Home insurance

[dan2002]

Hi there don’t know if you lot could help me with this but I am interested in applying for Home insurance.

There is a lot of different websites i.e. comparethemarket, confused.com, moneysavingsupermarket.

Are the websites all the same and just obviously have different names?

 

[mikeey84]

No, different websites, but broadly offering the same.

If you go to moneysavingexpert.com, there is a guide about which comparison website is best, and the order to search them in to get the best deal

 

[^woody^]

Websites are brokers - generally selling policies from the same insurers on commission.

You need to check the wording of whoever's policy you are interested in there may be differences in cover.

 

[dan2002]

Ended up using confused.com.

Just waiting for an email with the quotation

 

[dan2002]

How come I haven’t received my email regarding the quotations? I did the form yesterday evening!

 

[mikeey84]

Have you checked your junk folder?

 

[dan2002]

Have you checked your junk folder?

Yes mate, not there. Its strange because I gave the correct Email.

 

[^woody^]

You get the quotes instantly on the screen online, and the top 1 or 3 then emailed to you.

 

[ETAF]

just check the T&C's - i also talk direct to the insurance companies - not all the details apply and they miss things out , so i ALWAYS check the policy with the company - last i need is cheap insurance to be invalid or not cover things - like contents sets
it will give rough idea
companies like direct line do not go on comparison sites (they do via a separate name).

Also the law changed recently , where companies are not allowed to offer better deals to new customers, so not sure how that has impacted on price

i use comparethemaket , just to get an idea - and i get an email pretty instantly

 

[nitro23456]

How come I haven’t received my email regarding the quotations? I did the form yesterday evening!

I rang confused.com and they said you put your email address in wrong.

 

[dan2002]

I rang confused.com and they said you put your email address in wrong.

Ok tell me how they know what exactly I typed. I always make sure my email is correctly put in and it wasn’t wrong.

They failed to send me an email and are now trying to justify it

 

[nitro23456]

Shall I ring them back?

 

[ETAF]

see if you can login with the correct email address

 

[dan2002]

its all good. I scrapped confused and instead did moneysupermarket. Got instant results. Now I need to decide which company to go for.

Cheapest company is GetSafe

 

[dan2002]

I had a question. What option should I choose for the amount of excess?

What does that amount actually mean?

Should I select £100?