Household insurance

[didoatwork]

Please can you advise me - is it easy to change insurance online. I usually walk into an office in town to renew, but wonder if I am paying over the odds for this? All suggestions welcome.
I'm off out now, but will look in later for your replies, many thanks.

[gingejbee]

Yes, very easy. You may want to wait til current insurance is about to expire - or you'll have to cancel it and there may be a penalty (or hefty admin. charge). Then choose your new provider (either price comparison site or get quotes online from Which? recommended companies eg NFU Mutual, M&S, LV, John Lewis insurance or RIAS- if you are over fifty). Pay premium online and it's done.

[hc4361]

Excellent, straight forward guide here
http://www.moneysavin...urance/home-insurance

[hc4361]

I have a large excess because I believe it saves me a lot of money.
a) I don't like claiming for anything under £300 because every claim pushes the future premiums up so a low excess is pointless.
b) I know I have to have insurance for peace of mind and I have to pay it every year (or month). I don't know that I will ever have to claim, so keeping the premiums down makes sense to me.
c) I can afford the excess. If I couldn't I may have a different strategy.
d) I make sure I have adequate cover otherwise insurance is pointless.

This way I know I have good insurance if a plane lands on my roof or my house burns down and keep my costs down to around £120 a year, including accidental damage to my high end tvs and pcs.

[didoatwork]

Thanks very much gingejbee and hc4361. I will give it ago and take note of what you have both said. It is due at end of September so I have time to pick the right insurance for me, hopefully!

[didoatwork]

Just to say thank you again for your help. I have now reduced my insurance (like for like) from over £200 down to £107! What a result!