Home contents insurance.

katex · 20-10-2009, 14:21

Have been comparing rates on this as is due for renewal on Friday.

Current insurer .. Direct Line came out at £220.50 (with direct debit £242.55).
On ringing, and hinting was looking around .. they gave me 40% discount !!

Have just changed car insurance due to much better rate from them, (Saga) and did ask for a contents quote at the same time, as you get £30 discount for asking... £53.93 !!! Promise you all the same cover. Excess the same.

Talk about confused.com. Went on this site too .. lives up to its name .. the range from minimum to maximum quotes was ginormous.

Ok .. what are people paying ? No need for any type of 'All Risks' .. no one item worth over £1,000. £50,000 cover and Family Legal cover

Had to laugh, whilst entering details on confused.com .. it flicked me back to a page stating that 'you cannot be a Mrs. if you are divorced .. Uh ? Course I can ... hate Ms.

MargaretR · 20-10-2009, 14:38

I have recently renewed contents insurance - Direct Line £27.30 for a year!!!!
I suspect that your quote is property and contents, and with more rooms than me, contents element will be more too.
When I renewed, Direct Line were offering 50% discount to new customers, so I switched to them from Co-op.(who wanted about £57 on renewal)

katex · 20-10-2009, 14:50

Quote:

Originally Posted by MargaretR

I have recently renewed contents insurance - Direct Line £27.30 for a year!!!!
I suspect that your quote is property and contents, and with more rooms than me, contents element will be more too.
When I renewed, Direct Line were offering 50% discount to new customers, so I switched to them from Co-op.(who wanted about £57 on renewal)

Thanks Margaret ... well yes, 3-bedroomed semi. No, building is not included !! Still running with Building Society although mortgage now complete, but Buildings Insurance still running until December.

Problem is that insurance companies can only be judged on how good they are if you have a claim, and no experience on this for years. Must admit Direct Line were extremely responsive for claims on my Motor Insurance.

Perhaps I should ask if anyone is paying a lower premium for similar cover and have had good service on a claim .. ?

***Mr D*** · 20-10-2009, 14:52

My Specialaty (SP)

Main thing IMO is Cover, the price may be cheap just make sure its at least new for old cover, Check the Excess, and make sure the limits are ok.

Also make sure there are no crafty endorsements with regards to security usually they will insist on 5 leaver Mortace deadlocks. (Ok if you have it).

Both of them prices you & Margaret have quoted are cheap.

I Pay around £110.00 for contents only, But I have additional covers, like Legal Cover & Key Cover.

MargaretR · 20-10-2009, 14:53

You will get a better rate for buildings and contents combined.
I got a refund on buildings insurance when I sold my home, so that may well be a way to reduce costs

katex · 20-10-2009, 14:57

Quote:

Originally Posted by ***Mr D***

Main thing IMO is Cover, the price may be cheap just make sure its at least new for old cover, Check the Excess, and make sure the limits are ok.

Also make sure there are no crafty endorsements with regards to security usually they will insist on 5 leaver Mortace deadlocks. (Ok if you have it).

Both of them prices you & Margaret have quoted are cheap.

I Pay around £110.00 for contents only, But I have additional covers, like Legal Cover & Key Cover.

Well, have asked like for like and went through it twice with the Saga lad.
Consume.com (on line)... asked about the locks ... hey ... I am a woman .. hadn't a clue.

Will do some more ringing .. I find it better sometimes, as can ask these questions .. ta.

MargaretR · 20-10-2009, 15:04

Quote:

Originally Posted by katex

Well, have asked like for like and went through it twice with the Saga lad.
Consume.com (on line)... asked about the locks ... hey ... I am a woman .. hadn't a clue.

Will do some more ringing .. I find it better sometimes, as can ask these questions .. ta.

Locks! - I have changed them many times

- mortice means inset into the door ie not Yale which are surface mounted.
The higher the number of levers makes them harder to pick.
Most show how many engraved on the plate for you to see.

katex · 20-10-2009, 15:16

Quote:

Originally Posted by MargaretR

Locks! - I have changed them many times

- mortice means inset into the door ie not Yale which are surface mounted.
The higher the number of levers makes them harder to pick.
Most show how many engraved on the plate for you to see.

Thought you might take offence at the 'woman' remark .. know you are very enterprising ...

Well, they are not Yale ... those blooming ones where you have to lift up the handle for the key to turn ... are the levers the ones that can be seen on the width ? Is this the 5-mortice thingy ? The're a blooming pain .. if the door gets out of line ... can't shut it ... do have problems at times.

***Mr D*** · 20-10-2009, 15:26

Quote:

Originally Posted by katex

Well, have asked like for like and went through it twice with the Saga lad.
Consume.com (on line)... asked about the locks ... hey ... I am a woman .. hadn't a clue.

Will do some more ringing .. I find it better sometimes, as can ask these questions .. ta.

I would forget about consume.com just asking for trouble IMO as its up to you to quote yourself.

If the saga lad said its like for like then if he has seen the policy it should be like for like. and at that price it sounds good.

Quote:

Originally Posted by MargaretR

Locks! - I have changed them many times

- mortice means inset into the door ie not Yale which are surface mounted.
The higher the number of levers makes them harder to pick.
Most show how many engraved on the plate for you to see.

You do get a discount for combining both policies, and if there is a claim that involves both its easier dealing with one company.

Correct, if you open you door it is normally written on the plate how many leavers it is.

***Mr D*** · 20-10-2009, 15:27

Quote:

Originally Posted by katex

Thought you might take offence at the 'woman' remark .. know you are very enterprising ...

Well, they are not Yale ... those blooming ones where you have to lift up the handle for the key to turn ... are the levers the ones that can be seen on the width ? Is this the 5-mortice thingy ? The're a blooming pain .. if the door gets out of line ... can't shut it ... do have problems at times.

Double glazed door them, that will probably be multi locking, should be fine with that.

katex · 20-10-2009, 15:37

Quote:

Originally Posted by ***Mr D***

Double glazed door them, that will probably be multi locking, should be fine with that.

Ah, thanks Mr D ... yes double glazed ... and patio door at the back.

Had no plate .. that is why then.

MargaretR · 20-10-2009, 15:51

Good advice here-
Cheap Home Insurance: Quickly grab 100+ quotes & cashback...

wadey · 20-10-2009, 21:29

I got them to add the contents insurance to the building insurance for a fiver

jaysay · 21-10-2009, 09:07

My contents insurance is about £8 per month new for old and sum insure is £35,000, that's with Lloyds TSB

MargaretR · 21-10-2009, 09:18

Quote:

Originally Posted by jaysay

My contents insurance is about £8 per month new for old and sum insure is £35,000, that's with Lloyds TSB

My £27annual is £50,000sworth new for old.
Looks like you are being ripped off Jaysay