Home Insurance

[kloofnek]

I have always had my Home Contents insurance with Prudential and they are really very good when making a claim...no messing.
But have just been looking the insurance with Lloydstsb,with whom I am a customer and find it much cheaper...with the same cover.
Has anyone on AB got this insurance with this bank and have made a claim at anytime...how did it go etc?

[boxtops]

I haven't got Lloyds cover, but we change our insurer almost every year, looking for the best deal. Your own bank may have special deals for customers - Nationwide, for instance, has a good rate at the moment for people with a certain current account with them.

[rojash]

I have a bank account and some of my pensions with LloydsTSB. Wouldn't recommend them to my worst enemy.

[boxtops]

rojash, I would have said that until a couple of years ago - they were my main bank for years and although I found them very remote, I couldn't be bothered to change to elsewhere. I then had some problems and needed to visit them about finance matters, and everything's gone swimmingly since then.

[kloofnek]

I bank with them and never had a problem ..but I hear of people having a terrible time when making a claim on their Home insurance...for this reason,I am reluctant to change insurer but this Lloyds Tsb deal(25% off for banking online and existing customers) seems too good to miss..but would like to know how well a claim is dealt with...as it would be just my luck that no sooner to I change over and I will need to make one!!!

[woofgang]

Look around. I halved my buildings and contents insurance by moving from Lloyds to M and S and got BETTER cover and didn't have to do a detailed listing of values. When i phoned LLoyds to ask them what the story was (long time Lloyds insurance customer and I bank with them) they immediately took 30% off the renewal cost but couldn't match m and s.
If I could have been bothered to do a detailed valuation of my home and contents (and kept it up every year) I could have got an even better deal from NFU or John Lewis. The insurance is actually suppled by AXA. I pay 420 a year for everything buildings and contents, large house.

[gingejbee]

I recently changed to John Lewis Home Insurance (recommended by Which?) and was AMAZED at how little they wanted for very good buildings and contents cover.

[boxtops]

Some insurers no longer want you to identify the replacement/rebuilding cost of your contents and home, the cover is "blanket up to " a value. I've been with M&S for the last two years, thankfully never needed to claim but the cover is good and not expensive.

[kloofnek]

Thank you all for your imput...sorry didn`t get back to you earlier..was on my way to Windermere.
Has anyone out there ever made a claim with Lloydstsb insurance,,,how did it go?

[MadMen]

Wouldn't touch them with a barge pole. I haven't personally dealt with them, but I've come across them in business and they have a reputation of being very slow when it comes to claim handling.

I generally switch every year when my renewal is up, but I've stuck with Tesco home insurance for the past couple of years now.
I had a claim a year ago, when my shed got broken into, and they were absolutely brilliant.

I've recommended them to loads of people, and would have no hesitation in doing so again now :-)