DIYbanter - View Single Post - House insurance

Tim Watts[_3_]

On 29/05/15 22:43, Sam Plusnet wrote:
In article ,
says...

On 29/05/2015 17:31, alan_m wrote:

Last year my insurance for £1million building and £50,000 contents was
£130. This week the renewal quote dropped through my letter box - £148
or an increase of around 14% if I chose to accept it.

And quickly checking the renewal quote again the excess amount has been
raised so its 14% more cash for less of a risk for them. The renewal
cost is NOT a like for like quote with last years policy

And that's the problem with trawling the comparison sites.

You get a boat-load of 'quotes' but each & every one of them has its own
fine print, exclusion clauses, excesses - which might never seem
important until you have to make a claim.

Never assume that all the details you gave to the comparison site were
faithfully transmitted to the insurers & that the insurers took them
into account when creating a quote.

This is true, but Compare The Market does at least take you to the
insurer with most of the stuff filled in - it's a fairly simple matter
to go through the insurer's online system and make specific tweaks and
check stuff.

OTOH sometimes the insurer doesn't even understand their own product.

Them: Got any flat roofs?

Me: Yes:

Them: How much, by percentage?

Me: Percentage of what? Plan area or physical surface area? Do I include
or exclude bays?

Them: ???