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  • FIRST POST
    • 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
    here)



    Last edited by Former MSE Wendy; 06-02-2007 at 6:42 PM.
Page 2
  • simmonds
    think about us poor people that are stuck paying our buildings insurance through our leasehold.
    i live in a 2 bedroom masionette, our buildings insurance yearly bill is extortionate! each household has to pay around 450 a year. we have just recieved this years bill for 476.00. on our street there are 46 maisonettes paying this sum. someones winning somewhere!!
    • hamario
    • By hamario 3rd Mar 07, 9:36 PM
    • 38 Posts
    • 1 Thanks
    hamario
    Quick question:

    I received the renewal quote for my builings insurance from Churchills for 260.....I've turned this down because I feel it's too much. Can I buy the same cover from Churchills again through their website (but for 70 cheaper), or will they stop me from doing this?

    thanks!
  • jeeman
    I've done the same thing - my contents insurance from Barclays was 77 and I got 125 cash back through Quidco! Well worth doing. When your docs come through, your old insurer will probably try to better the quote to stop you cancelling - take this back to the new insurer and get the premium reduced even further. This won't affect your Quidco payment.
    by LouiseF
    Quick question for people who have gone with Barclays for Home Insurance through Quidco, i have just gone to Barclays through Quidco for Contents and Buildings insurance separately (so hopefully 2 x 125) but the transactions are not showing, how long did it take for yours to appear in your "tracked" list?

    Thanks
  • northshore
    What "georgeone" says seems to make sense, BUT, I would like to see what he thinks of the total BODGERY performed by an "approved " builder appointed by Cunningham Lindsey, the loss adjusters for Norwich Insurance, on a neighbours house.
    You would be appalled at the way they did the general repairs following a genuine subsidence. The specialist foundation contractor was fine, but the approved builders were incompetent, lazy, and skimped on the schedule wherever they thought they could get away with it. The managers just fudged the issue, because they were all in it together, and thought the customers were stupid.
    Example; banging a 4" square chock of wood under a floor beam onto the underfloor earth to bring the floor to level it, instead of using the approved method. Or how about when they applied the epoxy cement grout into the 1" wall cracks, but only smeared it on the surface and quickly plastered over it.
    Anyone want to see the videos? If you don't believe.
    Just because they are "approved" does not mean they are good builders, and it can give a false sense of security.
  • saverslave
    Direct Line
    I have just received my Direct Line house and contents renewal....374.85. Thought that was a bit steep so went on to DL's web site and got a new quote for exactly the same cover.....203.70. Called them and was told to cancel original policy and take out new one online. Just saved myself 150. How many people would just accept the renewal amount??
    • elektra
    • By elektra 6th Mar 07, 12:31 PM
    • 1,325 Posts
    • 808 Thanks
    elektra
    Jeeman - I took my Barclays out last Thursday or Friday and it tracked by Monday.
  • maggiet4
    Buildings Insurance
    Hi Could anypne help me on this I live in a flat insurance through factor which is 5 times more expensive than I could get direct myself. Factor's say I cannot change could anyone give me advice on this?
  • joecorreia
    does anyone know if insure.co.uk is a reputable firm for home insurance.the reason i ask is bcoz the quote from them was the lowest and they registered with the fsa only in 2005.the quotes i had were from 340-900
  • dsouter
    mr d
    hello i've just bought building and home contents accidental and loss of keys insurance from halifax i'm paying 500 a year is there anywhere cheaper i could buy
  • dsouter
    home insurance
    can anyone help me i took out building and contents and accidental insurance i pay 500 a year is there anywhere cheaper and who are covered by the fsa
  • raizen
    Hi, I have home contents insurance. The circuit board, on my central heating boiler, needs replaced and it's going to cost a lot. How can I make a claim on my insurance company? I know how sneaky they can be.
    • mrnomoneybags
    • By mrnomoneybags 21st Mar 07, 9:09 AM
    • 566 Posts
    • 78 Thanks
    mrnomoneybags
    Even with the 50% discount its still more than im paying with abby, for much less cover too.
  • oily boots
    home insurance renewal
    Although always using moneysavingexpert.com first time to chat.

    Our contents/buildings insurance is due for renewal soon. Changed to Halifax last year via moneysupermarket - not the cheapest but mortgage with them as well and saved 250.00 in process.

    This year they want 235.24 but online for same cover 161.61. So we phoned them and they said "How did you manage to get such a cheap quote, as an existing customer you should have been barred". Surely this is unlawful - Unfair Competition or Unfair Terms.

    The best their customer service person could offer was 197.55.

    So shoiuld we stop existing policy on last day and take out new policy with same company but for 73.63 less OR change provider out of disgust and save even more OR go for option 1 and report Halifax to OFT/FSA and see what their own senior management think?
    • FlameCloud
    • By FlameCloud 21st Mar 07, 8:51 PM
    • 1,867 Posts
    • 920 Thanks
    FlameCloud
    What "georgeone" says seems to make sense, BUT, I would like to see what he thinks of the total BODGERY performed by an "approved " builder appointed by Cunningham Lindsey, the loss adjusters for Norwich Insurance, on a neighbours house.
    You would be appalled at the way they did the general repairs following a genuine subsidence. The specialist foundation contractor was fine, but the approved builders were incompetent, lazy, and skimped on the schedule wherever they thought they could get away with it. The managers just fudged the issue, because they were all in it together, and thought the customers were stupid.
    Originally posted by northshore
    Then tell the Insurance company about it! Seriously, we do not get enough complaints from customers about builders, and we cannot do anything about them until people tell us. Cunninghams arnt just Norwich Unions LA's either, there a general overflow provider for alot of companies.



    Hi, I have home contents insurance. The circuit board, on my central heating boiler, needs replaced and it's going to cost a lot. How can I make a claim on my insurance company? I know how sneaky they can be.
    I work for and insurance company as part of their technical claims team, and to be honest even without looking at your policy properly, I doubt it.

    You would have to argue that the boiler is a content in the first place (its a buildings item, as it is a fixed water installation, in the same way bathroom suites are buildings)

    You would then have to prove that the damage was as a result of an operating cause- i.e. it is one of the list of perils. Given that they are normally Storm, Fire, AD, Escape of water/Oil.

    A buildings/contents policy generally covers damage from outside sources (in very broad terms) and NOT wear and tear, which is what this is. Nothing sneaky about it at all, as you have not paid for that sort of cover.
    • FlameCloud
    • By FlameCloud 21st Mar 07, 8:56 PM
    • 1,867 Posts
    • 920 Thanks
    FlameCloud
    can anyone help me i took out building and contents and accidental insurance i pay 500 a year is there anywhere cheaper and who are covered by the fsa
    Originally posted by dsouter
    All insurers should be covered by the FSA, it is not a option!
  • zuber
    hi guys, ive just got my home & contents renewl today from Norwich Union 236.49, did the usual thing ringing around but no joy got mse newsletter today & saw martins recomendation for Tesco insurance & decided to give it a try & hey presto..got a like for like quote for 181.65 saving me 54.84.....so a big thanks to MSE
    cheers guys.
  • zuber
    hi guys, ive just got my home & contents renewl today from Norwich Union 236.49, did the usual thing ringing around but no joy got mse newsletter today & saw martins recomendation for Tesco insurance & decided to give it a try & hey presto..got a like for like quote for 181.65 saving me 54.84.....so a big thanks to MSE
    cheers guys.
  • zuber
    back again guy's on this section a lot of people keep mentioning quidco can someone please explain what this is
    thanks in advance
  • ginger_nuts
    back again guy's on this section a lot of people keep mentioning quidco can someone please explain what this is
    thanks in advance
    Originally posted by zuber
    www.quidco.com
    Simply put ,buy items or sevices via www.quidco.com and you receive cash back .
    • blackcateddie
    • By blackcateddie 22nd Mar 07, 2:47 PM
    • 357 Posts
    • 206 Thanks
    blackcateddie
    Hi there, our buildings and contents was due for renewal in Feb and TEsco were the cheapest at £357 - just read Martin's newsletter and call up to see what the cancellation charge would be. At the moment Tesco are suppossed to be offering 50% off home insurance!!!! On line quote like for like was £288.
    so I would question if they really are offering 50% off.

    Anyway, because I was taking out a new policy they agreed not to charge me anything but pro rata my money back from the first policy and then I took the other one out via the internet.

    Saved £69 for my insurance and got two extra months cover free!

    I love this site.
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