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Insuring first home- struggling

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chamelious
chamelious Posts: 116 Forumite
edited 16 March 2017 at 11:42AM in House buying, renting & selling
I've used a few comparison sites to get prices for my and my partners first home. I'm only getting 7 or 8 results from each, and they range from affordable to ridiculous, but they're all from rubbish companies I've never heard of.

I can't think of any reason why i'd be struggling to get results from reputable dealers, the policy details are literally as standard as you can possibly get. Can anyone shed any light?

At the mo the only option i can see is go for the cheapest one (admiral) and just hope we never need it.
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  • davetrousers
    davetrousers Posts: 5,862 Forumite
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    chamelious wrote: »
    At the mo the only option i can see is go for the cheapest one (admiral) and just hope we never need it.

    Of course you'll hope you'll never need it

    I am with Aviva, 'twas very reasonable. You might not need all of the add ons that increase the premium. Go through topcashback too (I am due £50 ish cashback from my policy.
    .....

  • chamelious
    chamelious Posts: 116 Forumite
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    Hm. I'm not sure you've understood the issue.

    Aviva isn't an option for me, nor is any mainstream recognisable vendor.
  • pimento
    pimento Posts: 6,241 Forumite
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    What do they say when you phone them for a quote rather that using a comparison site?

    By 'them' I mean Aviva.
    "If you think it's expensive to hire a professional to do the job, wait until you hire an amateur." -- Red Adair
  • Pixie5740
    Pixie5740 Posts: 14,515 Forumite
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    What kind of property are you trying to insure? Have you ever ben rejected for insurance or had a policy cancelled in the past?
  • Alfrescodave
    Alfrescodave Posts: 990 Forumite
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    The actual post code has a strong bearing on cost of insuring property; are you in an area that might be considered as having a high risk?
  • chamelious
    chamelious Posts: 116 Forumite
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    The area is not high risk, its a standard terraced house and i've never had any kind of claim for anything, although this will be my first buildings/contents insurance which is the only reason i can think.
  • davidmcn
    davidmcn Posts: 23,596 Forumite
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    chamelious wrote: »
    Aviva isn't an option for me, nor is any mainstream recognisable vendor.
    Are you saying Admiral aren't mainstream or recognisable? Why do you need an insurer which is mainstream and/or recognisable anyway? If you've never had insurance before, how do you know which insurers are "rubbish"?
  • chamelious
    chamelious Posts: 116 Forumite
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    I checked out reviews for Admiral and literally couldn't find a positive one.
  • davidmcn
    davidmcn Posts: 23,596 Forumite
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    chamelious wrote: »
    I checked out reviews for Admiral and literally couldn't find a positive one.
    I've used them for both home and motor insurance. They're fine.

    As with anything else, the tendency is only to bother writing online reviews if you've got something to moan about. People don't rave about how great their insurer is if all they've done is what they were paid to do.
  • gettingtheresometime
    gettingtheresometime Posts: 6,911 Forumite
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    An insurance company is only as good or bad when the policy holder comes to claim.


    Usually as well these insurance companies with weird names are off shoots of more well known brands
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