home insurance
 

can anyone point me in the rite direction for cheap home insurance?
cheapest sofar CHURCHILL "oh yes"

Re: home insurance
 

Hi Daz. i changed to e-home this year. Was with Barclays before, but e-home was about a third of the price.

http://www.ehomeinsurance.co.uk/

Re: home insurance
 

interesting stuff - i just auto-renew mine with NU / Aviva each year, gonna look round this time though, i reckon i'm being ripped off.

I assume confused.com will help me on my merry way.
"and the rebuilding cost is £3.50 and a bag of chips !!"

Re: home insurance
 

Both my son and I use e-home. good policy price, but as I have never had a home insurance claim in 25 years of house ownership I cannot say if the proof of the pudding is there for any company

Re: home insurance
 

Probably wise to shop around each year. It appears to be standard practice to offer 'introductory' rates, which are then hiked at renewal time :(

Re: home insurance
 

Daz

I am with Churchill and they are great, only thing you have to do is do a quote online with them every year to get it down, their renewals are stupid money but they match ya online quote no worries.

I just looked for house insurance for my Mum and couldnt beat Churchill, their basic cover has just gone up too.

Re: home insurance
 

Direct line just offered me buildings and contents for £200 - over £100 cheaper than my renewal. However, I shall use that quote for leverage, no way would I use direct line - they insist on using their own cowboys for any repairs.

Re: home insurance
 

Direct Line ripped an ex off on a car claim once, gave him half what it was worth and were generally horrid ! Stay clear of them rob dogs !!

Re: home insurance
 

I`m with these people http://www.nashwarren.co.uk/household/index.shtm I got a quote from ehomeinsurance last week and they wanted £28 more than nashwaren. I also tried churchill and they wanted nearly £50 more

Re: home insurance
 

ive had a quote of about £140 lowest, thats without any frills, hows that sound?

Re: home insurance
 

I got Royal SunAlliance, pretty cheap and decent cover. Even better with my 42% discount :-D

Re: home insurance
 

Just had a quote from esure for the mother in law, some 70 quid cheaper than direct line :o.

Can't offer advice based on experience... our house fell in a hole 20 years ago, so I'm stuck with Zurich as the cheapo's want even look at it

Re: home insurance
 

Extremely cheap.. maybe a bit too cheap? is that for both building and contents insurance? if so what amount of cover do you have on contents etc. and is that for accidental damage as well? is it new for old?

Re: home insurance
 

Scary to hear the bad reports about Direct Line as I am with them for both car and home! :eek: They were cheapest by miles for my house...

Re: home insurance
 

If you're buying online then save yourself some more cash by signing up with a cashback site as well. We got our cover this year with swiftcover and got £75 back in cash using topcashback.

Re: home insurance
 

Direct Line were very helpful when I claimed for bike kit on contents policy. Paid up no bother.

Re: home insurance
 

Cheers Mike - good to hear :)

Re: home insurance
 

I'll have a look on our database who we regards the lowest quoters Daz and will PM you.

Re: home insurance
 

its with churchill, 55,000 contents cover new for old with not accidental damage and standard buildings.

Re: home insurance
 

cheers matey.

Re: home insurance
 

The amount is going to depend on what and where.

Have you tried the on-line comparison sites like confused.com? Usually a good starting point to get a feel for the range of quotes.

Re: home insurance
 

direct line and churchill are both part of the RBS group..god knows how long for.

Re: home insurance
 

Directline for me. Also gives us a bit of a discount off our car insurance IIRC. Very good in the event of a claim too. Don't bother with their homecare though; it's gash. British Gas' is much better.

"Well seeing as this waterleak isn't actually causing significant damage to your house right this second and only would if you left it for a few days, we don't deem it an emergency as such, so it doesn't fall under the scope of the agreement."

"Right, well I see why you're upset, your mains keeps tripping out and this has twice caused the contents of your fridge and freezer to spoil whilst you were away. Unfortunately, unless you know what's causing it, we can't send an electrician. Yes I know you need an electrician to diagnose this, but you'll have to pay for one yourself."

"Yes, we can repair your kitchen light, but rather than replace it with a fluoro tube, we can only replace it with a standard bulb. Unless you want to pay the difference."

All 3 examples are from my personal experiences with them. You literally cannot get these ****ers out no matter what goes wrong. At least, not without paying for the privilige, which sort of defeats the point of these sort of insurance policy services (if you were prepared to pay you could just pay for a 24hr electrician/plumber/whatever when things failed).

Re: home insurance
 

Directline just sent me a renewal notice for £475!! Confused.com brought up several quotes cheaper, two of them with Privilege who are underwritten by Directline!

One phone call later and Directline have matched the policy and premium from Privilege! Nearly £200 saved from a brief call.

Re: home insurance
 

i rent so I only need contents cover. Im with AA and only pay £6 a month for £25000 contents cover including accidental damage. Have claimed a few times when I was with Lloyds and they were great, very prompt at paying up etc

Re: home insurance
 

just renewed @ £140 with Churchill, no accidental damage or any frills just buildings up to 300k and contence up to 50k this is there standard cover, £200 xs.