Building and contents insurance.

[scottishmum]

Roughly how much do you pay and who with please?
We were with Aviva paying £19 Per month combined for nothing ,
They are increasing to £22 a month . Despite no claims.
Hubby has searched and found Halifax coming in at £12 per month. I’m sure that’s so low.

We live in a 3 bed house 14 year old.
Just a rough idea please?

[mickey house]

I can't comment on the cost, but be careful who you go with because it might be cheap for a reason, with limited cover and large excesses. We could get our building and contents cheaper, but we pay more to have a good level of cover.

[disneypars]

I was with LV for last year £200 this year £250. Went on several comparison sites and eventually booked with Tesco bank via Money supermarket for £156 as they had 25% discount. Virtually the same cover (plus clubcard points).
Money saving expert recommends try all the comparison sites plus Aviva and Direct Line.

[Helen J]

I've just renewed mine, it was £276 (£23 per month) for buildings and contents. Halifax was one of the lowest on compare the market, but when I went through to the Halifax website it was a very basic level of cover, when I changed it to the same level of cover as my provider, the price went up to about £400.
I only checked a couple of insurance companies, but they couldn't get anywhere near my renewal price for the same level of cover.

[saffy202]

Have you rang Aviva? I am with Admiral and when I rang to say I wanted to leave as I found cheaper they reduced my premium back down.

[mitch84]

£85 a year for a 2 bed 100 year old terrace. We're in Warrington

[AlexE]

We are with Privilege on their platinum plan and have been for a few years. Can't get the same cover for the same price anywhere. We had a claim in 2017 and the premium didn't change. This year it's less than we have ever paid

[lovedisney]

Originally Posted by mickey house

I can't comment on the cost, but be careful who you go with because it might be cheap for a reason, with limited cover and large excesses. We could get our building and contents cheaper, but we pay more to have a good level of cover.

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Absolutely agree, check what you are covered for you never know when and what you will need it for, make sure you have a really good level of cover.

[Mr Tom Morrow]

The huge increase in costs is when you add on all risks for property outside the house.
For example rings and watches.
Nowadays a lot of people don't appreciate how expensive what they are wearing on their fingers and wrist can be. Plus some companies have a very small limit even if they do offer all risks as standard.
No good having a £2k limit if 3 of the traditional rings Ladies wear are worth £3k plus.

They can and do refuse to cover losses if you are under insured

I pay £519 per annum via M & S for buildings and contents with unlimited cover, accidental damage, new for old and legal expenses. Plus the add on of enhanced all risks. The latter is what bumped it up.

[Guest]

Privilege Platinum house and contents just renewed with them again for £264, had gone up by £2 since last year. Never had to make a claim, the Platinum also includes Family legal protection worth extra £17.

6 bed house, 16 years old detached house, excess is £250