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Recommendations for Home insurance

Discussion in 'General Chat' started by stevegreen, Jul 25, 2005.

  1. stevegreen

    stevegreen
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    I'm after some recommendations for home insurance, both buildings and contents.

    The main thing is that I want to be able to pay monthly without incurring any penalties (ie paying interest)

    I have so far tried two sites Esure and Direct Line and both of them charge for paying monthly. This annoys me as the initial cost to them for insurance is about ermmmmmmmm nil! They only incur a cost if i claim!

    Does anyone know of a reasonable insurer who want to attract customers by not charging for monthly payments?
     
  2. Dr Diversity

    Dr Diversity
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    Norwich Union. Get a quote then ask for further discounts. Very good service, never claimed on the house but were excellent when I claimed on the car policy. Recommended *****
     
  3. GaryB

    GaryB
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    I use Cornhill Direct for both. No surcharges and good prices.

    I've never claimed on the policy so I don't know what their claim service is like.
     
  4. stealther

    stealther
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    Abbi were great when I made a claim they put me in touch with Specialists and I was able to chose exactly what I wanted as the policy is unlimited new for old replacements.

    We pay monthly cant remember if there is a % for this. Just renewed however I got some much cheaper quotes from other firms but on examining the small print the level of cover and services just didnt measure up. So we stayed where we are!

    Good Luck With the Search
     
  5. marck

    marck
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    You should try MoreThan and Elephant.co.uk.

    With each of them best bet is to be using a credit card which has 0% interest for say 9-12 months (Halifax or Natwest are currently doing offers) and pay that off monthly by setting up a direct debit.


    That way you get the best deal with insurance companies (they normally offer discount when paying in full) and you pay no interest :)

    Rgds
    Marc.
     
  6. stevegreen

    stevegreen
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    Thanks for the replies, i'll have a good look round :smashin:
     
  7. stealther

    stealther
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    Good one marck.
    Steve this sounds like agood idea mate as you have just moved there might be a number of things your setting up at the moment that you could pay in one go and then pay of over the year.
     
  8. marck

    marck
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    I always do this for all my insurance policies - car insurance is one of the best - you can save upto around 30%!!
     
  9. Astaroth

    Astaroth
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    Halifax does interest free monthly installments but works on the number of bedrooms you have rather than a set total value for your contents - can workout well but depends.

    I see http://www.privilege.com are offering interest free on car insurance so Home may also be - given that they are part of the stable of RBS Insurance then the other brands (Direct Line, Churchill, Tesco to name a few) may also be doing this
     
  10. Peridot

    Peridot
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    I share your frustration at the charges for monthly payments.

    AA insurance do charge a high 'interest rate' for monthly payments. However if you do car and contents insurance withthem you get a high discount (50% IIRC) on buildings. If you have an older house with high buildings insurance cost this may be worth considering.
     

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