Quote:
Originally Posted by archiveuk
I'm always amazed at any discussion about Home insurances centres around price.
Believe me it's only when your stood in 2 feet of water that the queston about the quality of cover, excess's, exclusions and even the initial disclousers on the proposal become important.
Example, Is your house in an area liable for flooding and even (for certan insures) is it within 400 meters of a "watercourse"? Did you run a check on the Enviorment Agency website to confirm? see:
Environment Agency - Understanding the maps
Have you changed occupation, or has anyone else moved in to the home? and if so have you informed you insurance provider? All these factors can effect a claim.
When do you use an Independent claims assessor? These work for you for a percentage of the claim, unlike the insurance compaies assesor who work to reduce or refute the claim.
How do I know? i'm a Financial Adviser with 30 years experience. Ok I deal in a lot more than home Insurance but I do offer it to many satified clients.
Use a Broker, you pay a little bit more but the job should be done right |
I would totally agree, cheapness doesent mean good cover, using a broker also help's you out when things get complicated as they can talk to the company on your behalf and may have a repour with the people at the insurance company.
Remember the FSA (Financial Services Authority) has a saying that insurers must "Treat the customer fairly"
