There was a mention about home insurance being a solid,basic prep.Mine is due now.Just done an online quote.1 million quid buildings cover,£100,000 contents.£138 quid for the year! And a good name d compsny,Legal and General.
Probably the best prep to start with.
Home insurance
Home insurance
In three words I can sum up everything I have learned about life: It goes on.
Robert Frost.
Covid 19: After that level of weirdness ,any situation is certainly possible.
Me.
Robert Frost.
Covid 19: After that level of weirdness ,any situation is certainly possible.
Me.
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Yorkshire Andy
- Posts: 9073
- Joined: Thu Oct 03, 2013 4:06 pm
Re: Home insurance
Yep and the ring round every year getting a few quotes... No rewards for been loyal these days..
And remember the comparison sites front end load the price for their referral commission.... ( Which is why meercats will "refuse to quote" "ABC insurance" if confused.com has already given you a price .....
From a friend who works in insurance don't lie about things like are you or any member of the household a smoker... As in the event of a fire and the brigade report says caused by smoking material your deepbin the poo
And remember the comparison sites front end load the price for their referral commission.... ( Which is why meercats will "refuse to quote" "ABC insurance" if confused.com has already given you a price .....
From a friend who works in insurance don't lie about things like are you or any member of the household a smoker... As in the event of a fire and the brigade report says caused by smoking material your deepbin the poo
If your roughing it, Your doing it wrong 
Lack of planning on your part doesn't make it an emergency on mine
Lack of planning on your part doesn't make it an emergency on mine
Re: Home insurance
Houses and pets, 2 sort of insurance I''ll be keeping up.
Re: Home insurance
My home insurance was expensive for ages, because not only did I have a home office, I also had clients callng at the house. The drop in the quote when I'd retired was great 
ETA - we were talking recently about people with criminal records being into preparedness, a new member's situation? Home insurance is awful, potentially - it can be three or four times the price, nothing to do with whatever the conviction's for
ETA - we were talking recently about people with criminal records being into preparedness, a new member's situation? Home insurance is awful, potentially - it can be three or four times the price, nothing to do with whatever the conviction's for
Re: Home insurance
?????jansman wrote: ↑Wed Sep 05, 2018 6:59 pm There was a mention about home insurance being a solid,basic prep.Mine is due now.Just done an online quote.1 million quid buildings cover,£100,000 contents.£138 quid for the year! And a good name d compsny,Legal and General.
Probably the best prep to start with.
I haven't got the most recent cost to hand but I know that in 2014 I was paying >£800 for buildings/contents insurance for the year - house value is only up to 140k (that's purchase, not rebuild) and I think the contents was only about £25k !!!
Mine is next due in Jan - I think I'll be doing some serious shopping around!!
Re: Home insurance
Wow, just threw a quote in & buildings/contents cover up to £1.5m/£150k comes in at just £274/yr for me - just checked my insurance DD & it's currently £74/month! :-O
Methinks I'll be calling them tomorrow to find the cancellation impact - even if I just cancelled with no refund of remainder I'd still end up with a way better value policy! :-O
Methinks I'll be calling them tomorrow to find the cancellation impact - even if I just cancelled with no refund of remainder I'd still end up with a way better value policy! :-O
Re: Home insurance
All the insurances are worth checking out, so is the AA/RAC/Green thingy if you do that too. Even if you just have an argy bargy with your provider you will save a fortune. Same with Sky if you deal with them, they will go down to 50% if you hold out. Not an urban myth I've done it for a few years.peejay wrote: ↑Wed Sep 05, 2018 9:53 pm Wow, just threw a quote in & buildings/contents cover up to £1.5m/£150k comes in at just £274/yr for me - just checked my insurance DD & it's currently £74/month! :-O
Methinks I'll be calling them tomorrow to find the cancellation impact - even if I just cancelled with no refund of remainder I'd still end up with a way better value policy! :-O
Re: Home insurance
Sky put ours up again, and I cancelled it. I was about to install a freesat box, and they called. Offered us the family pack ( £40 or so) for £11 a month! In March, if they put it up, it’s back to freesat!
In three words I can sum up everything I have learned about life: It goes on.
Robert Frost.
Covid 19: After that level of weirdness ,any situation is certainly possible.
Me.
Robert Frost.
Covid 19: After that level of weirdness ,any situation is certainly possible.
Me.
Re: Home insurance
Read the fine, fine print as well.
Fully covered for leaky pipes or so I thought until they came around to survey. Cancelled on the spot, kicked out the surveyor and went with Winston Wolf
Fully covered for leaky pipes or so I thought until they came around to survey. Cancelled on the spot, kicked out the surveyor and went with Winston Wolf
Two is one and one is none, but three is even better.
Re: Home insurance
Ran out of time to phone mine & shout today so just did a quote on confused.com & the cheapest was £145 with 18 other quotes below £200, including my own incumbent quoting £186 !!!!
I'm on a roll now - been too lazy to shop around & haggle with digital services (Sky/Virgin etc.) & have calculated that if I get my finger out I should be able to sort a good £2.5k/year saving! I can certainly find better things to be spending that sort of money on...
I'm on a roll now - been too lazy to shop around & haggle with digital services (Sky/Virgin etc.) & have calculated that if I get my finger out I should be able to sort a good £2.5k/year saving! I can certainly find better things to be spending that sort of money on...