Home Insurance
Discussion
Just had my house insurance renewal through from Prudential at £502.44, thought this was a tad steep, so did a moneysupermarket comparison and quotes are coming back at £230 - £450. First sensible looking one is Axa at £268, or Aviva at £269 
So I rang Prudential, who immediately dropped it to £411.28, but that`s it, her response, was if you can`t afford it go elsewhere!!
Now I`ve been with Prudential for 11 years, no claims, and always had to fight a bit to get a competitive quote, but this seems to take the biscuit!
Am I being stupid in either:
a) paying an extra £140 to stay put, or
b) saving £140 and going with Axa or Aviva?
I`ve always tried to be loyal with these sort of things, but it seems I`m not being rewarded for my loyalty
What`s the PH consensus? What should I do?
So I rang Prudential, who immediately dropped it to £411.28, but that`s it, her response, was if you can`t afford it go elsewhere!!
Now I`ve been with Prudential for 11 years, no claims, and always had to fight a bit to get a competitive quote, but this seems to take the biscuit!
Am I being stupid in either:
a) paying an extra £140 to stay put, or
b) saving £140 and going with Axa or Aviva?
I`ve always tried to be loyal with these sort of things, but it seems I`m not being rewarded for my loyalty
What`s the PH consensus? What should I do?
Mt next door neighbour asked me about house & contents insurance a few weeks ago - he's let his auto renew with SAGA for years but was a bit taken aback when he'd looked at this year and it was £800 and odd pounds.
He was a bit dismayed when I told him mine with Liverpool Victoria is £200.
SAGA dropped to just under £600 (he too was annoyed they dropped just like that) but refused to go lower. He's now in the middle of a furious letter writing campaign wth SAGA!
One thing I would say to watch for if you change, is be wary of little T's & C's creeping in - our latest policy says the windows have to be locked closed on leaving the house which is a pain for us as we're very much an "open window" household.
He was a bit dismayed when I told him mine with Liverpool Victoria is £200.
SAGA dropped to just under £600 (he too was annoyed they dropped just like that) but refused to go lower. He's now in the middle of a furious letter writing campaign wth SAGA!
One thing I would say to watch for if you change, is be wary of little T's & C's creeping in - our latest policy says the windows have to be locked closed on leaving the house which is a pain for us as we're very much an "open window" household.
Edited by Deva Link on Saturday 9th July 12:47
Simpo Two said:
Logically the cheaper it is, the more 'get-out' clauses there will be.
I think it's more that little things keep being added which don't affect you if you stay on the old policy. Trees being with 10metres of the house is another one I've seen recently. I would imagine huge numbers of people have a tree within that distance of their house.Simpo Two said:
Logically the cheaper it is, the more 'get-out' clauses there will be.
You would think so, but not really.I sell a lot of home insurance, and sometimes the better policies are as cheap or even cheaper than the rubbish and basic ones.
Some insurers just like certain postcodes, certain size of house, certain age of customer etc.
Unfortunately it really doesn't follow logic!
Oh, and try being in a so called flood risk area, now thats a pain to find insurance for!
Also, be very careful of those comparethemeerkat type sites, they often preset the lowest cover, with higher excess to bring the premium down.
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