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14 Nov 19, 09:39 AM |
#1
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Imagineer
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Building and contents insurance.
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?
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Edited at 09:40 AM. |
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14 Nov 19, 09:49 AM |
#2
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Imagineer
Join Date: Sep 06
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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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14 Nov 19, 09:57 AM |
#3
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Imagineer
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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.
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2004 - 2014 WDW 2016 - 2019 WDW |
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14 Nov 19, 10:17 AM |
#4
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Imagineer
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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.
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Helen |
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14 Nov 19, 11:47 AM |
#5
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Apprentice Imagineer
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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.
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14 Nov 19, 12:20 PM |
#6
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Imagineer
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£85 a year for a 2 bed 100 year old terrace. We're in Warrington
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Mitch xx |
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14 Nov 19, 12:36 PM |
#7
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Imagineer
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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
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Elaine |
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14 Nov 19, 02:23 PM |
#8
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Imagineer
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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.
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July '17 - Sunset Lakes, Aug '15 - Windsor Hills, Aug 13- Highlands Reserve,Aug '11 -Windsor Hills Oct '09 - Sunset Lakes,May '08 - Lindfields,April '07 - Florida pines,April '05 - Florida Pines,July 1997 - Quality Inn Plaza,I Drive. May 96 - International Drive |
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14 Nov 19, 02:32 PM |
#9
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Imagineer
Join Date: Jul 14
Location: The Tiki Room.
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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.
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"PAGING MR MORROW, MR TOM MORROW..." ''I drink Wine and know things'' DVC Owners at SSR since 2003. Multiple annual visits to America since 1976 Edited at 02:34 PM. |
14 Nov 19, 02:39 PM |
#10
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Guest
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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 |
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