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Subject Topic: Buildings and Contents Insurance Post Reply Post New Topic
Personficklejade
08/5/2021 at 11:42pm
 Location: Isle of Mull
 Outfit: 2 x Outwells Kairos 400 Caranex View ficklejade's Profile View Profile   Reply to ficklejade Reply   Quote ficklejade Quote  
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Just had a quote from current insurers and price has gone up by £55 with increase in excess and reduction in cover. I've made no claims and nothing has changed. Has anyone else in the same boat seen similar price hikes?

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" When I die I don`t want my life to flash before me in an instant, I want it to be a 3 hour epic !"


Personseanfdh
08/5/2021 at 11:50pm
 Location: North Devon
 Outfit: Robens Fairbanks Coleman Phad X3 View seanfdh's Profile View Profile   Reply to seanfdh Reply   Quote seanfdh Quote  
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Just get a couple of new quotes. Their business model is built on inertia sales.

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Sean


Personficklejade
09/5/2021 at 2:05pm
 Location: Isle of Mull
 Outfit: 2 x Outwells Kairos 400 Caranex View ficklejade's Profile View Profile   Reply to ficklejade Reply   Quote ficklejade Quote  
Joined: 28/9/2009

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Quote: Originally posted by seanfdh on 08/5/2021
Just get a couple of new quotes. Their business model is built on inertia sales.


I always do shop around and usually change but just never had quite such a price hike from a previous insurer.

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" When I die I don`t want my life to flash before me in an instant, I want it to be a 3 hour epic !"


PersonIna
via mobile 09/5/2021 at 5:41pm
 Location: Lancashire
 Outfit: Coachman 460 VIP; VW Tiguan View Ina's Profile View Profile   Reply to Ina Reply   Quote Ina Quote  
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We got our renewal yesterday; like yours, with increase in compulsory excess, which I don't understand. Haven't gone as far as checking level of cover in detail, that's something for the next couple of days. Ours has "only" gone up by £21, but needless to say, we'll still get other quotes, we never automatically renew.

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Ina


PersonSGThomas
09/5/2021 at 5:53pm
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When our renewal came, it had gone from £259 to £483, plus an increase in excess. As I had not claimed, I queried this.

Immediately, without my asking, they offered to do it for £297!.

Went elsewhere, with a slightly better coverage, for £236.

It would seem that the inertia model just sees how much it can get away with


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PersonMonty8
15/5/2021 at 2:29pm
 Location: Shropshire
 Outfit: None Entered View Monty8's Profile View Profile   Reply to Monty8 Reply   Quote Monty8 Quote  
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Ours has increased also so I got more quotes. Direct Line came out the best with good cover. It also includes all the extras like legal cover, bikes, personal goods, accidental damage, freezer cover, emergency breakdown etc. £229 pa paid annually. Also covers “matching sets” so if a kitchen cupboard can’t be replaced due to old stock they will replace all. Thought this was a very good price. £100 excess. It’s a bit less due to the fact that we have our car insurance with them as well.


PersonIna
via mobile 15/5/2021 at 3:07pm
 Location: Lancashire
 Outfit: Coachman 460 VIP; VW Tiguan View Ina's Profile View Profile   Reply to Ina Reply   Quote Ina Quote  
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We've been with Direct Line in the past, the cover was excellent. But of course, in common with all insurance companies, when it came up for renewal, price had gone up a fair bit. So back to the drawing-board and getting quotes. Haven't tried them yet this time round, just a couple of comparison sites so far.

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Ina


PersonSGThomas
15/5/2021 at 3:34pm
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Quote: Originally posted by Ina on 15/5/2021
We've been with Direct Line in the past, the cover was excellent. But of course, in common with all insurance companies, when it came up for renewal, price had gone up a fair bit. So back to the drawing-board and getting quotes. Haven't tried them yet this time round, just a couple of comparison sites so far.


Once you have some indication from the comparison sites, don't buy through them.
Go direct to the selected companies and you will usually get a far better quote.


Personbilly
via mobile 15/5/2021 at 5:48pm
 Location: North Essex
 Outfit: Caravelair Alba 400 View billy's Profile View Profile   Reply to billy Reply   Quote billy Quote  
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I went from Saga to Nationwide & back to Saga in 3 yrs. Those that do not shop around subsidise those who do. That is how the business model works.

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Every day should be a holiday!


PersonIna
via mobile 16/5/2021 at 12:36pm
 Location: Lancashire
 Outfit: Coachman 460 VIP; VW Tiguan View Ina's Profile View Profile   Reply to Ina Reply   Quote Ina Quote  
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Quote: Originally posted by SGThomas on 15/5/2021
Quote: Originally posted by Ina on 15/5/2021
We've been with Direct Line in the past, the cover was excellent. But of course, in common with all insurance companies, when it came up for renewal, price had gone up a fair bit. So back to the drawing-board and getting quotes. Haven't tried them yet this time round, just a couple of comparison sites so far.


Once you have some indication from the comparison sites, don't buy through them.
Go direct to the selected companies and you will usually get a far better quote.

Thanks Stuart. I also found that out with pet insurance. Went to Tesco in the end, not only cheaper, but at the time also 2500 extra Tesco points 😁 Useful towards a Eurotunnel crossing, or Stena crossing, worth £75 - whenever that may be!


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Ina


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Personficklejade
17/5/2021 at 11:56am
 Location: Isle of Mull
 Outfit: 2 x Outwells Kairos 400 Caranex View ficklejade's Profile View Profile   Reply to ficklejade Reply   Quote ficklejade Quote  
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All sorted now and price reduction but it's taken over a week and cost a fortune in phone calls.

Plus I've had the wonderful (and I thought long sorted) issue of the proximity of my house in distance terms to the sea and a river invoking the extra as liable to flooding with four separate insurers totally ignorant of contour lines and geology!!

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" When I die I don`t want my life to flash before me in an instant, I want it to be a 3 hour epic !"


PersonIna
via mobile 23/5/2021 at 8:19am
 Location: Lancashire
 Outfit: Coachman 460 VIP; VW Tiguan View Ina's Profile View Profile   Reply to Ina Reply   Quote Ina Quote  
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Ours is all sorted too. Did comparisons so we were armed with other quotes, then rang existing insurer. Said we weren't happy with renewal quote, and they dropped it by over £40 (from just over £240), making it cheaper than last year! It's quite a good policy, Admiral Platinum, so we're happy to stay with them after that reduction in price.

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Ina


PersonPixie_Hez
23/5/2021 at 9:01am
 Location: Liverpool
 Outfit: Swift Challenger 560 View Pixie_Hez's Profile View Profile   Reply to Pixie_Hez Reply   Quote Pixie_Hez Quote  
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We have had a very good price from Direct Line for the last few years and then this year, it shot up quite a bit despite never having made a claim. The best price we got this year was from Halifax.

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Pixie


PersonMick S.
23/5/2021 at 6:54pm
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It amazes me how company A can quote you, and then when company B gives a lower quote, company A will then ask what it is and tell you they can beat it. I always ask why they quoted higher to start with. Thats usually the end of the conversation.



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