Home Insurance Question

[wolf63]

I phoned L&V Friday to buy house insurance. I did so because I am already a customer at this house and thought that it would be simpler if I took their insurance out at my next house.

I am considering cancelling the policy, do I have the right to do so when I instigated the purchase?

I tried reading their information but I can't get an answer

[Buenchico]

See here:
https://www.confused.com/home-insurance/guides/how-to-cancel-your-home-insurance-policy#4

[wolf63]

Thanks.

I know that it is among the emails that they sent me but I thought that I had better check.

The guy on the phone was losing his cool with me and asking silly questions - what is the building made of? What is the roofing material? Is the flat (first floor) prone to flooding? What type of lock do you have on the main door?

See, silly questions!

[Buenchico]

I've just agreed to buy a 'new' car on Monday. I'm not exactly looking forward to answering all of the silly questions that I'm sure I'll be asked when it comes to insuring it!

[Xeronema]

Chris, good luck going down the rabbit hole with that one.

[wolf63]

At least you know what it's made of.

He didn't like my answers - building stuff and roofing stuff are, seemingly, not a valid answer.

The quotes that the Meerkat gave me are about £100 less than LV.

There are three different Admiral quotes - I am not sure if Gold is better than platinum or what. I will cancel the other one in the morning.

I still have to contact the council, utilities and 3 zillion other folk. I am not even nearly ready to move into the place. It is above a Bayne's bakery which is just a few doors down from Greggs!!

Good luck with the new car, hello Dizmo!

[tonyav]

I've just agreed to buy a 'new' car on Monday. I'm not exactly looking forward to answering all of the silly questions that I'm sure I'll be asked when it comes to insuring it!

LOL, best of luck with that garbage, Chris :-)

[twix123]

Wolf, these are not silly questions, as the construction materials affect the rebuilding costs of any property, and the type of locks affect the security aspects.
LV= never seem to be the cheapest, you should always get quotes from a comparison website.
Different prices from the same company, i.e. Admiral, depends on what level of cover you require. Are you just insuring the buildings, or including the contents? Is legal cover included? Accidental damage cover?

[tonyav]

He didn't like my answers - building stuff and roofing stuff are, seemingly, not a valid answer.

Susan, just say bricks and tiles.

[wolf63]

Twix - it's just not the sort of details that the average person (or is it just female persons) actually know the accurate answer to. The Meerkats showed pictures of different types of locks so that I could pick the one that I had.

Tony - I initially got a good discount via the Civil Service when I took out the policy and I've been too lazy to change it.

I think that it will be Admiral. I'm off to bed to plan my new bathroom. I'm still slightly terrified at the thought of moving after 33 years in this flat.

[tonyav]

New adventure, Susan. You'll be just fine.

[Xeronema]

Hello :D I've got all this to come when the DVLA let me back on the road. All the annoying car insurance questions. I need to find out how to get insurance, as it's going to be a mobility vehicle (I know the insurance is paid for by the mobility component of PIP). I'm sure you kind folk on AB will guide me in the right direction closer to the time.

[fourteen85]

Twix, as with all things there are other views, when i renewed our home and contents last Feb LV were the cheapest quote I could find, whether they are the best I know not as I haven't made a claim, my motor policy also went to them as I got another discount for being a customer already

[barry1010]

Even the flooding question is not silly, most flat owners are responsible for paying their share of repair and maintenance to external and common areas such as roof and foundations.

[douglas9401]

The flooding thing might not be so daft with you being close to the river, wolf.

[wolf63]

Douglas, I was going for a ground floor flat but they've all been turned into swimming pools.

Barry 'silly' isn't the appropriate adjective, but I wouldn't know the difference between a brick, stone or cement house.

[mjwman]

You can see brick, stone and cement so those are the differences.

[barry1010]

Wolf, wasn't it mentioned anywhere on the estate agents details or the survey?
Surely you know what bricks look like, or is the exterior rendered (sort of painted)?

[wolf63]

You can't see bricks it has been coated with something - is this rendering?

[barry1010]

Yes. How many floors does the block have?

[wolf63]

Barry, yes - all the information was on the reports. I was very tired and should have waited before the next morning before phoning the insurance company.

I will change it to an Admiral policy, when I can work out which one is best for me.