Home Insurance Cashback Success

Worlds_Worst_Superhero

My renewal price for Buildings and Contents Insurance from Swintons was nearly £250.
I followed Martin's advice and used a combination of price comparison sites to find BETTER cover for £104.57.
Already a saving of £145.30 :j
Because I used a particular site, I also qualified for a Baby Oleg Meerkat toy and as I was taking out a policy as a new customer, received £70 in Amazon vouchers.
If the cashback from Topcashback tracks, 400K of buildings cover and 50K of contents insurance has cost just £34.57 and comes with £70 Amazon vouchers and a cuddly toy my son adores!
Assuming the toy to be worth £20, my insurance has cost the equivalent of ................minus £55.43! :money:
Do I win a prize?!
THANK YOU- this site is amazing

bulktrans

who was offering £70 amazon voucher - the comparison website or the provider. plz PM me thnx

rubywhatashmoo

When we first bought our house it was such a rush to find insurance and as the house had been underpinned years before we had issues finding any - cue paying £39.44 a month (£473.28 a year) for the first year - followed the guides and advice on here for our second years and knocked the price down to £12.26 a month (£147.12 a year!) (plus £25 cashback through Quidco!). Thanks MSE

DMFR

bulktrans wrote: »

who was offering £70 amazon voucher - the comparison website or the provider. plz PM me thnx

Have a look at Step Two to see the incentives you could receive for taking out a new policy

Matchbook

Renewal £99 with L&G, checked all comparisons and eventually went with Aviva, £83 so not a £massive saving , but added accidental damage and cycles this year!
Oh and also; £20 cashback on quidco!!

VisionThing

My bank quoted £16 per month for combined buildings and contents and offered a Home Emergency add-on for £4 (Which I would take as I no longer have a husband I can rely on to do repairs) - Following all the links in the article, I have managed to get a better policy than they offered with Legal cover and Home Emergency as a standard for £126.

A cracking saving of £114! (And a free Brian!)

Incidentally, my policy was cheaper through the comparison site than when I searched the company's site myself - I often avoid them because I had figured the cheapest option would be to get it direct.

I guess I am a comparison convert!

Mrsb9008

My home insurance(building & contents) renewal from Lloyds Bank was £420 for the year, followed the link on MSE website, used a comparison site and found a cheaper quote with the same provider for £252 a year cheaper!
Phoned them and quoted the amount and suggested they let me have it at the cheaper price (although i am an existing customer) otherwise I would cancel and reapply as a new customer and get the cheaper price anyway.
Got this agreed!!! and it also saved me having to go through all the questions as they already had my details.
NB: quote was like for like too.... well pleased :j:j:j

LottieLou

I posted this on home insurance discussion, but it might be better placed here.

Just in case it has not been mentioned already, if anyone looking to get building and contents insurance and you are a British Gas customer they are currently offering free contents cover when you take out buildings insurance (but still make sure you select building and contents).

Topcashback are offering £70 cash back too.

I did a quote with them for a standard 3 bed (extended) semi, they covered building and contents above what we needed - i think 400k Buildings and 40k contents (no choice to change these down only up) noise alarm, mortise deadlock doors/lockable windows, no accidental cover though, no very expensive items, £100 excess, 1years previous contents cover only & legal cover and it came to £101 :j so with cash back £31 a year.

Only trouble is, I am not a BG customer so can't take it out but my nana is so I will be making sure she gets one herself! The next cheapest I am finding for the same house with other providers is just over £100 more

dacouch

LottieLou wrote: »

I posted this on home insurance discussion, but it might be better placed here.

Just in case it has not been mentioned already, if anyone looking to get building and contents insurance and you are a British Gas customer they are currently offering free contents cover when you take out buildings insurance (but still make sure you select building and contents).

Topcashback are offering £70 cash back too.

I did a quote with them for a standard 3 bed (extended) semi, they covered building and contents above what we needed - i think 400k Buildings and 40k contents (no choice to change these down only up) noise alarm, mortise deadlock doors/lockable windows, no accidental cover though, no very expensive items, £100 excess, 1years previous contents cover only & legal cover and it came to £101 :j so with cash back £31 a year.

Only trouble is, I am not a BG customer so can't take it out but my nana is so I will be making sure she gets one herself! The next cheapest I am finding for the same house with other providers is just over £100 more

If you're getting the contents Insurance for free, why would you accept the requirement for an alarm and security locks?

By doing the above you've reduced your cover at no financial benefit to you.

You'll need to make sure you shop around next year as they'll invite the renewal on the premium including contents so the premium will shoot up

LottieLou

dacouch wrote: »

If you're getting the contents Insurance for free, why would you accept the requirement for an alarm and security locks?

By doing the above you've reduced your cover at no financial benefit to you.

You'll need to make sure you shop around next year as they'll invite the renewal on the premium including contents so the premium will shoot up

There wasn't a requirement, they did not ask that information, I was merely displaying what kind of house that overall premium came to to enable people to see that and compare it. For example: that quote could have been for a policy with high excess, 1 bedroom house with a fancy police linked alarm.