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    • Former MSE Wendy
    • By Former MSE Wendy 6th Feb 07, 6:01 PM
    • 868Posts
    • 1,782Thanks
    Former MSE Wendy
    Home Insurance Discussion
    • #1
    • 6th Feb 07, 6:01 PM
    Home Insurance Discussion 6th Feb 07 at 6:01 PM
    This discussion relates to the

    New Home Insurance Article

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

    (to read the old discussion see

    Last edited by Former MSE Wendy; 06-02-2007 at 6:42 PM.
Page 4
  • Learner_Saver
    Jewellery Valuation Charges
    Does anyone know of a reasonably priced jewellery valuation service. I am keen to reduce my contents insurance premium still further but in order to move to a different provider I need to produce up-to-date valuations for my wife's jewellery. The cheapest quotes I can get around town is 1-1.5% of the value which, on about £10,000, is £100-£150. It may very well not be worth moving.
    Treat everyday as your last one on earth! and one day you will be right.
    • rainbowstar
    • By rainbowstar 22nd May 07, 1:29 PM
    • 32 Posts
    • 26 Thanks
    Contents Insurance advice needed!
    Hi there, I was wondering if any of you could advise me on contents insurance. My fiance and I require contents insurance for the flat we are renting. I have called several companies and received all different quotes - ranging from under £150 to over £400 :confused:
    The problem is, I don't really know what we're looking for with regards to options. These companies just keep spouting out information and I'm not sure what it all means:
    Accidental damage cover? Legal expenses? Excess? Food cover? Cover outside the home?
    Any advice would be much appreciated!!

  • lammie
    Home insurance rip-offs!
    Hi there!

    I wanted to bring up a topic close to my heart - home insurance and the (quite frankly) fraudulent way it is advertised these days.

    I had an insurance policy with a particular company, who advertise heavily on tv, advising that you can cover all manner of different types of accidents or damages. I paid an extra premium for more cover and thought everything was fine.

    Then I had a flood. I initially phoned up with a query to find out if I had to arrange the plumber, etc., and they told me that they couldn't answer my question without a claim being made - so I did one. When the flood was eventually sorted out, I had to add a few damaged items, but was told that I had to raise a separate claim, which I did. It was all sorted out and I thought it was fine.

    Then, a few months later, another part of my water system decided to burst and so I raised a further claim. I thought that this many claims would make my premium go sky-high, but I never once thought I wouldn't get cover at all. None of the claims were for huge amounts - a couple were for just over £100.

    As this third claim was going through, I received a letter from them stating that they were no longer prepared to cover my house and contents and that I had to make other arrangements. Knowing that mortgages are given based on you having adequate insurances, I scoured through the websites to try and get a quote. I couldn't get one company to cover me. Not one! As you can imagine I was panicking like mad, but the rule over all major insurance companies is, that you cannot claim more than three times in three to five years. If you do, they WILL NOT insure you. Not increase the premiums - just plain refuse to cover you.

    I have kicked myself long and hard about falling into this trap of going for a company that offers to cover everything, but I find it hard to accept that they will then refuse to cover you further without sufficient notice! Why are they not told to confirm this rule when you take out the cover? Why are they not forced to warn you every time you make a claim? If I had know that it would so severely impact my ability to get insurance, I would have probably been much wiser and got some of the work done privately or not at all.

    Fortunately, I finally found a company prepared to cover me - when they asked what additional cover I wanted, I refused all of it - after all, what is the point if it damages your position so much?

    I just want to warn others - when insurance companies advertise that they cover garden furniture, watches, get your locks changed or for accidental damage to your windows - they all add up to making you impossible to insure.

    I hope this stops anyone else falling into the same trap I did!
  • netdumdum
    Just going to renew my home insurance through Quido.

    Never used before, if I insure with Barclays Quido say they will give £125 per completed application, does this mean if I do seperate building and contents cover they will give me £250 cashback?

    Seems to good to be true.
    • dmheard
    • By dmheard 25th May 07, 10:34 AM
    • 4 Posts
    • 1 Thanks
    Small Broker beats all Martin's suggestions by £110
    Have arranged my Buildings and Contents insurance through Specialist Household Limited, based in Southampton, for many years now and they ALWAYS come out much cheaper than any other quote I've ever had. They are a friendly and helpful broker who are able to ensure all your needs are correctly covered and do all the work for me. After using all of Martin's suggested methods of getting the best quote my renewal premium was £110 less; and that's without any haggling! May be worth giving them a call. 02380 736 266 or
    • redglass
    • By redglass 26th May 07, 7:41 PM
    • 771 Posts
    • 8,839 Thanks
    separate buildings and contents insurance
    [QUOTE=edda;4284010]Yes -it is possible and can sometimes be cheaper.

    There are snags. I was insured with 2 different companies for buildings and contents and I lost the key of my (double-glazed, locked) back door. Locksmiths said it would be very expensive to break in and I would need to claim on my insurance. Buildings insurance insisted the key was a 'content', while the contents insurance people said the door was the essential problem and was part of the building! In the end the key turned up (whew!).
  • Jodie1975
    :confused: Hi Everyone. Very new to this but hopefully I'm in the right place. I've just received my home (buildings and contents) renewal from my current provider (the Halifax) which seems to me to be expensive. They total over £700. The only problem I have is that my house is underpinned and the Halifax are aware of this although we do not live in a high risk area. The way I see it, my house is a lot less likely to fall down than the neighbours!! Anyhow, does anyone know of insurers that are willing to insure underpinned properties and that give reasonable renewals quotes on properties that are underpinned. Any advice would be greatly appreciated. Many thanks!
    Originally posted by sunshineseeker
    I'm on here looking for the same thing. We are with Liverpool Victoria as they are the only company I can find that will insure us. I'm looking for others to get some quotes.
  • sallyarmy
    Insurance Charges on cancellation of policy
    Help, I need some advice. My Mother who is in her seventies has decided to switch her home and contents insurance to another company which is due to begin on the 1st July. Her home contents policy is currently with Norwich Union and she telephone to cancel the policy on 22 May. In order to have insurance cover until her new policy begins she will have to pay premiums that will cover her until 12 July. This is in effect a 7 week period of notice. My Mother has now been informed that she will be charged £35 for administrative fees for cancelling this policy.

    Is this legal?
  • callumella
    Home Insurance
    Hi, Go Easy Its My First Post!!!!!!!!!!.

    Got My Home Ins Renewal 315 Pounds From Nu. Got The Identical Cover From Directline For 225 Pounds + A Years Family Travel Ins + 100 Pounds From Our Friends At Quidco.

    So 125 Pounds In Total For My Years Home And Travel Ins.

    Ha Ha.
    • zzzLazyDaisy
    • By zzzLazyDaisy 6th Jun 07, 10:27 PM
    • 12,134 Posts
    • 18,762 Thanks
    Hi, two questions please....

    1) I am with Direct Line. Just had renewal quote, but it is quite a bit higher than if I go through quidco and do it online. So, is it ok to refuse their postal renewal quote and then go online as a 'new' customer and get cashback through quidco?

    2) The quidco site seems to pay two lots of cash back for the buildings and contents insurance if taken separately. I wish to stay with Direct Line for both, but can I get away with taking two separate policies both with DL but doing each separately to get both lots of cash back?

    Many thanks in advance

    • booklover
    • By booklover 8th Jun 07, 12:07 AM
    • 864 Posts
    • 822 Thanks

    I have just recently started using Quidco and am in the process of trying to find House and Contents Insurance.

    I have had a quote from Direct Line that seems very good. I need to know if it is straightforward to get the cashback from Quidco and is it £100??

    Many thanks in advance

    • bashful
    • By bashful 13th Jun 07, 11:55 AM
    • 76 Posts
    • 15 Thanks
    I'm on here looking for the same thing. We are with Liverpool Victoria as they are the only company I can find that will insure us. I'm looking for others to get some quotes.
    Originally posted by Jodie1975
    Hi there.

    We moved in November 2005 to a bungalow where the porch had been rebuilt. On our Certificate of Structural Adequacy, Crawford say "The damage was the result of minor foundation movement to the porch. The cause was Subsidence of the site due to problems with the drain running underneath the porch."

    The only company we could find for buildings insurance was Axa Insurance so it is worth asking them for a quote. I will try LV when the policy comes up for renewal. Are there any others that will quote?

    Axa has given us a £500 "Subsidence Excess". This all seems very heavy handed bearing in mind that the claim was a one off for damage caused by a leaking pipe which was re-routed away from the property as part of the remedial work. Presumably there is no way that we will ever have a clean bill of health and this incident will be with the bungalow for its lifetime and maybe for the site beyond that?

    A knock on effect of this subsidence issue is with contents insurance believe it or not.

    I used the Money Tips item to get a great deal with Barclays whereby they quoted £119.88 on a like-for-like against my renewal quote from Budget. As I understand it, I pay them the £119.88 and they then refund the difference (£48.21) plus £50 (a total of £98.21) when I send them the renewal documentation. This means I pay only £21.67 so thank you Martin!

    However, having read the various Insurance threads I was very nervous about any potential problems arising from any future claim (God forbid!) with the subsidence issue and spent a good half hour on the phone to Barclays to make sure they were fully aware of the issues. The Helpliner had various conversations with an underwriter and promises that he has made an appropriate note on my file. Fortunately it made no difference to the quote.

  • istarimoneta
    My brother and I just purchased our first place together in order to get our feet on the property ladder. Our mortgage is with Northern Rock but we chose to take our Buildings & Contents Insurance out with another company, now Northern Rock are charging us £25 administration charge for not taking their this normal practice? Is this legal?????
  • engcbw
    What happens if you have made a claim?
    We have had two expensive mountain bikes stolen in the past 6 months - one was locked up outside a supermarket and the other was taken from a locked garage. I asked TESCO for a quote for contents insurance and they said they wouldnt insure us AT ALL because we have made 2 claims in the past 6 months! Is this a common experience? Any ideas about how we can get some decent insurance?

    Maany thanks

  • new money
    Legal Expenses Cover
    Is it worth taking out the legal expenses cover on home insurance? It seems to add less than 10% to the premium, but is there any point to it?

    Looking forward to your answers. Thanks.
  • antoniomontana
    im looking to take out buildings insurance but just wanted to know 2 things

    1- when you enter details for a quote they ask you how much it'd cost to rebuild your home, any ideas on how you work this out?!!

    2- accidental damage seems to be only £25 or so more, is it worth adding and is it tough to get these companies to pay up?!
    • rabialiones
    • By rabialiones 24th Jun 07, 9:38 AM
    • 1,864 Posts
    • 233 Thanks
    lightining and tv breakdown/fault
    tv engineer recently came to repair tv, said its not repairable, as he could not find fault with it, he was extremely baffled as to how fault had occurred. said it looked like it happened during thunderstorm, lightining .
    would my buildings cover this as it does have a clause in booklet
    Nice to save.
  • Janine Brockway
    Can anyone help me? I am in a housing association house. I had damp come through and ruin all my paintwork in the house from the outside drainage being broken. Eventually after being ill through the damp the housing association rectified the problem, but I lost 15 pairs of shoes and need to redocorate the bedroom,living room and kitchen. I tried to claim thru my house insurance who said outside drainage wasnt covered. The housing association told me that their insurance would pay out. Ive applied and theyve turned me down due to it being outside even though the drainage being broken in 3 corners of my flat was down to the Housing Association. The total they owe me is c.£1500 of damage. Is there anything I can do or anywhere I can get some advice from ? Any help would be gratefully received! Janine x
  • Peterpob
    Another Case - Customer Loyalty Does Not Pay
    Hello Everyone

    I wanted to let you know this, you may even already be aware. Anyway, I was doing a check on my home insurance policy, and fishing around on the internet for a cheaper option. My annual cost is £388, this did include a number additional items covered. I have been with Tesco since September 2003, also I have never made any claims on my policy.
    It was fairly easy enough to find another company which could offer the same type of cover I needed. The average was ranging from £220 up to £280. However, I decided to go into Tesco’ web site and go through the process for a quote. I was astounded to find that I could get the same identical cover for a cost of £239.40. I called the customer services to try and get someone to explain why my policy was costing £149 more than the quote I was given on the website. It was explained to me that this is a promotional offer for new customers. I did ask if I could get this changed, their answer to me was very simple, close off your current policy (Which a fee is charged), and start a new policy. Ok, so this sounds fair enough, but this so called promotion seems to be on going, as it was in place when I first started back in 2003.
    I also asked why they do not inform their current customers who have been with them for a while, as they may well be in the same situation as me, a yearly increase to its current customers, while new customers get a 30% plus discount.
    A simple message really. Anyone who has Tesco home insurance, which has been going for a couple of years or more, should go back to the website and get a new quote, they may be surprised what they find.
    Last edited by Peterpob; 30-06-2007 at 12:25 PM. Reason: put tital in
    • Crouching Hippo
    • By Crouching Hippo 3rd Jul 07, 4:35 PM
    • 45 Posts
    • 8 Thanks
    Crouching Hippo
    Buildings & Contents & Quidco
    After reading all the stuff about Quidco, I thought I would drop a line on here for a bit of advice really.

    Just got my renewal quote through for £396 for buildings and contents and used the comparison websites for a new quote and have come up with the Post Office (who oddly enough came up trumps for my car insurance in March this year) with a reduced premium of £186. I've checked all the details and this policy would actually cover me for more than the previous policy at the higher renewal price! Result indeed...

    So I was then looking at this forum and noticed all the stuff about cashback and Quidco, so I joined and I can link to the Post Office website and retrieve my quote from there.

    Does this mean I would get some cashback if I went through this route?

    Any advice appreciated...
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