Insurance Checker

How To Obtain A Cheaper Buildings And Contents Insurance Quote

Have you ever used an insurance comparison website? I would guess that the majority of the readers of this article will have answered yes to this question. I absolutely love them. Why do I think this? Because I have managed to save a lot of money by using these types of sites over the last couple of years. In this article I will be describing about the way in which I use them.

Just before I continue I would like to make it clear that I am not an insurance salesman or a financial adviser. I actually offer a DVD duplication service in the UK, I am also involved in a company that sells composite doors and I offer Comet Voucher Codes on a part-time basis .

A good example of my use of insurance comparison sites would be the way in which I recently managed to save over £70 on my home insurance. At the beginning of June I received the renewal quote for the home insurance. The amount that they were quoting me was slightly higher than last year but I suppose you have to accept this.

I knew what I was going to do, in any case, whatever the premium had shown; I was going to put in my relevant details into one or two of the insurance comparison websites. I duly did this and low and behold there were three companies who were able to beat my renewal premium. The cheapest quote was a fully sixty pounds cheaper for the same level of cover.

This was not exactly a surprise to me as I have had similar successes on numerous previous occasions. Did I complete the application form for this lower premium? No. Why not? Well I wanted to save even more money and therefore decided to contact my current insurer to see of they could offer me an even cheaper price! I phoned them and said:

“I have received your home insurance renewal quote but have managed to obtain a better quote by using one of those comparison sites. It was seventy pounds lower (a small lie) than what you were quoting. I am phoning you as I would rather keep the insurance with your company as I have been very impressed with the level of customer service that I have received. Are you able to beat or possibly match their premium?”

Guess what? They did match it – how cool is that? I was rather impressed with myself, the result and of course the comparison website.

Now I have decided to instruct a firm of cost reduction specialists in a quest to save even more money.

Get rid of some home repair costs

The only thing certain to happen in life is life, death and not to forget the one everybody loves, taxes. So when it comes to the home the last thing you expect to happen is for something to go wrong for absolutely no reason at all but of course it happens which is when home emergency insurance comes into the equation.

The worst thing that could possibly happen is that on a bank holiday a pipe bursts or even worse something really bad happens with the gas pipes. The problem is even if you do manage to get a plumber the call-out charge is going to be huge? As well as this what with the recession still in full power how on earth can anyone afford to pay for a huge call out charge bill let alone the bill for the damage!

omestic boiler breaks down every 20 seconds in Britain costing over £64 million pounds in call-out charges which is a huge figure.

When time are tough and things go wrong one of these home emergency plans could really help out with money

•Lost the keys and found yourself staring at a door you cannot enter
•Respects to your boiler
•Any problems you may have with things like plumbing, drains or mains service
•Pest troubles

There are of course other benefits to having one of these. If something really bad goes seriously wrong and your house becomes somewhat uninhabitable because of something that has occurred then the cover will provide you with accommodation benefit.

It is important not to get insurance if you really do not need it which is why there are several levels of insuring the home so you are not wasting time and money. For example if you are never going to lock yourself out then do not get high insurance on it.

You cannot stop things like this from happening but you can however help save money when they do by taking out insurance and if this kind of insurance isn’t needed for you then why not try getting that important car insurance or if you are planning on going away why not take out travel insurance?

Home emergency

Home emergency is a form of insurance policy designed to help you cope should a sudden crisis or emergency hit your home. Unfortunately, such things do happen and few of us are immune from the occasional bout of bad luck around the home.

Home emergency cover usually meets the financial costs of urgent call-out remedial action in the event your property is struck by one of the following:

• troubles with plumbing or water supply if the problem originates on your property;
• blocked drains or related problems if, once again, the disater is on your property;
• if your heating system fails;
• a failure of the electrical supply providing the fault is on your property;
• an infestation of pests.

Policies of this type may also be able to help with:

• the costs of emergency accommodation if your home becomes temporarily off limits due to the emergency
• maintenance and servicing costs of a boiler (subject to the level of cover you buy).

Generally costs may be extremely high and insurance may be a financial lifeline in such a crisis.

In all cases conditions may apply and typically the policy would need to be read carefully to ensure it was providing the cover required.

Considerations

As may be seen from the list above, home emergency cover functions to protect you and your property from problems that arise with its boundaries.

What this means is that:

• typically it will not meet the costs of resolving problems that have arisen elsewhere even if they are affecting your home – examples may include a blocked mains sewer, an external electricity supply problem or a leak that originates from neighbour’s property;
• in the case of you renting your home emergencies are typically covered by your landlord and protection is not needed
• as a landlord, you may require landlord’s insurance cover – home insurance home emergency policies may not cover property that you’re renting out;
• policies of this genre are designed to supplement traditional buildings and contents insurance – they are not intended as replacements and do not typically cover things such as theft, vandalism, burglary and fire etc.

This is not necessarily a comprehensive list and it is typically important for you to read the terms and conditions of a policy carefully before making a decision.

contents and buildings insurance compared to protection for emergencies

Any protection you are given in your home emergency policy is designed with the aim of providing help with any immediate crisis. They do not provide protection financially for extensive building restoration, property replacement or long-term remedial activities.

Home emergency cover forms of insurance policy typically provide benefits that are not included on a buildings and contents policy but once again to be sure it may be necessary to carefully compare the terms, conditions and benefits of both policies to see if there is an overlap.

Home insurance home emergency policies may play a comforting part in the overall protection you provide for your home. To enhance your protection and for peace of mind you may wish to obtain more information on home emergency protection.