House Insurance (1 Viewer)

[blocky129]

Hi Folks,
Another question for the hive mind!
Our house and contents insurance is up for renewal.
We have been honest when telling the companies (via a comparison site) that we will be absent for more than 45 days.
Most companies have subsequently declined to offer us cover - only one quoted but at a ridiculous price.
Can anybody give me any suggestions for how to get buildings and contents cover at a reasonable price?
Cheers
Kev

 

[Figaro]

I think many insurance companies are happy if the building is inspected by someone weekly during the time it's unoccupied ?

 

[sueandjohn]

We went with admiral 70 days away at reasonable charge , they ask all kinds of questions. About action you take to minimise risk but best we found

 

[VXman]

We are with getsafe for 60 day trips. £190. Buildings and Contents.

Getsafe | Insurance made easy | Download Our App!

Getsafe insurance couldn’t be simpler. You can access all insurance documents and information about your policies via the Getsafe app – anytime, any place.

www.hellogetsafe.com

Try going to somewhere like confused.com and put 45 days in the filters if you want to find out what's companies are available.

 

[tomgrey]

I Think you will find that LV allow 60 days. Easy to check as you get link to policy before you pay.

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[Bobandfay]

M&S cover 90 day’s unoccupied at a reasonable price Building and contents including electric cycles as well.

 

[denisejoe]

LV offer 60 days as standard as do Sky Protect (underwritten by Zurich) at half the price of LV for us this year.

 

[pagey]

camc if you are a member

 

[VXman]

M&S cover 90 day’s unoccupied at a reasonable price Building and contents including electric cycles as well.

Nice and easy application and I assume good cover as very few questions were asked about level of cover. However it came out as nearly double my present policy so not cheap.

 

[VXman]

camc if you are a member

Just got a quote out of interest - scary!!!!

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[pagey]

Just got a quote out of interest - scary!!!!

Oh dear ours is due in July, may have to look around

 

[seasideBill]

camc if you are a member

Just had a home insurance renewal offer from Devitt who are CAMC insurance partners. They want a 70% increase for absolutely no reason I’m aware of. Have told them where to stick it and moved to M&S Policy at reduced premium with 90days unoccupied including. LV were by far the most competitive but only 60 days.
Another reason not to be a CAMC member.

 

[TrudeandDall]

Hi Folks,
Another question for the hive mind!
Our house and contents insurance is up for renewal.
We have been honest when telling the companies (via a comparison site) that we will be absent for more than 45 days.
Most companies have subsequently declined to offer us cover - only one quoted but at a ridiculous price.
Can anybody give me any suggestions for how to get buildings and contents cover at a reasonable price?
Cheers
Kev

Another for M & S.

 

[Lenny HB]

Sainsburys 60 days, M&S 90 days.

 

[sueandjohn]

update on admiral - now only 60 days (as standard) and wont increase it

m&s 90 days as standard but boy do you pay for it

admiral platinum 60 day £340

m&s premier 90 days £669 , standard policy £375

edit: admiral - depends on which agent you get!! i phoned again and change is possible but high costs - changing to 70 days from 60 unoccupied adds £130 annual premium

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[Lenny HB]

m&s 90 days as standard but boy do you pay for it

I just got a quote from M&S Buildings & Contents £195.

 

[VXman]

I just got a quote from M&S Buildings & Contents £195.

Hmmm.....wonder why so cheap for you.?

£345 for me and that was without any extras. My present policy is £195 and includes full accidental cover, cover away from home and high value items. I think similar cover at M&S would be around £600.

Having said that my present company are only 60 days abroad (fine for us at the moment) and has just changed underwriter so may go up next time.

 

[Lenny HB]

£345 for me and that was without any extras. My present policy is £195 and includes full accidental cover, cover away from home and high value items. I think similar cover at M&S would be around £600.

If I add cover away from home including bikes it goes up to £255.
Currently with Sainsburys £155 including cover away from home but only covers bikes up to £1k, I've just bought a bike for £3k. So looking for best option.

 

[sueandjohn]

I just got a quote from M&S Buildings & Contents £195.

why so cheap I wonder

 

[VXman]

If I add cover away from home including bikes it goes up to £255.
Currently with Sainsburys £155 including cover away from home but only covers bikes up to £1k, I've just bought a bike for £3k. So looking for best option.

We insured our electric bikes separately. £1500 bike for £35 including EU.

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[Lenny HB]

We insured our electric bikes separately. £1500 bike for £35 including EU.

Who did you use and does it cover them when in the Motorhome?

 

[VXman]

Who did you use and does it cover them when in the Motorhome?

Eversure through quotezone. My wife sorted it. She says it just stipulated the use of 'Silver category' locks

Just looked at their website...

Apparently you can add this.

"Taking your bike away with you?
Whilst kept on/in a vehicle, the vehicle must be locked and fitted with an alarm and immobilizer. If the bike is on a roof or cycle rack the cycle must be secured through the frame by an approved lock and if kept in a vehicle it must be out of sight if possible."

 

[Lenny HB]

Eversure through quotezone. My wife sorted it. She says it just stipulated the use of 'Silver category' locks

Just looked at their website...

Apparently you can add this.

"Taking your bike away with you?
Whilst kept on/in a vehicle, the vehicle must be locked and fitted with an alarm and immobilizer. If the bike is on a roof or cycle rack the cycle must be secured through the frame by an approved lock and if kept in a vehicle it must be out of sight if possible."

Just tried Quotezone, cheapest £91 dearest £260, it didn't come up with Evershore, tried them direct £79.

 

[Nanniemate]

If I add cover away from home including bikes it goes up to £255.
Currently with Sainsburys £155 including cover away from home but only covers bikes up to £1k, I've just bought a bike for £3k. So looking for best option.

Mines with AXA the bike is on it and a few other items £305 maybe worth a look

 

[Lenny HB]

Mines with AXA the bike is on it and a few other items £305 maybe worth a look

Don't want to pay that much.

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[Nanniemate]

Don't want to pay that much.

Tight git.

 

[seasideBill]

I just got a quote from M&S Buildings & Contents £195.

Yep, me too. £200 for standard policy. Don’t own anything thats life-changing if someone nicked it and no special circumstances, just a bog standard 3 bed brick & slate detached.

 

[Lenny HB]

Just tried Quotezone, cheapest £91 dearest £260, it didn't come up with Evershore, tried them direct £79.

Interesting Quotezone just emailed me with several options all around £50 including Eversure.

 

[Mullet Man]

Camping and Caravan club cover for up to 180 days unoccupied if you are a member.

 

[VXman]

Camping and Caravan club cover for up to 180 days unoccupied if you are a member.

At a price!

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