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[chrisgixer]

Ours is up for renewal. Payment shield, part of a Royal Sun Alliance. £37 a month.

We've had a central heating leak under the downstairs concrete floor, they refused to fix the leak but said we had cover for the damage caused. Fat lot of good that is.

And a theft from a car. Lap top, excess made it pointless claiming on that.

Higos through Aviva, £350 pa.
.... flood damage to kitchen due to slow leak from a washing machine hose. Thorough repair in the end but we had to project manage the whole thing ourselves, with daily phone calls chasing up and badgering for progress. This is not what WE, PAY THEM for. 5 months of agro.

So, not good. I'm aware the general understanding is the more you pay the better the service, but is that your experience? How have your claims been dealt with, good bad indifferent?

Is it worth paying extra, or are they all useless so may as well go cheapest as there will be agro claiming no matter the insurer.

Experiences please ladies a gents.

[05omegav6]

We've had a couple of claims on ours, one weather related, tother diy related
Both times sorted without fuss. May well have been with Tescos but will double check

[pscocoa]

Direct Line have been exceptionally good on the properties I am involved with  - the trace and access clause is standard on their top covers. It is all a question of how you handle their surveyors when they pitch up and start arguing that you are trying to claim betterment when you are not  - we had a bit of a battle with a cellar problem but it got sorted.

[blackviper90210]

Been insured with the AA a few years and had a few claims over the years. No issues and fairly quick tbh. 

[chrisgixer]

Thank you gents.

Very careful community on here though. Only 4 people ever claimed?

[Field Marshal Dr. Opti]

Ours is up for renewal. Payment shield, part of a Royal Sun Alliance. £37 a month.

We've had a central heating leak under the downstairs concrete floor, they refused to fix the leak but said we had cover for the damage caused. Fat lot of good that is.

And a theft from a car. Lap top, excess made it pointless claiming on that.

Higos through Aviva, £350 pa.
.... flood damage to kitchen due to slow leak from a washing machine hose. Thorough repair in the end but we had to project manage the whole thing ourselves, with daily phone calls chasing up and badgering for progress. This is not what WE, PAY THEM for. 5 months of agro.

So, not good. I'm aware the general understanding is the more you pay the better the service, but is that your experience? How have your claims been dealt with, good bad indifferent?

Is it worth paying extra, or are they all useless so may as well go cheapest as there will be agro claiming no matter the insurer.

Experiences please ladies a gents.

That sounds a little excessive to me.

We pay about £150 for both buildings and contents......don't ask me who with.

Despite the television adverts, insurance companies don't make it easy for people to claim and in my opinion are the lowest form of life.........with the obvious exception of city bankers.

Shop around, Mr Gixer.

[Field Marshal Dr. Opti]

Ours is up for renewal. Payment shield, part of a Royal Sun Alliance. £37 a month.

We've had a central heating leak under the downstairs concrete floor, they refused to fix the leak but said we had cover for the damage caused. Fat lot of good that is.

And a theft from a car. Lap top, excess made it pointless claiming on that.

Higos through Aviva, £350 pa.
.... flood damage to kitchen due to slow leak from a washing machine hose. Thorough repair in the end but we had to project manage the whole thing ourselves, with daily phone calls chasing up and badgering for progress. This is not what WE, PAY THEM for. 5 months of agro.

So, not good. I'm aware the general understanding is the more you pay the better the service, but is that your experience? How have your claims been dealt with, good bad indifferent?

Is it worth paying extra, or are they all useless so may as well go cheapest as there will be agro claiming no matter the insurer.

Experiences please ladies a gents.

No.

[Field Marshal Dr. Opti]

Ours is up for renewal. Payment shield, part of a Royal Sun Alliance. £37 a month.

We've had a central heating leak under the downstairs concrete floor, they refused to fix the leak but said we had cover for the damage caused. Fat lot of good that is.

And a theft from a car. Lap top, excess made it pointless claiming on that.

Higos through Aviva, £350 pa.
.... flood damage to kitchen due to slow leak from a washing machine hose. Thorough repair in the end but we had to project manage the whole thing ourselves, with daily phone calls chasing up and badgering for progress. This is not what WE, PAY THEM for. 5 months of agro.

So, not good. I'm aware the general understanding is the more you pay the better the service, but is that your experience? How have your claims been dealt with, good bad indifferent?

Is it worth paying extra, or are they all useless so may as well go cheapest as there will be agro claiming no matter the insurer.

Experiences please ladies a gents.

Yes.

[chrisgixer]

Ours is up for renewal. Payment shield, part of a Royal Sun Alliance. £37 a month.

We've had a central heating leak under the downstairs concrete floor, they refused to fix the leak but said we had cover for the damage caused. Fat lot of good that is.

And a theft from a car. Lap top, excess made it pointless claiming on that.

Higos through Aviva, £350 pa.
.... flood damage to kitchen due to slow leak from a washing machine hose. Thorough repair in the end but we had to project manage the whole thing ourselves, with daily phone calls chasing up and badgering for progress. This is not what WE, PAY THEM for. 5 months of agro.

So, not good. I'm aware the general understanding is the more you pay the better the service, but is that your experience? How have your claims been dealt with, good bad indifferent?

Is it worth paying extra, or are they all useless so may as well go cheapest as there will be agro claiming no matter the insurer.

Experiences please ladies a gents.

That sounds a little excessive to me.

We pay about £150 for both buildings and contents......don't ask me who with.

Despite the television adverts, insurance companies don't make it easy for people to claim and in my opinion are the lowest form of life.........with the obvious exception of city bankers.

Shop around, Mr Gixer.

Yes it is expensive, slightly misleading , as its occupied. It's geared more towards "building" rather than "contents" on a buy to let. Plus we've had an extensive claim.

[chrisgixer]

There is also the area, value, and value of contents of the house.

By value of contents I mean things like lap tops insured away from the property, say in a car. Same with mountain bikes.

Then there's garage contents as well.

Insurance is generally more expensive darn sarf, with higher property values.


We are currently looking at quotes on our residential between £320 and £380 depending on voluntary excess.

Speaking of which, voluntary excess, seems something of a joke so far. £350 excess knocks roughly £50 off the premium. But most of the things likely to be claimed fall into that price range. Like lap tops, iPads, mobile phones and to extent Tv's. To the point it becomes pointless claiming for all but an expensive tv.
 Given a voluntary excess of £350. I'd rather pay £380 pa and effectively, have things like lap tops and electrical items "worth" claiming on.

Would these things account for £200 difference in premiums ?

[Field Marshal Dr. Opti]

There is also the area, value, and value of contents of the house.

By value of contents I mean things like lap tops insured away from the property, say in a car. Same with mountain bikes.

Then there's garage contents as well.

Insurance is generally more expensive darn sarf, with higher property values.


We are currently looking at quotes on our residential between £320 and £380 depending on voluntary excess.

Speaking of which, voluntary excess, seems something of a joke so far. £350 excess knocks roughly £50 off the premium. But most of the things likely to be claimed fall into that price range. Like lap tops, iPads, mobile phones and to extent Tv's. To the point it becomes pointless claiming for all but an expensive tv.
 Given a voluntary excess of £350. I'd rather pay £380 pa and effectively, have things like lap tops and electrical items "worth" claiming on.

Would these things account for £200 difference in premiums ?

The most successful insurance companies are the one's that that the most profit. I wonder how they achieve this?......

[Field Marshal Dr. Opti]

In fact, all insurance companies would go in Room 101 should I be invited on the show. 

Pet insurance is a particular hate of mine.

If you have a young healthy mutt they'll welcome you with open arms (and probably a free pen or crappy satnav).

Try to insure your shagged-out fourteen year old mongrel with a heart condition and loose bowels, and the response will be somewhat different.

[chrisgixer]

In fact, all insurance companies would go in Room 101 should I be invited on the show. 

Pet insurance is a particular hate of mine.

If you have a young healthy mutt they'll welcome you with open arms (and probably a free pen or crappy satnav).

Try to insure your shagged-out fourteen year old mongrel with a heart condition and loose bowels, and the response will be somewhat different.

Indeed, our poorly put put is too old to insure.

However, we do have to have buildings insurance, to we might end up owing the Mortgage company an unhealthy amount if money. And realistically we do need contents cover too.

[Sir Tigger KC]

If it's for your rental Chris, try www.simplelandlordsinsurance.com

[mikesomega]

I think previous claim history has a lot to do with prices. Business sense says that if you have made a few claims in the £200 to £400 region in recent years, its likely you'll do so again, so they need to ensure their costs are covered by excess or premiums.

Over the last generation we've become a claim culture people, claiming for clumsiness (or downright fraud by chucking mobiles in the bog, and claiming its an accident) and expecting insurance to cough up. And we claim whiplash for carpark knocks. And we then complain when insurance goes up, and insist that insurance is a rip off.

I have only met a few people here, so dont mean to tar any1 with the same brush and not suggesting any1 here does that but we all know inside that it happens.