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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 2
    • pookey
    • By pookey 7th Oct 08, 5:27 PM
    • 39 Posts
    • 16 Thanks
    pookey
    home insurance with subsidance
    hi
    I dont know if this is in the right place but does anybody know which insurance companies insure houses with subsidance? I've just got my renewal with norwich union and its 381.00. I've tried looking for other companies but they all say that they dont deal with houses with subsidance. I claimed for the subsidance with norwich union 3 years ago and so i have stayed with them since as I havent been able to find another insurance company. The only other company I found was M & S who quoted 645.00 which is totally out of the running. Anyway please let me know if anybody knows anything.

    Thanks a lot
  • Pooka
    "Special Terms Imposed"
    Hi guys

    The problem I have, is that all the online comparison sites seem to make the assumption that you have never had "special terms or conditions imposed". We did, 8 years ago have a condition that the insurer wouldn't cover for theft from our outbuilding or shed following 2 claims. I'm sure this has probably now lapsed... particularly as the shed etc have now been replaced - but I'm worried that the info may be recorded somewhere in an insurance database, meaning that my insurance may be invalidated. And yet I can't even own up to the special conditions in the past, because there is nowhere to enter the info. One size doesn't fit all! Any suggestions?
    • FlameCloud
    • By FlameCloud 22nd Oct 08, 7:05 PM
    • 1,860 Posts
    • 914 Thanks
    FlameCloud
    Ring your insurer?
    • lolly5648
    • By lolly5648 23rd Oct 08, 1:51 PM
    • 2,229 Posts
    • 1,181 Thanks
    lolly5648
    pps: I recommend the MSE link to the contents calculator it is very helpful and can be amend up or down for each room.
    Originally posted by martinlewisfanclub
    Where is the MSE link to the contents calculator?
    • Rekusu
    • By Rekusu 10th Dec 08, 6:55 AM
    • 61 Posts
    • 1 Thanks
    Rekusu
    I live on the first floor of a maisonette. About seven years ago, we hadd to make a subsidence claim because our entry porch was unsupported' and we had some cracking in the external walls. The neighbour sownstairs had no problems with cracking. It was all fixed with the insurance company and thee has been not problems since. However, I am totally unable to change my insurance company. Mention subsidence when looking for a new, competitive price, and the door slams shut. Is there any way I can get a check / change to another company without lying (which I would not do as I am sure to be discovered at some point.) Can't believe that I have to stay with the same company for as long as we live here! What happens to the household insurance when we sell? Does the new buyer have to stay with to our current company? Grateful for any suggestions. Thanks, Rex
    • gloucesteroldspot
    • By gloucesteroldspot 10th Dec 08, 5:57 PM
    • 52 Posts
    • 49 Thanks
    gloucesteroldspot
    Just a note about Martin's reference to the current Birmingham Midshires 'deal' on home insurance. They will NOT give you 75 if they can't beat your renewal quote...what they will do is give you 75 IF their quote is cheaper and IF you then buy from them. As their quote was about 150 more than my current insurer it seem like a lose/lose situation! It's a rather strange offer really - I guess someone thought it up after a long lunch.......
    • trueblue58
    • By trueblue58 13th Dec 08, 12:38 PM
    • 1 Posts
    • 1 Thanks
    trueblue58
    BARGAIN! cheaper home/contents deal with same insurer on-line.
    We got our quote from AA insurance services for our home & contents renewal recently. The figure quoted was about 400 approx. combined. Out of curiosity, I went to their web-site and did an on-line quote. I was amazed when it came back almost half what we had been quoted by post. I phoned them and asked if they would match this new amount, as I had used exactly the same details as last year. They asked if they could phone back once they had checked everything; they phoned about 20 minutes later and said they would be happy to match the new figure. We have now got (unlimited)buildings cover for 112.91 and contents (up to 40k new for old + accidental etc.) for 100.62! Result!! Must be worth a try...
    • lulu650
    • By lulu650 13th Dec 08, 3:07 PM
    • 1,001 Posts
    • 1,010 Thanks
    lulu650
    Rented house/appartment insurance, which is a good one for that?

    For Contents only.
    Originally posted by Lady_K
    Could anyone help with this. Son took the insurance offered by his last rental company without shopping around or looking at cashback sites.

    He's renting and will need to be covered for 10,000 contents and accidental damage. Also, presume it won't be a problem if I pay for him and get the cashback in my name but to cover his rented flat?

    Rental company said it would be very difficult to find a company offering household insurance for a rented property and would love to prove them wrong!!

    Thanks for any help
    Saving money right, left and centre
    • Frugaldom
    • By Frugaldom 13th Dec 08, 4:07 PM
    • 6,147 Posts
    • 54,317 Thanks
    Frugaldom
    Rental company said it would be very difficult to find a company offering household insurance for a rented property and would love to prove them wrong!!

    Thanks for any help
    Originally posted by lulu650
    The above is complete and utter nonsense they're telling you. Contents insurance covers contents of any place you choose to insure, whether you own, rent or stay with friends. Millions of people rent their homes and have no problems arranging their policies, so I think the rental company may be just trying to pull the wool over your eyes. Unless, of course, you are meaning buildings insurance, in which case that is the responsibility of the property owners, who may also be the rental company. A tenant can't usually insure a building they don't own, for obvious reasons

    I rent and went through cashback sites, eventually got a deal that paid more cashback than the policy cost me, so I actually made 20 profit out of my policy for 2009.

    Good luck and I hope you can find a good deal. Quite a few out there paying around the 70 mark in cashback for contents insurance only.
    I reserve the right NOT to spend:
    The less I spend, the more I can afford!
    Now running Frugaldom as a lifestyle social enterprise!
    • dbs
    • By dbs 13th Dec 08, 4:55 PM
    • 465 Posts
    • 104 Thanks
    dbs
    I have a modest semi 3 bedrooms how much should I insure the contents for?

    Tried the Hiscox calculator came out at 50 k which seems steep to me what do most people with a semi insure for? Have been doing it for 25000 is this enough?
  • sons
    The above is complete and utter nonsense they're telling you. Contents insurance covers contents of any place you choose to insure, whether you own, rent or stay with friends. Millions of people rent their homes and have no problems arranging their policies, so I think the rental company may be just trying to pull the wool over your eyes. Unless, of course, you are meaning buildings insurance, in which case that is the responsibility of the property owners, who may also be the rental company. A tenant can't usually insure a building they don't own, for obvious reasons

    I rent and went through cashback sites, eventually got a deal that paid more cashback than the policy cost me, so I actually made 20 profit out of my policy for 2009.

    Good luck and I hope you can find a good deal. Quite a few out there paying around the 70 mark in cashback for contents insurance only.
    Originally posted by nykmedia
    As you say all companies will do contents cover for a rented property, the rental company is talking rubbish. Also as you state someone who is renting does not have an insurable interest in the building so can not get buildings insurance, that would be the responsibility of the owner of the company.
    I am a Financial Adviser.

    Anything posted on this forum is for discussion purposes only. It should not be considered financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser who can advise you after finding out more about your situation.
  • sons
    I have a modest semi 3 bedrooms how much should I insure the contents for?

    Tried the Hiscox calculator came out at 50 k which seems steep to me what do most people with a semi insure for? Have been doing it for 25000 is this enough?
    Originally posted by dbs
    Depends on the contents of your house, do you have a modern TV, any Jewelery and computers, I would think 25,000 could be a bit low. Look around your house carefully and consider whta it would cost to replace everything, not just your tv, dvd player and sofa but also your table, dvd's, cd's cutlery, clothes etc. I bet it would be more than 25,000.
    I am a Financial Adviser.

    Anything posted on this forum is for discussion purposes only. It should not be considered financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser who can advise you after finding out more about your situation.
    • HanSpan
    • By HanSpan 2nd Jan 09, 3:03 PM
    • 602 Posts
    • 1,173 Thanks
    HanSpan
    I have a modest semi 3 bedrooms how much should I insure the contents for?

    Tried the Hiscox calculator came out at 50 k which seems steep to me what do most people with a semi insure for? Have been doing it for 25000 is this enough?
    Originally posted by dbs
    For us - two single people in a 3 (well 2.5 really) bed terraced I've just reassessed and its probably over 75k. It stikes me as extremely unlikely that an 'average' family has contents worth less than 50k. I have to say in our case that daft OH has around 1000 CDs which, estimated at 13 seach, hoiks the value by 13k. However even without that we would be over the 50 and we have no kids (and their belongings).
    Add up the cost to replace every piece of furniture and rug, the white goods, all the books and clothes and odd bits of jewelry (I own nothing with a diamond so its not that); crockery and cutlery, all the 'consumables' like cleaning products and food, beds and bedding and towels, gardening equipment (if that's included in your policy), food and booze, any fun/hobby related stuff and I can't think of a friend I know that wouldn't top the 50k.

    I wonder is there anything I'm counting that I shouldn't? I took the 'shake the house and count what falls out' very literally!
  • ddillon
    insure4retirement
    Hi,

    Can anyone please reccomend if they have used this company in the past?
    Do you know if they are a trustworthy company?

    Has anyone had a policy through equity red star.
    If in the event of a claim did you encounter any problems.

    Kind Regards.
    D
    • luv_my_brass
    • By luv_my_brass 21st Jan 09, 2:58 PM
    • 235 Posts
    • 27 Thanks
    luv_my_brass
    I am pretty new to quidco, but have been searching out house & contents insurance both independently and through quidco, despite the cash back, I am still finding that the quotes are much higher through quidco, rather cancelling out any benefits. I have opted for Barclays Insurance with a 55 cash back, as at least this will be paid to me quite quickly.
    if i had known then what i know now
  • waterways
    SAGA contents insurance
    Saga for the over 50s do up to 99,999
    ps: Remember you don't have to go right up to 99,999 with SAGA, obviously, and will save by stopping at your optimum level. Perhaps you should check that M&S's premiums for the "unlimited" isn't higher than if you type in a lower amount. (I haven't looked at their site so apologies if it's obvious that you can't type in a lower amount)
    pps: I recommend the MSE link to the contents calculator it is very helpful and can be amend up or down for each room.
    Originally posted by martinlewisfanclub
    Beware SAGA cover for accidental damage, it does not cover "human" accidents, for this you need extended accidental cover. My 95 yr old Grandmother found this out to her cost when she had an accident recently and they would not pay out.
    • dacouch
    • By dacouch 4th Feb 09, 10:08 PM
    • 20,693 Posts
    • 12,825 Thanks
    dacouch
    The only problem with the Saga Policy (They are not the only one) they give a Contents Cover of 50000 but limit the total amount of "Valuables" to 7000 for a 3 bed home and 9000 for a 4 bedroom home.

    They define valuables to be :
    Jewellery, watches, clocks, furs, articles made of gold, silver and
    other precious metals, precious stones, pictures, works of art
    and collections of stamps, coins and medals which you own or
    are in your possession.

    You need to take this into account as we generally found a home would have around 30% of their contents sum insured as Valuables eg on 50000 it would be 15000. So their amount (They are not alone a lot of the direct companies who offer high headline contents sum insured have similar limits). So if you take one of these policies ensure that the TOTAL amount of all of your valuables to replace at current market prices is not more than the amount they limit it to. If you need a higher amount ask them for a higher amount as I believe they offer higher cover at an extra cost.
    • payless
    • By payless 5th Feb 09, 7:08 AM
    • 6,588 Posts
    • 2,343 Thanks
    payless
    yeah and some income tv, videa and audio in the list of valuables as well !
    Any posts on here are for information and discussion purposes only and shouldn't be seen as (financial) advice.
  • QOTD
    Cancelling Policy
    I can't find anything via the searches on this so hopefully someone can help....
    All my insurances were due for renewal in mid December last year - I mean't to sort them out and try to get a much cheaper price but I was really ill at the time and just didn't manage it!

    Noe I'm feeling much better and want to sort them all out because I know that I am paying through the nose - however do I have to continue the policies until December this year or can I cancel them?

    I know that I need to read the small print but I wondered if anyone had a general idea before I turn the house upside down looking for all the details....

    Any help welcome.
    Debts: Loans = 27,000 (car and consolidation), Credit Cards = 25,500. Total Debt at June 2011 = 52,500
    Challenges:Grocery Challenge July 100.31/100 , August 156.80/260
    • whaylock
    • By whaylock 18th Feb 09, 4:20 PM
    • 24 Posts
    • 2 Thanks
    whaylock
    Not many quotes
    I have just tried the Confused.com website for some house & contents quotes but only 6 companies were prepared to quote. All the rest refused to quote on my details - one on the grounds of my husband's age - he is over 80 - but the others weren't specific. We haven't had any claims nor are there any serious negatives for the property. Does anyone have any idea why so few insurers want to cover us?
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