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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?
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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?
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?
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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.
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.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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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?
Thats fine if you have no mortgage and own a detached house
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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.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?
Its your decision and your risk, why shoot you down. I wouldn't do it personally although we have never claimed in the 23 years we have owned a home. I do know someone who had done the same as you and his 110 year old house that had never flooded before had 4 foot of water in it over Christmas. I know he wishes he had not skimped on insurance now!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?
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