Our insurance with Saga is up for renewal.

This year there is a new endorsement which says that any flat roof must be
inspected at least every 8 years.

Presumably this means that you will need a certificate from a builder or
roofer signed and dated.
Otherwise how do you prove that it was inspected?

While I can see that regular inspection is a good thing (as with all other
aspects of a house) this seems to be yet another item where you will have
to buy a certificate.

I also wonder what liability said builder or roofer would be taking on
when issuing a certificate to say the roof was O.K.

Does anyone currently have to do this, and if so what does it cost?

Cheers

Dave R

On 9 Mar 2013 11:36:26 GMT, David.WE.Roberts wrote:

I also wonder what liability said builder or roofer would be taking on
when issuing a certificate to say the roof was O.K.

Does anyone currently have to do this, and if so what does it cost?

Haven't a clue, are there any "standards" for flat roofs above those of
the Building Regs? As you say is any roofer going to issue a certificate
saying the roof is OK when he hasn't just built it or finished replacing
it?

Ask the insurance company to explain exactly what they want. How long is
left before the insurance runs out? It might be worth saying that you
aren't renewing immediatly as you cannot comply with their conditions
until they provide further information about how to comply and you will
also need reasonable time to comply once the information has been
provided. In the mean time you require that the current insurance remains
in place and covering your property. Do this all in writing, snail mail,
not email, keep copies.

--
Cheers
Dave.

On Sat, 09 Mar 2013 11:36:26 +0000, David.WE.Roberts wrote:

Our insurance with Saga is up for renewal.

This year there is a new endorsement which says that any flat roof must
be inspected at least every 8 years.

Presumably this means that you will need a certificate from a builder or
roofer signed and dated.
Otherwise how do you prove that it was inspected?

While I can see that regular inspection is a good thing (as with all
other aspects of a house) this seems to be yet another item where you
will have to buy a certificate.

I also wonder what liability said builder or roofer would be taking on
when issuing a certificate to say the roof was O.K.

Does anyone currently have to do this, and if so what does it cost?

A couple of years ago a friend was complaining that his insurance co was demanding a certain grade of lock be
fitted before they would renew the insurance; he complained that this would cost ~£150.

I told him it would be cheaper to change the insurance company instead, which he did.

Result: no changing of locks, welcome decrease in premium.

Time to ditch Saga and look elsewhere?


--
Terry Fields

"David.WE.Roberts" wrote:
Our insurance with Saga is up for renewal.

Saga were featured on R4 this morning for issuing renewal quotes up to 5
times the amount quoted for new customer quotes.

Ditch 'em.

Tim

On 09/03/2013 11:36, David.WE.Roberts wrote:
Our insurance with Saga is up for renewal.

Nuff said. I do hope you've tried shopping around a bit; they are
notoriously expensive. Many (all?) insurers rely on customer inertia,
or lack thereof, when it somes to unquestioningly accepting their
renewal premiums. Which, considering they specifically target the
elderly, strikes me as being particularly nefarious.

I got caught out myself when I took out a new home contents policy with
them just after my 50th birthday - they were very good value - but
didn't realise the *******s had signed me up to an auto-renewing policy;
unfortunately I dropped the ball and before I realised and had time to
cancel, I'd already paid a premium about double the previous years.
Will never touch them again with a bargepole.

--
David

On 09/03/2013 13:26, Lobster wrote:
On 09/03/2013 11:36, David.WE.Roberts wrote:
Our insurance with Saga is up for renewal.

Nuff said. I do hope you've tried shopping around a bit; they are
notoriously expensive. Many (all?) insurers rely on customer inertia,
or lack thereof, when it somes to unquestioningly accepting their
renewal premiums. Which, considering they specifically target the
elderly, strikes me as being particularly nefarious.

I got caught out myself when I took out a new home contents policy with
them just after my 50th birthday - they were very good value - but
didn't realise the *******s had signed me up to an auto-renewing policy;
unfortunately I dropped the ball and before I realised and had time to
cancel, I'd already paid a premium about double the previous years. Will
never touch them again with a bargepole.


+1
It's hardly ever beneficial to have the same insurance company two years
running.

On Sat, 09 Mar 2013 13:45:31 +0000, stuart noble wrote:

On 09/03/2013 13:26, Lobster wrote:
On 09/03/2013 11:36, David.WE.Roberts wrote:
Our insurance with Saga is up for renewal.

Nuff said. I do hope you've tried shopping around a bit; they are
notoriously expensive. Many (all?) insurers rely on customer inertia,
or lack thereof, when it somes to unquestioningly accepting their
renewal premiums. Which, considering they specifically target the
elderly, strikes me as being particularly nefarious.

I got caught out myself when I took out a new home contents policy with
them just after my 50th birthday - they were very good value - but
didn't realise the *******s had signed me up to an auto-renewing policy;
unfortunately I dropped the ball and before I realised and had time to
cancel, I'd already paid a premium about double the previous years. Will
never touch them again with a bargepole.


+1
It's hardly ever beneficial to have the same insurance company two years
running.

I left Saga after 1 year - the abstrads wanted about 25% increase. Went to
Age UK for less than the original premium. The first renewal was up a couple
of quid and this year - the second renewal - was down by a couple of quid.
--
Peter.
The gods will stay away
whilst religions hold sway

On 09/03/2013 11:36, David.WE.Roberts wrote:


Does anyone currently have to do this, and if so what does it cost?


Just change insurers and it will cost nothing. You will probably get
cheaper insurance by not being loyal.


--
mailto:news{at}admac(dot}myzen{dot}co{dot}uk

In article ,
stuart noble writes:
On 09/03/2013 13:26, Lobster wrote:
On 09/03/2013 11:36, David.WE.Roberts wrote:
Our insurance with Saga is up for renewal.

Nuff said. I do hope you've tried shopping around a bit; they are
notoriously expensive. Many (all?) insurers rely on customer inertia,
or lack thereof, when it somes to unquestioningly accepting their
renewal premiums. Which, considering they specifically target the
elderly, strikes me as being particularly nefarious.

I got caught out myself when I took out a new home contents policy with
them just after my 50th birthday - they were very good value - but
didn't realise the *******s had signed me up to an auto-renewing policy;
unfortunately I dropped the ball and before I realised and had time to
cancel, I'd already paid a premium about double the previous years. Will
never touch them again with a bargepole.

+1
It's hardly ever beneficial to have the same insurance company two years
running.

Saga have just been ripped to shreds for this on Radio 4 (Moneybox).
Seemingly much worse than other insurance companies at this.
Quoting 5 times rates to 'loyal' customers, which given the nature
of their business, is probably a larger proportion of their customer
base than would be the industry norm.

--
Andrew Gabriel
[email address is not usable -- followup in the newsgroup]

"Lobster" wrote in message
...
On 09/03/2013 11:36, David.WE.Roberts wrote:
Our insurance with Saga is up for renewal.

Nuff said. I do hope you've tried shopping around a bit; they are
notoriously expensive. Many (all?) insurers rely on customer inertia, or
lack thereof, when it somes to unquestioningly accepting their renewal
premiums. Which, considering they specifically target the elderly,
strikes me as being particularly nefarious.

I got caught out myself when I took out a new home contents policy with
them just after my 50th birthday - they were very good value - but didn't
realise the *******s had signed me up to an auto-renewing policy;

They all do this

finding one that doesn't nowadays, is about as likely as a lottery win

tim

On 09/03/2013 11:36, David.WE.Roberts wrote:
Our insurance with Saga is up for renewal.

Before you do that you might want to go and listen to today's Radio 4
Money Box programme and then get some alternative quotes!

http://www.bbc.co.uk/programmes/b01r4yth

This year there is a new endorsement which says that any flat roof must be
inspected at least every 8 years.

Presumably this means that you will need a certificate from a builder or
roofer signed and dated.
Otherwise how do you prove that it was inspected?

While I can see that regular inspection is a good thing (as with all other
aspects of a house) this seems to be yet another item where you will have
to buy a certificate.

I also wonder what liability said builder or roofer would be taking on
when issuing a certificate to say the roof was O.K.

Does anyone currently have to do this, and if so what does it cost?

Cheers

Dave R



--
Regards,
Martin Brown

On Sat, 09 Mar 2013 16:27:10 +0000, Martin Brown wrote:

On 09/03/2013 11:36, David.WE.Roberts wrote:
Our insurance with Saga is up for renewal.

Before you do that you might want to go and listen to today's Radio 4
Money Box programme and then get some alternative quotes!

http://www.bbc.co.uk/programmes/b01r4yth

This year there is a new endorsement which says that any flat roof must
be inspected at least every 8 years.

Presumably this means that you will need a certificate from a builder
or roofer signed and dated.
Otherwise how do you prove that it was inspected?

While I can see that regular inspection is a good thing (as with all
other aspects of a house) this seems to be yet another item where you
will have to buy a certificate.

I also wonder what liability said builder or roofer would be taking on
when issuing a certificate to say the roof was O.K.

Does anyone currently have to do this, and if so what does it cost?


Specifically landlords insurance.

Any recommendations for alternatives?

Cheers

Dave R

On 09/03/2013 16:53 David.WE.Roberts wrote:
Specifically landlords insurance.

Any recommendations for alternatives?

I've been using Budget for a while. Cheap and basic but does what I want
it to do. I do, however, cancel and then take out new each year to beat
the hike they provide as a free service to existing policy holders.

--
F

On 9 Mar 2013 11:36:26 GMT, "David.WE.Roberts"
wrote:

Our insurance with Saga is up for renewal.

This year there is a new endorsement which says that any flat roof must be
inspected at least every 8 years.

Presumably this means that you will need a certificate from a builder or
roofer signed and dated.
Otherwise how do you prove that it was inspected?

Supposedly a flat roof (or its covering) is only expected to last for
8 or 9 years, so it would appear that Saga want you to renew the
covering each time.

--
Frank Erskine

On Saturday 09 March 2013 17:33 Frank Erskine wrote in uk.d-i-y:

On 9 Mar 2013 11:36:26 GMT, "David.WE.Roberts"
wrote:

Our insurance with Saga is up for renewal.

This year there is a new endorsement which says that any flat roof must be
inspected at least every 8 years.

Presumably this means that you will need a certificate from a builder or
roofer signed and dated.
Otherwise how do you prove that it was inspected?

Supposedly a flat roof (or its covering) is only expected to last for
8 or 9 years, so it would appear that Saga want you to renew the
covering each time.


A decently done bit of mineral felt should be good for 1.5-2x that -
assuming the deck is good.


--
Tim Watts Personal Blog: http://squiddy.blog.dionic.net/

http://www.sensorly.com/ Crowd mapping of 2G/3G/4G mobile signal coverage

Reading this on the web? See:
http://wiki.diyfaq.org.uk/index.php?title=Usenet

On 9 Mar, 11:36, "David.WE.Roberts" wrote:
Our insurance with Saga is up for renewal.

I suggest you listen to today's Moneybox on iPlayer.

MBQ

In article 1073644633384527342.362181timdownie2003-
,
says...

"David.WE.Roberts" wrote:
Our insurance with Saga is up for renewal.

Saga were featured on R4 this morning for issuing renewal quotes up to 5
times the amount quoted for new customer quotes.

Ditch 'em.

Interesting.

Got a renewal quote from them for caravan insurance - in my name but
joint cover with better half.

Wife got a quote from the same company, same people, same caravan, same
coverage - but in her name.

20% cheaper.


--
Sam

In article 1073644633384527342.362181timdownie2003-
,
says...

"David.WE.Roberts" wrote:
Our insurance with Saga is up for renewal.

Saga were featured on R4 this morning for issuing renewal quotes up to 5
times the amount quoted for new customer quotes.

They claim to match or better any equivalent quote from another insurer
- which sounds great.

In order to do this, you have to have a written quote which contains
your name, address, post code, DOB, _full_ details of cover, T&Cs, your
aunties pet's name, colour of underwear etc. etc.

Since you can't dictate to an insurer exactly what they choose to write
on their quotes, I doubt if Saga are going to be matching many (any)
quotes.



--
Sam

In article ,
says...

On 09/03/2013 11:36, David.WE.Roberts wrote:


Does anyone currently have to do this, and if so what does it cost?


Just change insurers and it will cost nothing. You will probably get
cheaper insurance by not being loyal.

True, but it's a major hassle to read through all the T&Cs, Policy
documents, search the fine print for exclusions that will come back &
bite you etc. etc.

And do all this for more several quotes.

And none of that will tell you what you really need to know.

"What are they like when you have to make a claim?"

--
Sam

On 09/03/2013 16:53, David.WE.Roberts wrote:
On Sat, 09 Mar 2013 16:27:10 +0000, Martin Brown wrote:

On 09/03/2013 11:36, David.WE.Roberts wrote:
Our insurance with Saga is up for renewal.

Before you do that you might want to go and listen to today's Radio 4
Money Box programme and then get some alternative quotes!

http://www.bbc.co.uk/programmes/b01r4yth

This year there is a new endorsement which says that any flat roof must
be inspected at least every 8 years.

Presumably this means that you will need a certificate from a builder
or roofer signed and dated.
Otherwise how do you prove that it was inspected?

While I can see that regular inspection is a good thing (as with all
other aspects of a house) this seems to be yet another item where you
will have to buy a certificate.

I also wonder what liability said builder or roofer would be taking on
when issuing a certificate to say the roof was O.K.

Does anyone currently have to do this, and if so what does it cost?


Specifically landlords insurance.

Any recommendations for alternatives?

I've been using Quoteline Direct for three years now - good value even
without the Quidco kickback! And they don't jack up the premiums on
renewal either.

But no experience of claims though.
--
David

On 09/03/2013 16:53, David.WE.Roberts wrote:
On Sat, 09 Mar 2013 16:27:10 +0000, Martin Brown wrote:

On 09/03/2013 11:36, David.WE.Roberts wrote:
Our insurance with Saga is up for renewal.

Before you do that you might want to go and listen to today's Radio 4
Money Box programme and then get some alternative quotes!

http://www.bbc.co.uk/programmes/b01r4yth

This year there is a new endorsement which says that any flat roof must
be inspected at least every 8 years.

Presumably this means that you will need a certificate from a builder
or roofer signed and dated.
Otherwise how do you prove that it was inspected?

While I can see that regular inspection is a good thing (as with all
other aspects of a house) this seems to be yet another item where you
will have to buy a certificate.

I also wonder what liability said builder or roofer would be taking on
when issuing a certificate to say the roof was O.K.

Does anyone currently have to do this, and if so what does it cost?


Specifically landlords insurance.

Any recommendations for alternatives?

Cheers

Dave R



--
David

Just thinking the same. Who owns Saga this week?

Brian

--
From the Sofa of Brian Gaff Reply address is active
"Terry Fields" wrote in message
...
On Sat, 09 Mar 2013 11:36:26 +0000, David.WE.Roberts wrote:

Our insurance with Saga is up for renewal.

This year there is a new endorsement which says that any flat roof must
be inspected at least every 8 years.

Presumably this means that you will need a certificate from a builder or
roofer signed and dated.
Otherwise how do you prove that it was inspected?

While I can see that regular inspection is a good thing (as with all
other aspects of a house) this seems to be yet another item where you
will have to buy a certificate.

I also wonder what liability said builder or roofer would be taking on
when issuing a certificate to say the roof was O.K.

Does anyone currently have to do this, and if so what does it cost?

A couple of years ago a friend was complaining that his insurance co was
demanding a certain grade of lock be
fitted before they would renew the insurance; he complained that this
would cost ~£150.

I told him it would be cheaper to change the insurance company instead,
which he did.

Result: no changing of locks, welcome decrease in premium.

Time to ditch Saga and look elsewhere?


--
Terry Fields

In article ,
Sam Plusnet wrote:

They claim to match or better any equivalent quote from another insurer
- which sounds great.

In order to do this, you have to have a written quote which contains
your name, address, post code, DOB, _full_ details of cover, T&Cs, your
aunties pet's name, colour of underwear etc. etc.

I got a quote from Tesco online for my insurance renewal with all my details
Identical to the renewal they had sent me. 150 quid cheaper.

I then rang them and spoke to their price match dept (who at the time promised
to beat any equiv quote).

They were a bit confused then I gave "Tesco insurance" as the cheaper company
as apparantly that wasn't on their list of competitors on the computer :-)

In the end they rang back and beat their own price :-)


Since you can't dictate to an insurer exactly what they choose to write
on their quotes, I doubt if Saga are going to be matching many (any)
quotes.


This wasn't an issue as it was the same insurer, and the same policy. Only
difference was the renewal price was 480, the online price was 330 quid :-)

I'd have told them to get lost and moved but a)we've had really good
customer service from them and b)I'm sure they are all as bad

Darren

"Frank Erskine" wrote in message
...
On 9 Mar 2013 11:36:26 GMT, "David.WE.Roberts"
wrote:

Our insurance with Saga is up for renewal.

This year there is a new endorsement which says that any flat roof must be
inspected at least every 8 years.

Presumably this means that you will need a certificate from a builder or
roofer signed and dated.
Otherwise how do you prove that it was inspected?

Supposedly a flat roof (or its covering) is only expected to last for
8 or 9 years,

15-20 is a more normal expected lifespan (though that doesn't mean you don't
have have to patch up a bit in that period)

On Mar 9, 1:08*pm, Terry Fields wrote:
On Sat, 09 Mar 2013 11:36:26 +0000, David.WE.Roberts wrote:
Our insurance with Saga is up for renewal.

This year there is a new endorsement which says that any flat roof must
be inspected at least every 8 years.

Presumably this means that you will need a certificate from a builder or
roofer signed and dated.
Otherwise how do you prove that it was inspected?

While I can see that regular inspection is a good thing (as with all
other aspects of a house) this seems to be yet another item where you
will have to buy a certificate.

I also wonder what liability said builder or roofer would be taking on
when issuing a certificate to say the roof was O.K.

Does anyone currently have to do this, and if so what does it cost?

A couple of years ago a friend was complaining that his insurance co was demanding a certain grade of lock be
fitted before they would renew the insurance; he complained that this would cost ~£150.

I told him it would be cheaper to change the insurance company instead, which he did.

Result: no changing of locks, welcome decrease in premium.

Time to ditch Saga and look elsewhere?

--
Terry Fields

+1 to change. Saga, while an obliging company (re-did a lot of my
drains - though it cost them £5k and the local builder said he would
do it for under a 1k!), are horrendously expensive.

Rob

On Mar 9, 10:36*pm, Sam Plusnet wrote:
In article ,
says...



On 09/03/2013 11:36, David.WE.Roberts wrote:

Does anyone currently have to do this, and if so what does it cost?

Just change insurers and it will cost nothing. You will probably get
cheaper insurance by not being loyal.

True, but it's a major hassle to read through all the T&Cs, Policy
documents, search the fine print for exclusions that will come back &
bite you etc. etc.

And do all this for more several quotes.

And none of that will tell you what you really need to know.

"What are they like when you have to make a claim?"

--
Sam

I would agree with that. One of the interesting ones I found in doing
this - and it actually is a industry norm seemingly - is that clothing
is not replaced on a one for one basis.

Quite reasonable when one considers that clothing goes out of fashion,
etc. but I have two kilt outfits which would cost the best part of £2k
to replace and I can't get cover for that - and they neither wear out
nor go out of fashion.

Rob

In article
,
robgraham wrote:
On Mar 9, 10:36 pm, Sam Plusnet wrote:
In article ,
says...



On 09/03/2013 11:36, David.WE.Roberts wrote:

Does anyone currently have to do this, and if so what does it cost?

Just change insurers and it will cost nothing. You will probably get
cheaper insurance by not being loyal.

True, but it's a major hassle to read through all the T&Cs, Policy
documents, search the fine print for exclusions that will come back &
bite you etc. etc.

And do all this for more several quotes.

And none of that will tell you what you really need to know.

"What are they like when you have to make a claim?"

--
Sam

I would agree with that. One of the interesting ones I found in doing
this - and it actually is a industry norm seemingly - is that clothing
is not replaced on a one for one basis.

Quite reasonable when one considers that clothing goes out of fashion,
etc. but I have two kilt outfits which would cost the best part of £2k
to replace and I can't get cover for that - and they neither wear out
nor go out of fashion.

I'd have expected you to be able to get all risks cover as part of your
'contents' policy. After all, you can have itemised items such as jewelery
camera goods and musical instruments. Mind you, they'd probably exclude
moth damage. ;-)

--
From KT24

Using a RISC OS computer running v5.18

On Sun, 10 Mar 2013 10:00:47 +0000 (UTC), dmc@puffin. (D.M.Chapman)
wrote:


I got a quote from Tesco online for my insurance renewal with all my details
Identical to the renewal they had sent me. 150 quid cheaper.

I then rang them and spoke to their price match dept (who at the time promised
to beat any equiv quote).

They were a bit confused then I gave "Tesco insurance" as the cheaper company
as apparantly that wasn't on their list of competitors on the computer :-)

In the end they rang back and beat their own price :-)

Last year the renewal for my Tesco car insurance came in at £700, £200
increase on the year before because of an 'at fault' claim and despite
the replacement car being cheaper and smaller. Remembering that the
renewal included breakdown/recovery that I no longer needed, I got a
quote from the Tesco website that was about £50 less, taking removal
of the breakdown/recovery into account. Knowing that they would 'see'
I had been on the website, I rang and asked for the breakdown/recovery
to be removed. Before I could say anything about the online quote I
was put on hold for a few minutes and then offered renewal for £404,
which I accepted. £300 saved for the price of a phone call.

On 09/03/2013 22:36, Sam Plusnet wrote:


Just change insurers and it will cost nothing. You will probably get
cheaper insurance by not being loyal.

True, but it's a major hassle to read through all the T&Cs, Policy
documents, search the fine print for exclusions that will come back &
bite you etc. etc.

You have to do that with a renewal quote as well.

Another of the tricks these insurance companies adopt is the renewal
will have different terms and conditions to the current policy. Some
changes are easy to see, such as excess values which often rise by
£100/£500 on renewal, but other are hidden in the policy document which
change on a daily basis.

I once had motor insurance where the excess on glass breakage was £25
and on the renewal quote it had risen to £500.

The renewal may be 30% more expensive but often the companies are also
taking a lesser risk by increasing the excess amounts.

Furthermore, are you buying the actual insurance from Tesco, SAGA, the
AA etc.? They buy in the insurance from other parties and will chop and
change on a regular basis based on which company gives the best commision.

--
mailto:news{at}admac(dot}myzen{dot}co{dot}uk

Furthermore, are you buying the actual insurance from Tesco, SAGA, the
AA etc.? They buy in the insurance from other parties and will chop and
change on a regular basis based on which company gives the best commision.


And the "other parties" are no doubt selling the risk on to another
party. Some gnome in Switzerland is the one really taking the risk

On 10/03/13 11:40, robgraham wrote:
I have two kilt outfits which would cost the best part of £2k
to replace and I can't get cover for that - and they neither wear out
nor go out of fashion.


sigh, I know. Try getting insurance for bullwhips, manacles and rubber
latex suits.

No one wants to insure for perversions do they?



--
Ineptocracy

(in-ep-toc-ra-cy) €“ a system of government where the least capable to
lead are elected by the least capable of producing, and where the
members of society least likely to sustain themselves or succeed, are
rewarded with goods and services paid for by the confiscated wealth of a
diminishing number of producers.

On 10/03/2013 14:31, Huge wrote:

Except when they aren't. We moved to them from Zurich & our premiums fell
70%.


And if you shop around you will save another 50%.

In general, loyalty will cost you an extra 30% if you accept the first
renewal quote and then probably 10% to 20% more on top of that for each
following year.

Why do you think that there are so many adverts on TV saying insurance
company X will save 50% of the population at least £200 on the insurance
quote?


--
mailto:news{at}admac(dot}myzen{dot}co{dot}uk

In message , charles
writes

Quite reasonable when one considers that clothing goes out of fashion,
etc. but I have two kilt outfits which would cost the best part of £2k
to replace and I can't get cover for that - and they neither wear out
nor go out of fashion.

I'd have expected you to be able to get all risks cover as part of your
'contents' policy. After all, you can have itemised items such as jewelery
camera goods and musical instruments. Mind you, they'd probably exclude
moth damage. ;-)

I was dumbstruck to discover that an apprentice (electrical) had claimed
the cost of a sports jacket, burned by leaning on a hot soldering iron,
from his father's contents insurance!


--
Tim Lamb

In article ,
says...

In message , charles
writes

Quite reasonable when one considers that clothing goes out of fashion,
etc. but I have two kilt outfits which would cost the best part of £2k
to replace and I can't get cover for that - and they neither wear out
nor go out of fashion.

I'd have expected you to be able to get all risks cover as part of your
'contents' policy. After all, you can have itemised items such as jewelery
camera goods and musical instruments. Mind you, they'd probably exclude
moth damage. ;-)

I was dumbstruck to discover that an apprentice (electrical) had claimed
the cost of a sports jacket, burned by leaning on a hot soldering iron,
from his father's contents insurance!


Probably send his dad's premiums up by more than he claimed.

Correction: Sends everyone's premiums up by...

--
Sam

In article ,
says...


Furthermore, are you buying the actual insurance from Tesco, SAGA, the
AA etc.? They buy in the insurance from other parties and will chop and
change on a regular basis based on which company gives the best commision.


And the "other parties" are no doubt selling the risk on to another
party. Some gnome in Switzerland is the one really taking the risk

Often Gibraltar. For some "tax efficient" reason no doubt.

--
Sam

On Sun, 10 Mar 2013 10:54:13 -0000, "tim....."
wrote:


"Frank Erskine" wrote in message
.. .
On 9 Mar 2013 11:36:26 GMT, "David.WE.Roberts"
wrote:

Our insurance with Saga is up for renewal.

This year there is a new endorsement which says that any flat roof must be
inspected at least every 8 years.

Presumably this means that you will need a certificate from a builder or
roofer signed and dated.
Otherwise how do you prove that it was inspected?

Supposedly a flat roof (or its covering) is only expected to last for
8 or 9 years,

15-20 is a more normal expected lifespan (though that doesn't mean you don't
have have to patch up a bit in that period)

Agreed, but 8 or 9 years was all you could expect in the early days of
Pluvex etc.

--
Frank Erskine

On Sun, 10 Mar 2013 13:11:55 +0000, alan wrote:

On 09/03/2013 22:36, Sam Plusnet wrote:

snip

Furthermore, are you buying the actual insurance from Tesco, SAGA, the
AA etc.? They buy in the insurance from other parties and will chop and
change on a regular basis based on which company gives the best
commision.

The renewal invitation says
"This year your buildings cover will be underwritten by Royal & Sun
Alliance and arranged by e-Underwriting."

The letter does have some bold type highlighting significant changes in
the level of cover.
Hence the query here.

There are also exclusions for malicious damage by the tenants and a
'violent or forceful exit or entry' clause for theft or damage during
theft.

However, as stated elsewhere in the thread, it is a major job to find
another insurer without similar obscure or blatant get out clauses.

Cheers

Dave R

On 09/03/2013 16:53, David.WE.Roberts wrote:
On Sat, 09 Mar 2013 16:27:10 +0000, Martin Brown wrote:

On 09/03/2013 11:36, David.WE.Roberts wrote:
Our insurance with Saga is up for renewal.

Before you do that you might want to go and listen to today's Radio 4
Money Box programme and then get some alternative quotes!

http://www.bbc.co.uk/programmes/b01r4yth

This year there is a new endorsement which says that any flat roof must
be inspected at least every 8 years.

Presumably this means that you will need a certificate from a builder
or roofer signed and dated.
Otherwise how do you prove that it was inspected?

While I can see that regular inspection is a good thing (as with all
other aspects of a house) this seems to be yet another item where you
will have to buy a certificate.

I also wonder what liability said builder or roofer would be taking on
when issuing a certificate to say the roof was O.K.

Does anyone currently have to do this, and if so what does it cost?


Specifically landlords insurance.

Any recommendations for alternatives?

If you have been with them any length of time almost any other provider
it would seem. The heat is definitely on them for ripping off grannies.

http://www.bbc.co.uk/news/business-21717085

--
Regards,
Martin Brown

On 11/03/2013 13:56, Martin Brown wrote:


If you have been with them any length of time almost any other provider
it would seem. The heat is definitely on them for ripping off grannies.

http://www.bbc.co.uk/news/business-21717085



I guess that many people believe that SAGA is some form of charity set
up to help pensioners and those approaching retirement. This was never
true although some of their previous advertising gave this impression.

The present owners of SAGA appear the have a mountain of debt so what is
the correct level of premium for their business?

--
mailto:news{at}admac(dot}myzen{dot}co{dot}uk

On 11/03/13 22:10, alan wrote:
On 11/03/2013 13:56, Martin Brown wrote:


If you have been with them any length of time almost any other provider
it would seem. The heat is definitely on them for ripping off grannies.

http://www.bbc.co.uk/news/business-21717085



I guess that many people believe that SAGA is some form of charity set
up to help pensioners and those approaching retirement. This was never
true although some of their previous advertising gave this impression.

In much the same way as RAC/AA would like you to think of them as
'motoring organisations' rather than breakdown insurance companies.





The present owners of SAGA appear the have a mountain of debt so what is
the correct level of premium for their business?



--
djc