Buildings and contents insurance

Discussion in 'Motorhome Chat' started by MichelleRyall, Oct 5, 2016.

  1. MichelleRyall

    MichelleRyall Funster

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    I have just received my renewal for buildings and contents. Just ordinary, no long periods away from home, nothing special...£31.80 per month or £305 for the year. Is thisceasinable? I pt is a good level of cover but I have just done an Internet comparison and it seems high. Thoughts fellow motorhomers please.
     
  2. MH 55 FUN

    MH 55 FUN Funster

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    We would suggest that's on the high side, but all risks are different, so comparison is not always easy.
     
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  3. carolyn

    carolyn Funster

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    On the comparison sites a lot assume you won't be away from home for more than 30 days at a time, just something to look out for.
     
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  4. maison

    maison Funster

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    Seems on the high side to me. I wouldn't have thought Poole was a den of iniquity, with thieves around every corner.:whistle:

    Postcodes are used by many insurance companies in different ways. Some see our postcode and only look at the first part assuming we are part of a fairly large town. Others read all the code and accept that we live in a village 6 miles away. These have a lower quote. Shop around every time you renew.

    This year our premium went up by £63. We had made no claim so, after shopping around and finding lower quotes, our original insurers reduced their premium by £65.30 making it cheaper than last year. There is no such thing as loyalty in insurance.
     
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  5. PhilandMena

    PhilandMena Funster

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    Aviva, great cover, fair price and 60 days uninhabited cover too. Talk to them, nothing to loose.
     
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  6. maison

    maison Funster

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    The Camping and Caravanning Club cover us, as members, for up to 90 days away, contents and buildings. (Used to be 180 days until last year)
     
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  7. DavidG58

    DavidG58 Funster

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    if that seems high I am being robbed, we pay nearly £1000, with £500 excess :(

    buildings cover £450K, contents £120K

    we did have a surface water flood claim in 2007, but only claim in 20 years, time to get checking myself (y)
     
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  8. Cliffdale

    Cliffdale Funster

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    I always use moneysupermarket.com to price compare. I never use the same insurance company the following year, they always bump up the price for existing customers.
     
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  9. Dognewf

    Dognewf Funster

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    always worth checking direct line, they are not on comparison websites and give a multi policy discount.
     
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  10. MichelleRyall

    MichelleRyall Funster

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    No worries there, we don't do anything over 14 days. So just your bog standard cover required.
     
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  11. MichelleRyall

    MichelleRyall Funster

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    Wow....that does seem high. £120,000 for contents. Do you have Kim Kardashians jewellery in there somewhere?
     
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  12. Cal54

    Cal54 Funster Life Member

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    Why not register with Quidco and take a look at their offers. A lot of companies do cash back via Quidco and I have received in excess of £100 back for home and car insurance this year.
     
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  13. gus-lopez

    gus-lopez Funster

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    You only have to insure the building for its rebuilding cost +site clearance.
    So unless you have a 1,5million pound house ............
     
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  14. emmitdb

    emmitdb Funster

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    For that price I'd expect the cover to include the whole of Bolsover including Denis's house and the Castle.
     
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  15. maison

    maison Funster

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    @DavidG58
    £1000 seems an extraordinary amount for that cover.

    We have an automatic £1000000 cover on building and £75000 contents, (that's enough for us) and cover for 90 days absence in any one trip for "..................wait for it".........................







    £227.53



    That is with only £250 excess.
     
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  16. etap

    etap

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    Check Direct line as previously stated we pay £154 annual and we don't live in a shoe box, I asked them why they were cheaper than most their answer was because we are, the cover was better than LV and £60 cheaper.
     
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  17. DavidG58

    DavidG58 Funster

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    we added an extension last year that cost £180K the figure for rebuilding came from the architect

    probably another con, they do tend to see me coming :(

    no but did a room by room walk through a few years ago, we did have quite a lot of Moorcroft pottery that has now mostly gone, but we were surprised at how quickly it adds up, we have spent a lot of money on furnishings in recent years, our new extension has £12K of carpet on its own, free standing showers become contents not buildings apparently so another £15K there (3 of them), it very quickly adds up, better slightly over insured than knocked back if you claim, I had thought, but maybe need a review :)

    who with please, I am on to this now, renews just before Christmas so could really do with the cash for better things (y)
     
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  18. big map

    big map Funster Life Member

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    £160 a year less than we pay Michelle for the same sort of cover as you are after.
     
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  19. kaasbroodje

    kaasbroodje Funster

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    Seems expensive to me too.
    Tesco renewal was £183.76 including legal cover and up to 60 days away from home.
    Unlimited building cost (£500k on proposal)
    £100k contents (new for old) but limited accidental damage cover.
    tesco quote.jpg
     
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  20. MichelleRyall

    MichelleRyall Funster

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    Thanks for all the replies. Apologies for the terrible autocorrected spiel!!!!! Will definitely be shopping around.
     
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