House Insurance

[riptide]

Just had my new quote from Saga, beyond belief. I live in a two bedroom house in berkshire. I have the top of the range house insurance with them which covers you for an unlimited amount if you should have a leak from water pipes etc. most only cover you for £5,000.00. Quote comes out at £371.00.
Seems very high to me. Could someone please give me the name of one of their insurance companies they have been pleased with, as I am going to change this year. Even with Saga's cheaper house insurance, it is still very costly. Did wonder about John Lewis. Thanks.

[Gizmonster]

Best bet is to try price comparison web sites :)

[roslyn251254]

more than are good, but do try all the comparison sites

[Buenchico]

Well worth reading:
http://www.moneysavingexpert.com/insurance/home-insurance

[woofgang]

I am with M and S I saved a bucket but the big plus for me is that you don't have to do the detailed listing thing

[frugalfred]

Renew with Co-op insurance - £286
Quote from Saga - £148
Quote from RIAS - £136
All with same excesses and more or less identical cover.

[riptide]

Thanks all for your comments, I am going to shop around, not sure how Saga are quoting £148.00 frugalfred when they are quoting me £371.00, must be this premium policy cover I have. My friend's house is a 4 bedroom detached with 4 acres of land in berkshire and she has it insured with Aviva and she is paying £30.00 less than me in my 2 bedroom semi.

[Ellipsis]

Do you have car insurance with someone else? Try them, as you can often get a good deal by having multiple policies with one insurer.

[riptide]

Thanks ellipsis, car insurance is with Saga. They did offer to reduce my house insurance by £45.00 but I still think it is rather expensive.

[ironmonger]

Churchill

[EDDIE51]

House insurance is exactly like car insurance you MUST shop around.
If you just accept the renewal quote you WILL get ripped off , use the comparison web sites and look for the best quote. Then shop around every year NEVER just accept a renewal quote.

[gingejbee]

I chose John Lewis because it is a Which? Recommended Provider- and was amazed at how inexpensive it was.....highly recommended.

[marray]

I've found that if you are with an Insurer the renewal quote is invariably increased. I feel they think you have so much to do you won't really have time to shop around...but I have and each year there is always an Insurer who can offer you (like for like) a cheaper premium... to get you on their books.. My Saga quote for a 3bed Semi was >£500. RIAS did it for £320. Before Saga was The Post Office who quoted low and renewed high. The pattern is there to see. Half an hour shopping round is a wise move.

[gingejbee]

....however, lowest price doesn't necessarily equate with good value.

[BlueToffee]

Try LV