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  • FIRST POST
    • Former MSE Wendy
    • By Former MSE Wendy 17th Jun 08, 10:35 AM
    • 868Posts
    • 1,782Thanks
    Former MSE Wendy
    Home Insurance Discussion
    • #1
    • 17th Jun 08, 10:35 AM
    Home Insurance Discussion 17th Jun 08 at 10:35 AM


    This discussion relates to the


    To discuss or ask a question about the article: click reply

    If you've reduced the amount of your home insurance with cashback please report your success to encourage others
    Last edited by Former MSE Andrea; 25-03-2014 at 11:00 AM.
Page 32
    • KrzyKat
    • By KrzyKat 17th May 19, 5:35 PM
    • 3 Posts
    • 0 Thanks
    KrzyKat
    House insurance query
    Hi

    I am trying to sort out house insurance as its due for renewal but I'm currently working abroad which means my house is empty except when I get a flight home every 5 weeks for the weekend.
    How would this be classified by the insurance companies? Unoccupied, just normal, holiday or something else?

    Thanks for the help

    KrzyKat
    • Doc N
    • By Doc N 17th May 19, 5:49 PM
    • 7,048 Posts
    • 19,901 Thanks
    Doc N
    Hi

    I am trying to sort out house insurance as its due for renewal but I'm currently working abroad which means my house is empty except when I get a flight home every 5 weeks for the weekend.
    How would this be classified by the insurance companies? Unoccupied, just normal, holiday or something else?

    Thanks for the help

    KrzyKat
    Originally posted by KrzyKat

    Each company will have its own terms on dealing with absences, but you may find thereís a hefty additional premium, along with cover restrictions, for absences in excess of a month or so.
    • Rich2808
    • By Rich2808 30th May 19, 5:56 PM
    • 859 Posts
    • 692 Thanks
    Rich2808
    Following the MSE cheap home insurance search I tried the Age Co listed with an apparently Hot deal of £75 M&S voucher. Its a lot of a discount but gets dwarfed but exceedingly high quotes.
    With the quote from them £300 !!! higher than my current renewal (like for like) no voucher would persuade me to go with it.
    Shockingly high quote so hope the £75 voucher will not give an impression that you might get a good deal there.

    Hope this might save someone some time
    Originally posted by Hometinker
    I did a similar quote for my elderly mother who is in her 80s.

    Her quote from Ageco - for a slightly worse policy than her current insurer (who offer £1m buildings cover whereas Ageco only offer a maximum of £500k) - was more than double her renewal quote. A whopping £550 higher!

    Absolutely shocking - for a company that markets itself as offering lower premiums for elderly people. So she won't be taking advantage of the £65 M&S voucher either!
    • SimbaK2K
    • By SimbaK2K 31st May 19, 8:39 AM
    • 806 Posts
    • 568 Thanks
    SimbaK2K
    Insurancing New Home at Contract Exchange
    Hi All,

    I'm in the process of buying a new house and need to have insurance cover in place on exchanging contracts, as I'll also need to cover the existing property until we move out it looks like I need two insurance policies. The company I am with QuoteMeHappy doesn't provide temporary house insurance when moving and simply mentions you may want to cancel your policy if you need that.

    So the question is, can I get a second insurance product on the new house using my same no claims bonus that is currently in use on my existing property?

    Alternatively I think I can get a second insurance on the new house without no claims bonus, then when I move transfer the old policy to the new house and cancel the newly purchased insurance that would then be redundant.

    Any ideas?
    • davidwatts
    • By davidwatts 31st May 19, 7:31 PM
    • 269 Posts
    • 200 Thanks
    davidwatts
    So the question is, can I get a second insurance product on the new house using my same no claims bonus that is currently in use on my existing property?
    Originally posted by SimbaK2K
    You're confusing how car insurance works with how home insurance works! There's no such thing as a no claim bonus that you can move from one insurer to another for home insurance. Home insurers may or may not offer a specific no claims bonus/discount or they might just take your claims experience into account as part of their pricing.

    It's not an issue, so just get the quotes you need for the new property and go for the one that comes at the best price (whether with or without the benefit of a no claim discount) and meets your needs in terms of cover.
    • EasyLay
    • By EasyLay 2nd Jun 19, 4:05 PM
    • 31 Posts
    • 16 Thanks
    EasyLay
    I'm currently looking at home insurance. One of the questions I'm asked about is how many years I haven't claimed for. I tried to claim for a stolen smartphone a few months ago but the insurer disputed the claim and said I was no longer covered (as they had dropped the gadget insurance from my policy a few months earlier - which is another story altogether).

    My question is; would this still count as a claim? I was essentially claiming for something I was no longer covered for under my policy so of course received no money.
    • Quentin
    • By Quentin 2nd Jun 19, 5:23 PM
    • 40,488 Posts
    • 24,533 Thanks
    Quentin
    To be on the safe side ask your chosen insurer before you buy. Home insurance is not something you want to risk being voided at the time of a claim!

    The question asks about claims ( not "successful" claims)

    If they give you the answer you want then ask them to confirm the conversation back to you in writing
    • Doc N
    • By Doc N 2nd Jun 19, 5:53 PM
    • 7,048 Posts
    • 19,901 Thanks
    Doc N
    Certainly the question relates to all claims and not just successful ones.

    Some insurers are now taking that even further and penalising customers just for asking whether a claim can be made for something. Their line is that something has happened which might make the customer a riskier prospect, and itís difficult to argue with the logic of that.
    • Topcat_222
    • By Topcat_222 3rd Jun 19, 9:50 PM
    • 1 Posts
    • 0 Thanks
    Topcat_222
    leasehold insurance
    We currently live in a mortgaged property and have done so for five years. We have to prove our insurance to our leasehold owners every year thus paying £2.50 in ground rent each year. This is all fine as these are the terms of the lease. My question is are the lease holders allowed to determine who we insure our house with each year? We have asked neighbours who have the same lease owners as us, but have recently discovered there are not bound by choice. Our lease owners are the Compton group and have stated we must be underwritten by zurich. Although zurich are no longer taking new customers , we have to use a broker. How do we even find out who the zurich underwrite to. Also would we have a case to complain as our neighbours insure freely. Any help would appreciated. TC
    • DavyP
    • By DavyP 17th Jul 19, 2:51 PM
    • 1 Posts
    • 0 Thanks
    DavyP
    Contents when moving into new partners house.
    Hi, Iíve just moved into my partners house and sheís keeping very quiet about her contents insurance just saying sheís got about 20k worth of cover. My issue is that my stuff is currently insured for 85k and to be honest 50k would cover it. She wonít budge or give me her policy to read. For piece of mind Iím close to moving my valuable kit into storage and insuring it there. Anyone know if you can have 2 different contents policies at the same address. To be brutally honest her and my stuff are as different as night and day so there would be no issues identifying who owns what.

    Thank
    • davidwatts
    • By davidwatts 17th Jul 19, 6:51 PM
    • 269 Posts
    • 200 Thanks
    davidwatts
    Move out now, there's definitely something odd going on if she won't discuss such a trivial subject with you openly! The normal and correct thing to do (for a couple living together) would be to have one policy in joint names that provided an adequate level of cover for all your possessions. I suppose you could take out a policy in your name but there would be a degree of dual insurance there which could get messy in the event of a claim.
    • BamBamBam
    • By BamBamBam 14th Aug 19, 2:34 PM
    • 1 Posts
    • 0 Thanks
    BamBamBam
    Ultion locks on shared ownership property?
    Hi all.

    In a few weeks, my girlfriend and I our moving into our new shared ownership home. We're looking at getting insurance but worried about the locks on the house.

    The front door is an Ultion cylinder-type lock. According to the cheap insurance article, it isn't one of the 5 recognized by insurance companies. Now we are worried that our insurance will be sky high. We're also worried that the locks may not even be suitable to protect our property and keep intruders out!

    Has anyone else been in a similar situation and/or have experience with Ultion locks?
    • Doc N
    • By Doc N 14th Aug 19, 3:08 PM
    • 7,048 Posts
    • 19,901 Thanks
    Doc N
    Hi all.

    In a few weeks, my girlfriend and I our moving into our new shared ownership home. We're looking at getting insurance but worried about the locks on the house.

    The front door is an Ultion cylinder-type lock. According to the cheap insurance article, it isn't one of the 5 recognized by insurance companies. Now we are worried that our insurance will be sky high. We're also worried that the locks may not even be suitable to protect our property and keep intruders out!

    Has anyone else been in a similar situation and/or have experience with Ultion locks?
    Originally posted by BamBamBam
    It's not the brand of lock that counts - it's the type. Can't see any obvious problems with Ultion, but you do need more than just a cylinder lock usually - though that depends very much on the property, is location, the sum insured and the insurer.

    Have a look at this as a guide:

    https://www.uswitch.com/home-insurance/types-of-door-locks/
    • MrsCD
    • By MrsCD 21st Aug 19, 8:13 PM
    • 753 Posts
    • 11,263 Thanks
    MrsCD
    Please can someone help me?
    My mam passed away in January, and I've taken over running my dad's affairs, with LPAs in place. I've searched for insurance documents for contents, but can't find any. The last dd is in Sept 2016, and I can't see any new dds since then on bank statements. Dad is in a council bungalow and over 80. He can't remember which company they might have used.
    My question is - is it legal to take out insurance if another policy might be around, or should I go ahead and get some anyway?
    • dacouch
    • By dacouch 21st Aug 19, 8:51 PM
    • 20,732 Posts
    • 12,848 Thanks
    dacouch
    Please can someone help me?
    My mam passed away in January, and I've taken over running my dad's affairs, with LPAs in place. I've searched for insurance documents for contents, but can't find any. The last dd is in Sept 2016, and I can't see any new dds since then on bank statements. Dad is in a council bungalow and over 80. He can't remember which company they might have used.
    My question is - is it legal to take out insurance if another policy might be around, or should I go ahead and get some anyway?
    Originally posted by MrsCD
    It's not illegal to have two policies running, it only causes problems if you had two polices and claimed on both polices.

    If there are no DDs or signs of payments for a long time it's unlikely they had cover.

    Becareful when arranging cover as your father is likely to massively under estimate the cost of replacing his contents at the NEW prices. So take a policy out that offers anough cover to replace everything at the NEW current price
    • MrsCD
    • By MrsCD 21st Aug 19, 9:07 PM
    • 753 Posts
    • 11,263 Thanks
    MrsCD
    It's not illegal to have two policies running, it only causes problems if you had two polices and claimed on both polices.

    If there are no DDs or signs of payments for a long time it's unlikely they had cover.

    Becareful when arranging cover as your father is likely to massively under estimate the cost of replacing his contents at the NEW prices. So take a policy out that offers anough cover to replace everything at the NEW current price
    Originally posted by dacouch
    Thank you. I've done a comparison site search for 'new for old' and 'emergency cover', plus legal aid as extras. They quoted £111 which I thought wasn't too bad. I'll check the amount of cover but I think it was something like 50k which would more than cover what he has.
    • hozza94
    • By hozza94 12th Sep 19, 3:53 PM
    • 18 Posts
    • 8 Thanks
    hozza94
    Anyone have experience with getting insured, with one of the residents being a full-time student?
    I currently live with my brother, who is about to start his master's study this month, in a property that is owned by my parents (they live elsewhere). However, when I look into the policies, insurers tend to exclude full-time students from their insurance.
    How can we get insured in this case?
    • p00hsticks
    • By p00hsticks 12th Sep 19, 4:57 PM
    • 7,148 Posts
    • 7,899 Thanks
    p00hsticks
    Anyone have experience with getting insured, with one of the residents being a full-time student?
    I currently live with my brother, who is about to start his master's study this month, in a property that is owned by my parents (they live elsewhere). However, when I look into the policies, insurers tend to exclude full-time students from their insurance.
    How can we get insured in this case?
    Originally posted by hozza94
    It's a very long time since I was a student, but Endsleigh was the market leader for student-specific insurance then - not sure if they exclude non-students from their policies

    https://www.endsleigh.co.uk/
    • maryhaggie
    • By maryhaggie 11th Oct 19, 6:36 PM
    • 32 Posts
    • 8 Thanks
    maryhaggie
    Can anyone give me advice as to how to go about insuring a house other than my own? I have an old terrace house that my son and his family live in, I have always paid for the building insurance - he has lived there for 20 years and has never paid a bean in rent - would I be Ok getting a landlord insurance or would that be fraudulent. I have always insured it with Aviva and they have never indicated that it was Landlord insurance, the renewal amount has increased again so I thought I would start to ring around but LV, with whom I have my own insurance said it would have to be landlord, and after a 20 minute phone call gave me a quote that was a lot higher than Aviva. I'm tempted just to renew with them but just thought I would ask if anyone has any info that would help many thanks
    Mary
    xx
    Last edited by maryhaggie; 11-10-2019 at 6:38 PM.
    • anita116
    • By anita116 11th Oct 19, 8:21 PM
    • 41 Posts
    • 33 Thanks
    anita116
    solution?
    Can anyone give me advice as to how to go about insuring a house other than my own? I have an old terrace house that my son and his family live in, I have always paid for the building insurance - he has lived there for 20 years and has never paid a bean in rent - would I be Ok getting a landlord insurance or would that be fraudulent. I have always insured it with Aviva and they have never indicated that it was Landlord insurance, the renewal amount has increased again so I thought I would start to ring around but LV, with whom I have my own insurance said it would have to be landlord, and after a 20 minute phone call gave me a quote that was a lot higher than Aviva. I'm tempted just to renew with them but just thought I would ask if anyone has any info that would help many thanks
    Mary
    xx
    Originally posted by maryhaggie


    Why not get him to insure the property and then you give him the money? Otherwise, try an insurance broker.
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