HOUSE INSURANCE

Discussion in 'Motorhome Chat' started by Middy42, Jan 17, 2016.

  1. Middy42

    Middy42 Funster

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    Evening all, anyone got house cover for being away for more than 60 days. Barrie
     
  2. PeteH

    PeteH Funster

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    Up to 180 days. CCC. (vantage insurance).

    Pete
     
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  3. Puddleduck

    Puddleduck Funster

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    No, ours only covers 30 days but we are getting a trusted house sitter to live in when we are away. He will also water plants, cut the grass and take in the post :)
     
  4. maison

    maison Funster

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    Also with C&CC.

    Previous insurance 60 days only.

    C&CC matched price. When I asked for quote for 90 day absence it was only £12.50 per year more..
     
  5. nomadic

    nomadic Funster

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    C&CC will offer cover for 30,60,90, 180 days, according to a recent telephone chat with them, in fact they have undercut our current supplier.

    I did not ask for 365 days cover , but suspect it is available, at a price!!
     
  6. Lenny HB

    Lenny HB Funster

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    One of our neighbours has just brought a house in Portugal he was struggling to get cover on his house for 4 months away, I recommended C&CC he was able the insure without being a member and price was reasonable.
     
  7. fatwallet

    fatwallet Funster

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    Also the caravan club , is Devit insurance
     
  8. Stealaway

    Stealaway Funster

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    Take a chance for a couple of months, what's the worst thing that can happen?

    We have never had any house insurance, never saw the point in the early days, preferring to take our own chances. How many times have you received any benefit from buying it year after year?
    Apart from a few lost roof tiles and gutters over the years we have never had any problem. With almost all problems its simpler, cheaper and easier just to get a 'man' in.
    We dont live in a flood area and we have close neighbours and if any untoward happens while we are away they can ring me or one of our kids.
    I cant remember the last time I saw or even heard of an house on fire and there are not that many burglary's, although we do have an alarm. We don't have very much at all that would be attractive to any thief, perhaps a few hundred quids worth of jewellery. Biggest item would be the flat screen TV but that would take far to long to remove it from the wall and carry it down the street. Any thing they nick would also have to be carried out of a window, these modern double glazed doors are almost impenetrable except by that 'big red key' the police love to use.
    House insurance is over rated and a complete waste of money in my opinion. Especially when I hear from our friends who have tried to make a claim, even when its above the £2-300 excess you need to pay for every claim. You can get a lot of repairs done for £2-300 with out paying a penny for insurance, if it's any more I have a large pot of savings I've made over the years to dip into.
    Insurance company's are making a fortune out of peoples neuroses. Think about it, really where is the risk?
     
  9. sedge

    sedge Funster

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    I'm absolutely certain WE haven't paid them (well) into 5 figures over the years - and that was the replacement cost of what we had stolen whilst in Portugal. Fantastic VFM. Not just what I think - it's what I KNOW for a fact and that's that.

    We don't think it's a rip off at all ! funnily enough. And bearing in mind it's all sorts of peoples premiums that paid me my salary almost all my working life there is now way I could ever agree with you!

    If they didn't treat the mega claims as 'exceptional' losses - in which case they would affect everyone's premium in an upward direction - instead of which they fall on their Re-insurers and thus protect you all - then everyone would need a second mortgage to pay them !

    You please yourself mate.
     
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  10. Charlie

    Charlie Funster

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    Part of my job is to carry out inspections on storm damaged properties. I then have to submit my report to the insurance company holding the liability.. Part of this is of course the estimated cost of making good.

    Trust me on this one not having buildings insurance could cost one hell of a lot of money.

    Please think before advising people not to insure the house they have worked very hard for for most of their lives. (y)
     
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  11. dealornodeal

    dealornodeal Funster

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    New to going away for extended periods looking to be away for 3 months, checked with current house insures who want to charge £70 for the 90 days, what constitutes unoccupied as we will have a neighbour visiting everyday and possible son returning from university for easter. Any thoughts would be appreciated, obviously if son comes I assume that this would count. Many thanks.
     
  12. Lenny HB

    Lenny HB Funster

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    Fine if you feel lucky, cost us about £5k - 6k over 30 years in that time we have had 2 claims totaling over £10k so I'm happy. One year after we moved in the great gale demolished our single garage, greenhouse, shed, garden wall & wall ties pulled out in the end wall of house, in those days you could take a cash settlement which paid for the repairs and most of the cost of a new double garage on the side of the house. In 1994 we had a burglary, loss adjuster recommended a settlement that was £10 more than our claim, they are not all out to stitch you up.
     
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  13. Charlie

    Charlie Funster

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    Without looking closely at the wording used I seem to remember it being "Unattended" not unoccupied.. That said I bet the policy's differ !

    If a friend neighbor or family member is in and out then the house is attended.

    The clause in the policy's is in there not only for the event of burglary and/or theft its there for things like escape of water. A leak left unattended for say two months will cause one hell of a lot of damage even compared with a month.

    When we are away my son or daughter pops in every two or three days and checks the post waters plants and has a walk round the house to see if everything looks OK..
     
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  14. Lenny HB

    Lenny HB Funster

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    You need to read the policy carefully and check with the company, a lot of insurers class unoccupied as "not occupied by someone who is normally a resident" so a friend or relitive poping in or staying the night wont count.
     
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  15. Milliemobile

    Milliemobile Funster

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    We have a policy via Swinton, 60 days standard. Over 60 days we have to update them and they may add additional conditions, example they gave was removing any items of value such a jewellery, cameras, laptop etc, not TV's though, depending on time of year setting heating to a certain temp.
    We don't have any removable items of value so fairly easy for us, this is content only.

    Lin
     
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  16. richr

    richr Funster

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    Thats fine if you have no mortgage and own a detached house

    If the above doesn't count then mortgage agreement states you must have insurance
    Also if not detached you may find your self liable if you damage the neighbours house if something happens to yours.
     
  17. campa cola

    campa cola Funster

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    Towergate are unoccupied building specialists and do 3/6/9/12 month policies. Quite reasonable I thought, minimum requirements locked windows, 5 lever mortice lock (Or the double glazing equivalent) inspection once a week, garden looked after. House heated to 15c during nov-march or water & gas switched off and water tank etc drained.
     
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  18. Stealaway

    Stealaway Funster

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    You are right on both counts. Sorry about that

    I thought my opinions on house insurance would be controversial, but I have been surprised how few people have shot me down.
    Does it mean very few members on this forum have never had a claim?
    Am my right in rejecting the need for house insurance?
     
  19. sedge

    sedge Funster

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    Stealaway - depends how much dosh you have in the bank to put stuff right if something happens, doesn't it?

    Personally I'd rather re-invest a bit of the pension a company (or several) pays me cos I worked there, back with them and keep their business going! LOL
     
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  20. Lenny HB

    Lenny HB Funster

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    Providing you can afford a few hundred grand to rebuild if you had a fire or other disaster fine, unfortunately most of us are not in that position.
    A bit like multimillion pound companies they often cover their own loses.
     
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