Home insurance

A[L]C · 2 Oct 2006 at 17:15

Hi all,

I need some advice. We have a ground floor flat and need some home insurance. It is council rented, so do we need building cover or just contents? Who is the best person to go with who offers monthly payments?

Anything I should look out for?

Thanks

[DOD]Asprilla · 2 Oct 2006 at 17:30

If it's council you just need contents, not buildings.

Who to go with depends upon your specific circumstances. Quotes will vary quite a bit.

rpstewart · 2 Oct 2006 at 17:44

A[L]C said:
Hi all,
Anything I should look out for?

Check the levels of cover carefully when comparing quotes, most policies don't include accidental damage (stains on carpets & furniture etc) as standard. The main things to look for are:

What's the single item cover limit
Are you covered for valuables (phones, jewelery etc) outside the home
Cover for frozen food in the event of a power failure
New for old replacement
Check what the company's security requirements are

A[L]C · 2 Oct 2006 at 17:46

seems to be a bit of a mine field

A[L]C · 2 Oct 2006 at 17:54

Is this a lot?

Annual premium: £297.15

Cover Type: Contents

Sums Insured:

* Buildings No
* Contents £18600

Options Selected:

* Accidental Damage Buildings - N
* Accidental Damage Contents - Y
* Family Legal Protection - Y
* Personal Possessions cover - £2500
* Voluntary excess - £0

rpstewart · 2 Oct 2006 at 18:20

It depends on the area but I'm getting about £45K of contents plus £8K of personal possessions cover for slightly less than you've been quoted but that's for a third floor flat in a nice quiet seaside town.

Who's that quote from?

YoungBlood · 2 Oct 2006 at 18:52

It seems slightly high to me, looks like a direct line quote?
They have always been the cheapest for me but I guess it depends on the area.

grahamjenks · 2 Oct 2006 at 18:54

Seems very high to me - but totally depends where you are, here in sheffield I've had similar cover for around £100.

A[L]C · 2 Oct 2006 at 19:04

Im in a ground floor flat in cox green, maidenhead which is an SL6 post code. That quote is from tesco.

FordPrefect · 2 Oct 2006 at 19:08

Even though it is council I'd check out a specialist renters insurance that also covers damage to landlord's property due to accidents etc as well.

grahamjenks · 3 Oct 2006 at 10:22

FordPrefect said:
Even though it is council I'd check out a specialist renters insurance that also covers damage to landlord's property due to accidents etc as well.

Someone like letsure?

Snow-Munki · 3 Oct 2006 at 11:16

that does seem a lot. I just paid £197 for both contents and buildsings with prudential. ( www.pru.co.uk )

Check it out, seems to be pretty good at covering contents.

Rudeboy · 3 Oct 2006 at 13:21

www.confused.com now do quotes for house insurance too, so you get a good comparisson of the market and who charges what.