Buildings and contents insurance (1 Viewer)

[MichelleRyall]

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.

 

[MC 55 FUN]

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

 

[carolyn]

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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[maison]

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

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.

 

[PhilandMena]

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

 

[maison]

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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[DavidG58]

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

 

[Cliffdale]

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.

 

[Dognewf]

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

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[MichelleRyall]

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.

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

 

[MichelleRyall]

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

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

 

[Cal54]

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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[gus-lopez]

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

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

 

[Emmit]

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

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

 

[maison]

@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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[etap]

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.

 

[DavidG58]

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

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

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

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

@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.

who with please, I am on to this now, renews just before Christmas so could really do with the cash for better things

 

[big map]

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.

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

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[deleted-member02]

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.

 

[MichelleRyall]

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

 

[Chris]

We paid £0 three years ago when someone forgot to renew

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[maison]

@DavidG58
I am insured through the Camping and Caravanning Club who have been very helpful.

Even if you are not currently a Member it might well be worth joining for that saving alone.

As an aside, we use C&CC sites quite a lot in view of their age discount. We also prefer them to Caravan Club sites.

 

[Tanya_and_Mick]

Is close to Turlin Moor

 

[MichelleRyall]

Is close to Turlin Moor

Cheeky ......

you are a long way from ' The Moor ' in Norfolk, what's your connection?

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[Mikeco]

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

You must have some expensive furniture, our contents is 50k with a premium of £210

 

[Mikeco]

Renewing our home insurance tomorrow with Camping Club, £210 and allows 180 days unoccupied.

 

[DavidG58]

You must have some expensive furniture, our contents is 50k with a premium of £210

I have actually been sat here this evening going over it in my mind again, I don't think we have that much high end stuff, but I do think people may be underestimating the total price of replacing everything in the house. We have nice but not overly expensive furniture

we did a full walk through our house room by room adding up everything, as suggested by a money program and were horrified how under insured we were a few years ago, my new costings still come in just under £100K

The definition buildings or contents needs confirming, white goods are contents even if fitted apparently, don't forget carpets, curtains, clothes, ipads, Rolex , only joking there, but I have got an Omega, all the tools in the shed inc mower. it really does add up quickly

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[Mikeco]

I have actually been sat here this evening going over it in my mind again, I don't think we have that much high end stuff, but I do think people may be underestimating the total price of replacing everything in the house. We have nice but not overly expensive furniture

we did a full walk through our house room by room adding up everything, as suggested by a money program and were horrified how under insured we were a few years ago, my new costings still come in just under £100K

The definition buildings or contents needs confirming, white goods are contents even if fitted apparently, don't forget carpets, curtains, clothes, ipads, Rolex , only joking there, but I have got an Omega, all the tools in the shed inc mower. it really does add up quickly

There you go then, carpets and an ipad.

 

[gus-lopez]

quickly adds up, better slightly over insured than knocked back if you claim,

That's one thing I like about insurance here there is none of that "Oh you are under insured by 50% so we'll reduce your claim pro-rata" ,
It is just a straight forward "under-insured? ; that's your problem here's the amount you are insured for " & full payment transferred into your bank account.

 

[PORKSTER]

Trouble is with insurance you only find out how good it is when you need it I just go for basic cheapest cover currently with Tesco. I also think I am right in saying if you pay monthly for insurance they can charge a fee or interest so best to pay in full.

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