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Home Insurance

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On 25 Feb 2017 at 10:54am Malling Resident wrote:
Very boring subject I know but I have just received my renewal documents from Tesco Bank and my policy has gone up from £225 to £586. I have not claimed and Customer Service can give me no clues as to why.
Anyone had a similar experience?
Would gratefully receive any advice or recommendations for a new insurer.
Thanks.
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On 25 Feb 2017 at 10:59am Clive wrote:
6 On 31 Dec 2016 at 4:27pm Clive wrote:
Last 3 years I have insured my House and contents with Santander. They have always been the lowest. My premium last year was £240.
Just received my renewal quote which was £560. I phoned Santander who told me it was due to "market forces". They then said that I must have made a claim - which was incorrect. They then said that I must live in a high flood risk area - which is incorrect.
I have gone to another insurer and got a new quote for £225
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On 25 Feb 2017 at 11:03am Clive wrote:
Google CIA Insurance and see what one of their brokers can do - it worked for me. Also, check that your rebuild cost is accurate - don't use the value of your house. (You can access a website to calculate your rebuild cost - suggest you do that first).
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On 25 Feb 2017 at 1:02pm Curious wrote:
I have a 2 bed house. Just renewed with direct line for £145. Their initial renewal was £200 but I phoned and said I had lower quotes from other companies.
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On 25 Feb 2017 at 1:16pm Malling Resident wrote:
Thank you for taking the time to reply Clive, I will certainly look at those suggestions.
 
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On 25 Feb 2017 at 2:20pm Sjep76 wrote:
This also happened with me with Tesco bank. I went through a comparison site and got a better policy for a 3rd of the price but still with Tescos.
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On 25 Feb 2017 at 2:56pm Wallander wrote:
The Mrs is excellent at this game. They send us a new high quote. She says "thanks very much, we are going elsewhere, "they bring it down to match. It's a shame as it rips a lot of old folks off who don't know how it works these days.
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On 25 Feb 2017 at 2:59pm Fairmeadow wrote:
I think this happens with pretty well every company. Stay more than a couple of years and they put you in the "mug" category and start to jack up the rates. Happened to me first with Halifax and then the highly-rated NFU mutual. The only option is to change. Awkward, actually, as if you then get something expensive like subsidence expect arguments between companies about when it actually happened. I have been with Direct Line for the past couple of years, and so far so good. Mind you, the only real test is what happens if you ever need to claim.
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On 25 Feb 2017 at 7:41pm @sjep wrote:
That's actually illegal, the policy must have been different. Costs across comparison engines, agents and direct have to be identical.
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On 27 Feb 2017 at 2:32pm Tim Ripoff wrote:
"Brand new customers only"
You will only keep your insurance costs down - car, home etc - if you go online and get fresh quotes every year. All insurance companies bump it up year 2.
I check all of mine every year, including pet insurance. And I always get at least an equal deal. These last two years I have seen price decreases on car insurance and home insurance.
Tim Ripoff

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On 28 Feb 2017 at 8:40am Belladonna wrote:
I used a price comparison site and ended up with a Bristol broker who has been fantastic in keeping quotes down. I can highly recommend them, especially if you are in flood zone (as we are) or listed/conservation area building.
Google RK Shipman
 
 
On 1 Mar 2017 at 3:40am Lewesjudo wrote:
The only progressive tax to increase steadily is insurance tax, you will find all your insurances will increase. I had claimed on my insurance and got a massive price hike from Tesco. I went to a price comparison site and direct line and got a cheaper deal. I went back to Tesco who looked at another underwriter for my house and have ended up with a better package and paying less than I did last year despite the tax hike and previous claim
 
 
On 4 Jan 2018 at 11:00am Danny Spastics wrote:
Innovative insurance is built on customer service.the company has a tie-up with different other firms, insurance agents have years of experience and they will provide you with the personal attention you deserve.

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