home insurance

[tiger64]

my home/buildings insurance renewal is �430 with direct line.
Just been looking for new cover and insure is �172, hsbo is �180 privilege is �200 and m&s is �202.
are these good companies to go with, or are they bad when it come to paying out?

[Ethel]

All insurance companies in the UK are regulated by the same body so should all be equally good (or bad) at paying out.

What is important is the level of cover you are getting for your money - are they offering the same cover such as accidental damage; freezer contents; outbuildings..

Make a list of your absolute must have cover and check that the cheapest offers everything you need.

[sandmaster]

All the companies you mentioned are ok, but as Ethel says, make sure that the quotes you have been given provide the same cover. Also make sure that any adverse information you may have given to Direct Line when you took the policy out, has been given to the prospective new insurers (claims history etc). New policies are invariably cheaper as most companies give a new business discount which will disappear next year. Also consider that it can be helpful to have a good history of no claims with the same company over a period of years. In your case though the difference in premiums would indicate a move is desirable.

[chas2008]

my insurance came up for renewal with Tesco,s had a shop around and found it 30-40% cheaper (cant remember exactly who with) went back to Tesco and they matched it 100% .spoke to there policy retention dept !!
As Direct line are part of the same group as Tescos you might find they may do the same..

[tiger64]

thankyou 4 all your help i think i wiil change, but will check it all again. thanks again

[LCDMAN]

You should get a quote from More Th>n as they offer "free" contents cover up to �75000.

To save even more, register with Quidco (www.quidco.com) and get money back when you take out a policy. They have deals with lots of different insurers;
http://www.quidco.com/finance/general-insuranc e/

Certainly worth it.

[munchie63]

post office also offer quotes for home insurance, going through over a dozen providers, inc Axa and Norwich Union.

There's a �50 cashback offer on too, if you quote the code:


0051047

freephone numbers 0800169 6500

[x31tna]

i work for halifax home insurance and they always have deals on for new customers and good coverage too.

the previous answer was good tho....if you ring you direct line and tell them that you have been shopping around they will probably try and give you some discount so they can save you as a customer...thats what they do at hbos anyway!!