Be Excellent To Each Other

And, you know, party on. Dude.

All times are UTC [ DST ]




Reply to topic  [ 30 posts ] 
Author Message
 Post subject: Home Insurance
PostPosted: Wed Mar 25, 2009 13:48 
SupaMod
User avatar
Est. 1978

Joined: 27th Mar, 2008
Posts: 69725
Location: Your Mum
I found out the other day that Tesco are charging me £450 a year for my home insurance, which I think is a fucking joke.
Who's better?

_________________
Grim... wrote:
I wish Craster had left some girls for the rest of us.


Top
 Profile  
 
 Post subject: Re: Home Insurance
PostPosted: Wed Mar 25, 2009 13:50 
User avatar

Joined: 30th Mar, 2008
Posts: 16642
If you're happy with Tesco apart from the price use one of the comparison sites, get a better quote from somewhere and then phone them. We did this and they damn near halved the premium and gave us some Tesco vouchers as well.


Top
 Profile  
 
 Post subject: Re: Home Insurance
PostPosted: Wed Mar 25, 2009 13:50 
Filthy Junkie Bitch

Joined: 17th Dec, 2008
Posts: 8293
Phone up tesco and tell them that they won't charge you that much and they'll cut it.

My first year was £250, Tesco put it up to £400 on renewal. When I called them to cancel it, the price fell to £250 with all excesses removed.


Top
 Profile  
 
 Post subject: Re: Home Insurance
PostPosted: Wed Mar 25, 2009 13:56 
SupaMod
User avatar
Est. 1978

Joined: 27th Mar, 2008
Posts: 69725
Location: Your Mum
Esure will do it for £123. There's no tick box for "24-hour security guard", though.

[edit]And £20 on quidco.

_________________
Grim... wrote:
I wish Craster had left some girls for the rest of us.


Top
 Profile  
 
 Post subject: Re: Home Insurance
PostPosted: Wed Mar 25, 2009 13:57 
User avatar
Ticket to Ride World Champion

Joined: 18th Apr, 2008
Posts: 11902
That's because it isn't a job site.

_________________
No, it was a giant robot castle!


Top
 Profile  
 
 Post subject: Re: Home Insurance
PostPosted: Wed Mar 25, 2009 13:57 
SupaMod
User avatar
Est. 1978

Joined: 27th Mar, 2008
Posts: 69725
Location: Your Mum
Bobbyaro wrote:
That's because it isn't a job site.

Granted, but it obviously makes a difference. I'm half tempted not to get insurance at all.

_________________
Grim... wrote:
I wish Craster had left some girls for the rest of us.


Top
 Profile  
 
 Post subject: Re: Home Insurance
PostPosted: Wed Mar 25, 2009 13:58 
User avatar

Joined: 30th Mar, 2008
Posts: 14385
Location: Shropshire, UK
I used moneysupermarket.com and switched from Endsleigh to Admiral, and it brought the annual premium down by 65%.

This was just for contents insurance though.


Top
 Profile  
 
 Post subject: Re: Home Insurance
PostPosted: Wed Mar 25, 2009 14:00 
SupaMod
User avatar
Est. 1978

Joined: 27th Mar, 2008
Posts: 69725
Location: Your Mum
GazChap wrote:
This was just for contents insurance though.

Aye, that's all I want.

_________________
Grim... wrote:
I wish Craster had left some girls for the rest of us.


Top
 Profile  
 
 Post subject: Re: Home Insurance
PostPosted: Wed Mar 25, 2009 14:00 
User avatar
Ticket to Ride World Champion

Joined: 18th Apr, 2008
Posts: 11902
Yeah, do you mean content or building insurance?

_________________
No, it was a giant robot castle!


Top
 Profile  
 
 Post subject: Re: Home Insurance
PostPosted: Wed Mar 25, 2009 14:02 
User avatar
Chinny chin chin

Joined: 30th Mar, 2008
Posts: 15695
Grim... wrote:
I found out the other day that Tesco are charging me £450 a year for my home insurance, which I think is a fucking joke.
Who's better?


You should try my business insurance! I know companies with 10 times my turnover who pay less.

Have managed to reduce it this year slightly by going on a specialist policy.

As always the advice is to shop around.


Top
 Profile  
 
 Post subject: Re: Home Insurance
PostPosted: Wed Mar 25, 2009 14:43 
User avatar
Sitting balls-back folder

Joined: 30th Mar, 2008
Posts: 10180
LV give us stupid rates compared to everyone else on our contents, literally less than 50% of the nearest competitor. I'm sure the caps are lower, but nothing that bothers me unduly.

Meanwhile, their car insurance is always a joke. Bizarre.


Top
 Profile  
 
 Post subject: Re: Home Insurance
PostPosted: Wed Mar 25, 2009 15:33 
User avatar
Isn't that lovely?

Joined: 30th Mar, 2008
Posts: 11171
Location: Devon
BikNorton wrote:
LV give us stupid rates compared to everyone else on our contents, literally less than 50% of the nearest competitor. I'm sure the caps are lower, but nothing that bothers me unduly.

Meanwhile, their car insurance is always a joke. Bizarre.


LV are by far the cheapest car insurance for us!

Malc

_________________
Where's the Kaboom? I was expecting an Earth shattering Kaboom!


Top
 Profile  
 
 Post subject: Re: Home Insurance
PostPosted: Wed Mar 25, 2009 15:35 
User avatar
Kinda Funny Lookin'

Joined: 30th Mar, 2008
Posts: 3289
Location: Sheffield or Baku
Grim... wrote:
Bobbyaro wrote:
That's because it isn't a job site.

Granted, but it obviously makes a difference. I'm half tempted not to get insurance at all.


It might be tempting but DON'T DO IT...as a burglary victim one of the bright points was how quickly the insurance dealt with the replacement of stuff. Surely you get contents insurance with your mortgage?

_________________
If work was so rewarding the rich would have bought it all.


Top
 Profile  
 
 Post subject: Re: Home Insurance
PostPosted: Wed Mar 25, 2009 15:39 
SupaMod
User avatar
Est. 1978

Joined: 27th Mar, 2008
Posts: 69725
Location: Your Mum
Morte wrote:
Grim... wrote:
Bobbyaro wrote:
That's because it isn't a job site.

Granted, but it obviously makes a difference. I'm half tempted not to get insurance at all.

It might be tempting but DON'T DO IT...as a burglary victim one of the bright points was how quickly the insurance dealt with the replacement of stuff.

Thing is, we're practically burglar-proof. Said burglar would have to break into the building through the one ground floor entrance (choosing to either hide from or ignore the CCTV cameras on the way over the car park), sneak past the security guard who sits right by the entrance to the building and the security-controlled doors to the lift, happen to choose my floor from 26 others, then happen to choose my door, which is half-way along a corridor of 12 identical doors. I honestly can't see it happening.

Morte wrote:
Surely you get contents insurance with your mortgage?

Do I? I'll have to look into that.

_________________
Grim... wrote:
I wish Craster had left some girls for the rest of us.


Top
 Profile  
 
 Post subject: Re: Home Insurance
PostPosted: Wed Mar 25, 2009 15:41 
User avatar
Chinny chin chin

Joined: 30th Mar, 2008
Posts: 15695
Grim... wrote:
Granted, but it obviously makes a difference. I'm half tempted not to get insurance at all.


Tsk, haven't you seen "The Towering Inferno"? Fat lot of good yer CCTV and Mr Benton on security will be.


Top
 Profile  
 
 Post subject: Re: Home Insurance
PostPosted: Wed Mar 25, 2009 15:47 
SupaMod
User avatar
Est. 1978

Joined: 27th Mar, 2008
Posts: 69725
Location: Your Mum
Oh yeah, fire, didn't consider that. Good call, Chinster!

_________________
Grim... wrote:
I wish Craster had left some girls for the rest of us.


Top
 Profile  
 
 Post subject: Re: Home Insurance
PostPosted: Wed Mar 25, 2009 16:21 
User avatar
Sleepyhead

Joined: 30th Mar, 2008
Posts: 27354
Location: Kidbrooke
Grim... wrote:
Oh yeah, fire, didn't consider that. Good call, Chinster!


...and accidental damage.

_________________
We are young despite the years
We are concern
We are hope, despite the times


Top
 Profile  
 
 Post subject: Re: Home Insurance
PostPosted: Wed Mar 25, 2009 16:23 
User avatar
Skillmeister

Joined: 27th Mar, 2008
Posts: 27023
Location: Felelagedge Wedgebarge, The River Tib
and water damage from butler tears.

_________________
Washing Machine: Fine. Kettle: Needs De-scaling. Shower: Brand new. Boiler: Fine.
Archimedes Hotdog Rhubarb Niner Zero Niner.


Top
 Profile  
 
 Post subject: Re: Home Insurance
PostPosted: Wed Mar 25, 2009 16:27 
User avatar
Hibernating Druid

Joined: 27th Mar, 2008
Posts: 49374
Location: Standing on your mother's Porsche
My washing machine took out the whole of my downstairs a few years ago*. So glad we didn't skimp on contents cover. Don't go without it Grim..., burglars are only half the story.


*curse you new wave Decepticons!

_________________
SD&DG Illustrated! Behance Bleep Bloop

'Not without talent but dragged down by bass turgidity'


Top
 Profile  
 
 Post subject: Re: Home Insurance
PostPosted: Thu Mar 26, 2009 0:21 
User avatar
Master of dodgy spelling....

Joined: 25th Sep, 2008
Posts: 22661
Location: shropshire, uk
I went with MoreThan. as they ae giving free contents with building insurance.

Mortgage companies can proved Buildings but it is normaly not competative.

_________________
MetalAngel wrote:
Kovacs: From 'unresponsive' to 'kebab' in 3.5 seconds


Top
 Profile  
 
 Post subject: Re: Home Insurance
PostPosted: Thu Mar 26, 2009 10:18 
User avatar
Gogmagog

Joined: 30th Mar, 2008
Posts: 48921
Location: Cheshire
My motorbike incurance, third party fire and theft is only 147 quid this year. Which is nice. That's garaged, with 5 years no claims.

_________________
Mr Chris wrote:
MaliA isn't just the best thing on the internet - he's the best thing ever.


Top
 Profile  
 
 Post subject: Re: Home Insurance
PostPosted: Thu Mar 26, 2009 10:33 
User avatar
Comfortably Dumb

Joined: 30th Mar, 2008
Posts: 12034
Location: Sunny Stoke
Zardoz wrote:
My washing machine took out the whole of my downstairs a few years ago*. So glad we didn't skimp on contents cover. Don't go without it Grim..., burglars are only half the story.


*curse you new wave Decepticons!


I'm hoping I'll never have to find out how good my contents insurance cover is. I did phone and check with them about my games collection though and they said that as long as I had plenty of photos of the stuff I've got then it should be ok - not that I've got anything particularly rare.. it's just quantity really.

_________________
Consolemad | Under Logic
Curse, the day is long
Realise you don't belong


Top
 Profile  
 
 Post subject: Re: Home Insurance
PostPosted: Thu Mar 26, 2009 10:41 
User avatar

Joined: 30th Mar, 2008
Posts: 32624
I have pretty super duper home insurance with Tesco (£35/mnth for contents and building and loads of accidental cover). When a radiator leaked, unnoticed, for a few weeks and buckled the laminated floor in my living room I had a cheque for £600 in less than a week, which was the cost of a quote for a new fully-fitted floor from Floors2Go. I then blew the cash on hookers and booze, and put the sofa back on top of the damaged segment of floor.


Top
 Profile  
 
 Post subject: Re: Home Insurance
PostPosted: Thu Mar 26, 2009 10:43 
SupaMod
User avatar
Est. 1978

Joined: 27th Mar, 2008
Posts: 69725
Location: Your Mum
Doctor Glyndwr wrote:
When a radiator leaked, unnoticed, for a few weeks and buckled the laminated floor in my living room I had a cheque for £600 in less than a week, which was the cost of a quote for a new fully-fitted floor from Floors2Go. I then blew the cash on hookers and booze, and put the sofa back on top of the damaged segment of floor.

I know you're only kidding, but are you allowed to take the money and spend it on something else?

_________________
Grim... wrote:
I wish Craster had left some girls for the rest of us.


Top
 Profile  
 
 Post subject: Re: Home Insurance
PostPosted: Thu Mar 26, 2009 10:46 
User avatar

Joined: 30th Mar, 2008
Posts: 32624
Grim... wrote:
I know you're only kidding, but are you allowed to take the money and spend it on something else?
You're probably not supposed to. It took some wrangling to get them to cough up a cheque instead of using their choice of subcontractor to come replace it (I lied and said I'd had a really bad experience with the firm before). I'm sure if I made a habit of it they'd start refusing to issue cheques, too. But once I have the cheque, the money's mine. 'Course I do have to replace the floor at some point.


Top
 Profile  
 
 Post subject: Re: Home Insurance
PostPosted: Thu Mar 26, 2009 10:55 
User avatar
Ticket to Ride World Champion

Joined: 18th Apr, 2008
Posts: 11902
I am not sure they can kick up a stink, there was something (maybe a law) passed a while back which made it a bad court thingy for insurance folks to stipulate a subcontractor or supplier, as it is unfair trading. Or something. Whether you can take the money and run, I don't know.

_________________
No, it was a giant robot castle!


Top
 Profile  
 
 Post subject: Re: Home Insurance
PostPosted: Thu Mar 26, 2009 10:57 
User avatar

Joined: 30th Mar, 2008
Posts: 32624
Bobbyaro wrote:
Whether you can take the money and run, I don't know.
I assure you, you can. If I made a habit of it I expect I'd get rumbled, but this was my only claim in 3 years (so far... I do fancy a new laptop though, and my stairs are very trecherous).

A mate of mine had a mate who scammed his insurance firm for thousands. He was "burgled" three times. In the end they noticed that the £350 TV cabinet he was claiming for was only big enough to hold a 42" TV, but he also on the same claim recorded the loss of a £1500 50" plasma. They took him to court, and clawed it all back, plus expenses


Top
 Profile  
 
 Post subject: Re: Home Insurance
PostPosted: Thu Mar 26, 2009 11:01 
User avatar

Joined: 30th Mar, 2008
Posts: 16642
He didn't get done for fraud then?


Top
 Profile  
 
 Post subject: Re: Home Insurance
PostPosted: Thu Mar 26, 2009 11:06 
User avatar
Ticket to Ride World Champion

Joined: 18th Apr, 2008
Posts: 11902
Sorry, I meant legally take the money and run. Altohugh personally I don't see why not, as it is my money after all.

_________________
No, it was a giant robot castle!


Top
 Profile  
 
 Post subject: Re: Home Insurance
PostPosted: Thu Mar 26, 2009 11:09 
User avatar

Joined: 30th Mar, 2008
Posts: 32624
markg wrote:
He didn't get done for fraud then?
As I recall, he settled with the firm out of court and repaid everything he'd claimed and the full cost of all his premiums for the entire time he was insured.

(Disclaimer, I was pissed when I was told this story and it's a friend-of-a-friend so already qualified as an urban legend before I posted it on the Internet. The bit about the TV and TV stand was definitely true though.)

bobbyaro wrote:
Altohugh personally I don't see why not, as it is my money after all.
Quite. My floor was damaged, and would cost £600[1] to replace, and they paid me the £600 to repair it, which is exactly what I pay them money to do. I chose to live with the damanged floor is neither here nor there really, as I will have to replace it eventually.

[1] except I'd only laid it myself a year earlier for a total outlay of about £150, as I did the job myself and had a deal on the laminate. This is part of why I didn't replace it; apart from that damaged spot under the sofa the rest of it is fine, and it seemed more worthwhile to wait a few years and lay a new floor myself once I've had some use out of the current one.


Top
 Profile  
 
Display posts from previous:  Sort by  
Reply to topic  [ 30 posts ] 

All times are UTC [ DST ]


Who is online

Users browsing this forum: The Greys and 0 guests


You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum
You cannot post attachments in this forum

Search within this thread:
You are using the 'Ted' forum. Bill doesn't really exist any more. Bogus!
Want to help out with the hosting / advertising costs? That's very nice of you.
Are you on a mobile phone? Try http://beex.co.uk/m/
RIP, Owen. RIP, MrC. RIP, Dimmers.

Powered by a very Grim... version of phpBB © 2000, 2002, 2005, 2007 phpBB Group.