House Insurance Comparison Site

Listed above are in my opinion the most trusted home insurance companies in the UK today. They offer great value and excellent service with multiple benefits.

The companies above have very special offers. Just click on their logos to visit their sites and get a competitive quote.

I decided to set up this home insurance comparison site because I was put off by how difficult it was to find comprehensive home insurance cover. With so many comparison web sites around today I found the whole process very confusing. So I carefully researched the UK's top companies.

I compared all the insurers to find out which companies are offering the best home insurance quotes. I soon realised it's not just about price. It's also about benefits. Extra benefits like, "unlimited cover", "accidental cover", "new for old" and "worldwide protection" of your personal belongings. A companies past reputation and service is also crucial. The companies above meet all these requirements and more.

I update this web site regularly to provide the latest news on all the current deals.

House insurance comparison site is updated daily.

Home Insurance Comparison

Insurance has become very expensive in recent years but you can still save money if you are careful.

Recent research from the Aviva Group shows that 25% of people renew their home insurance automatically instead of looking for a better deal. This means many home owners are paying 225% more than they should be. The average person stays with the same company for four years. People over the age of 55 are more likely to renew automatically.

This means it is important to compare home insurance. Do not automatically renew your home insurance every year. Insurers are always bringing out new deals to be competitive. You can take advantage of this. Always compare to see if you can improve on your present policy. Tell your home insurance company you are thinking of changing insurers. They will usually offer you an incentive to stay.

Cutting Home Insurance Costs

Most people could reduce their home insurance premiums by installing an alarm system and approved window and door locks. The cost of home security system may be covered by the reduction in your premiums. Your alarm should be installed by a company approved by the National Approval Council For Security Systems. Your locks should be five lever mortice locks which meet British safety standard BS3621. To find out if your locks meet this standard you may have to take them out to check them. Very annoying but well worth it as some insurance companies won't pay out if your locks are inadequate.

Try to avoid making small claims as you may lose your "No Claims Discount". In the long run making small claims will cost you much more. If you have a 60% no claims discount you don't want to lose it by making two small claims for £75. Some insurers allow you to "Protect your no claims discount".

If you pay monthly you might be paying more. Paying a years premium in full may save you money. Also buying buildings and contents insurance together is very important as this normally always gets you a discount. Always ask your insurer for a discount.

Another really good tip is to renew your home insurance as a new customer. Check to see if this will qualify for a reduction. If not, tell your insurer you have seen that they are offering new customers a special discount and you want the same deal as well! You will be surprised that just by asking they might also give you the saving. Insurers don't want you to leave. They will normally offer you incentives to stay.

If you work from home or if there is almost always someone at home contact your insurer and ask them for a reduced premium. You might be entitled to a reduction. You have nothing to lose by asking.

Having a smoke alarm, is of course essential.

News Updates

Recent news from Defaqto says that insurers are charging more for excess and higher fees for claims. In the last few years insurance charges have gone up.

According to recent research by Allianz Insurance burglaries are up by 14% in the UK. It is thought this is mainly due to the recession. Almost 70% of people do not have an alarm system. Remember, you will normally pay less if you have an alarm fitted.

Reports suggest many people under value their home contents when taking out home insurance. It is important to carefully value all your belongings. Consider the outside of your home as well. Barbecue, shed, patio etc should all be considered when you value your contents. The contents of most peoples sheds can be quite valuable. Think about how much it would cost to replace all those items. When considering prices always think of how much a new item would cost not the second hand value.

If you work from home check to make sure your business equipment is covered. In many cases it isn't. Check your policy for "Exclusions". Some items in your home might not be covered. Also there will probably be "limits" on certain items. Go over your policy documents carefully to make sure you are covered for everything. It can be tedious going through the small print but you will be glad you did. If you are not sure about anything just call your insurer.

Common Sense Home Insurance Advice

Install a smoke alarm and check it regularly to make sure it is working. You will probably need more than one smoke alarm.

Fit time delay switches to your property so when you are away the lights will automatically switch on.

When you go on holiday cancel newspaper deliveries.

Join a neighbourhood watch scheme and tell your insurer. Many insurers give you a discount for this.

When you move to a new home please don't forget to change the locks. When you move into your new home you won't know who else has a key. The cost of changing the locks will be minimal compared to the stress and costs of being burgled.

Always be accurate with the information you give. That way in the event of a claim you won't have any problems.

I hope this web site saves you time and money! Please do contact me if you need any help. Thank you.

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