Home insurance quotes

[annedonnelly]

I use Aviva for Building and Contents but don't bother with the Emergency Cover or Legal Cover. Those are the items that represent additional profit for the insurer which you are unlikely to use.

I pay £385 for full cover, new for old, worldwide and, crucially all my bikes. Two years ago I was in a major RTC. Bike, kit, helmet, Wahoo, bar bag, the works were written off. The only things to survive were me and my shoes. I got a full payout for full replacement in two or three weeks. There was no quibbling. £7400. Cash!

My premium increased by £60 the following year so you'll probably find it for less than £385.

Like you I wouldn't touch any of those mickey mouse brands with a barge pole. It's cheap until you claim and then it gets expensive.

I was with Aviva last year but the renewal quote was a huge increase. When I looked they offered only three levels of cover - Gold, Silver & Bronze. Even the Bronze cover was providing cover for stuff I don't have, like thousands of pounds worth of stuff in the garden.

I hope you have better luck with your renewal.

 

[Gunk]

We’ve just changed to Hastings Direct for our buildings insurance and it ended up being around a third of what we were paying via our lender, we paid the mortgage off a couple of years ago so we should have swapped then.

 

[MontyVeda]

Just had a look at the insurance policies offered by my own bank and so far it's by far the simplest and most clear get-a-quote online I've encountered. When i said 'yes' to the dreaded subsidence question, it said if the subsidence is historical and the building has been underpinned, you can go back and select 'no'... which is nice Three levels of insurance offered; bronze, silver and gold at around £20, £26 and £38 a month. Think I'll go for bronze as i don't think i need accidental damage cover

 

[Alex321]

Mine is with Aviva, includes legal cover, home emergencies, pedal cycles (up to £2500 each) and personal belongings (away from the home), and this year was £550 for buildings and contents combined.

We've claimed off them twice in the last few years, once when I had a bad smash on my bike, my fault, causing damage to a car, and the other when we had a leak from the shower causing damage to the ceiling below and the paintwork on the wall below.
Both claims dealt with very well, without fuss or quibble.

 

[presta]

Here might be an appropriate place to park this.

An insurance insider blowing the whistle on companies fiddling their risk calculations to keep premiums competitive, so that it's only a matter of time until a major weather event crashes the insurance industry.

 

[vickster]

We use MBNA owned by Lloyds Bank.

£308 this year which is £20 less than last year.

Same here, with legal cover

 

[SuperGalactian]

The NFU have a very good record around this rural area of paying out. But there's no way I can afford them.

 

[MontyVeda]

The NFU have a very good record around this rural area of paying out. But there's no way I can afford them.

NFU were one of several that stopped my quote at the subsidence hurdle. Mum uses them for car insurance, along with the whole farming side of the family.

 

[SuperGalactian]

NFU were one of several that stopped my quote at the subsidence hurdle. Mum uses them for car insurance, along with the whole farming side of the family.

Well that puzzled me for a while, because I read it as 'subsistence'! But yup, that would worry any insurer (and many householders) especially after the last summer. We have subsidence .

 

[MontyVeda]

Well that puzzled me for a while, because I read it as 'subsistence'! But yup, that would worry any insurer (and many householders) especially after the last summer. We have subsidence .

Well it shouldn't since the subsidence was dealt with in the last century with drainage rerouted, foundations underpinned and subsequently no signs of structural movement in the last 25 years. All they have to do is ask, instead of 'computer says no'.

 

[SuperGalactian]

Well it shouldn't since the subsidence was dealt with in the last century with drainage rerouted, foundations underpinned and subsequently no signs of structural movement in the last 25 years. All they have to do is ask, instead of 'computer says no'.

Yes, I agree. Actually I found it's easier to get through to a human-with-discretionary-decision-making-power with NFU than with other insurers. However, their price is just way too high for me. One is forced to gamble on the economic benefits of a decent but expensive insurer versus an affordable shyster.