

What would be the best way to insure the building - most sites expect the deed holder to acyually live there. Can they insure it themselves or will the insurance companies try to claim that I am a landlord (even though I am not).

Any advice would be welcome.

Thank you.

Try speaking to a local broker (Avoid Swinton), your situation is not that unusual so they will have handled it before.

Be aware your daughter's family should arrange their own contents cover in their own name for their contents.

dacouch

Parus_major wrote: »

Hi,

Dad was ill, went into hospital now in a nursing home. Soon to be assessed but we suspect he may be unfit to return home.

what insurance companies insure empty homes please?

anyone with any experience would be grateful for their knowledge.

Thanks

Dave

Try a local broker (Avoid Swintons).

However your first port of call should be his current Home Insurers (Assuming he has cover as not all senior people take out cover) as most Insurers will be flexible in your father's situation for existing customers.

50Twuncle

Policy Expert - with Free Kindle = £325
Aviva - with £60 Quidco cashback = £105
Guess which I decided to use ?
Building and Contents in both cases (identical cover)

m_trigue

The Policy Expert free kindle / amazon £80 voucher scheme is a complete rip off!

Through the link provided my policy came up to £342 yet via moneysupermarket and other comparison sites it comes up £100+ cheaper!

I called policy expert and I'm quoted £218 with the same exact details. I said will I still get the freebie? They said with the freebie your policy will be £342 but we can discount it to £280 for you.

I said that's MADNESS! So essentially I'm PAYING you for a freebie? In fact paying you more than the freebie is worth? MADNESS!!!

Long story short, I didn't go for the freebie in the end and my policy on the third recalculation (I was on the phone for almost an hour) came down to £204.06 - a £137.94 saving!

Moral of the story - don't be lured by freebies and end up paying for a free ride!

randm

my insurance policy states that all windows are to be locked at night except in an occupied bedroom. is this the same with all insurers? surely I am not the only one who has the bathroom window open in the summer to let fresh air flow through.

Doc_N

randm wrote: »

my insurance policy states that all windows are to be locked at night except in an occupied bedroom. is this the same with all insurers? surely I am not the only one who has the bathroom window open in the summer to let fresh air flow through.

No - it's not the same with all insurers. But the chances of finding a similar clause in your policy will vary dramatically according to where you live and what the local crime rate is like.