Churchill Home Insurance Buildings and Contents - HotUKDeals
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Churchill Insurance are advertising 35% off home insurance so I decided to challenge them.
What I got was a reduction of £178 on last years premium (with a different insurer).

Much better cover than I had - Building £250000 Contents £40000, accidental cover etc.

And £60 Quidco.

So all in all 12 months buildings/contents insurance for a total of £75

If yours isn't due yet it may be worth getting a quote now anyway as you can save them for up to 3 months.
- Dedcon
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#1
This is only the second deal I've posted. Made a mess of the first one and got told off by someone! So hopefully I have done this right.

I had to put it on here, the deal was so good. I couldn't beleive how cheap it was. Much better than Tesco etc.
#2
Wow!!! Where do you live that your house and contents insurance is only £75? Mine is nearly £300 - maybe I should give them a call - renewal is due next month.
Thanks.

PS Don't forget Quidco. Am I right in thinking you get a whopping £60??!!!!
#3
Presumably you had to do this on line, hence the benfit of Quidco?
#4
shibi din
Wow!!! Where do you live that your house and contents insurance is only £75? Mine is nearly £300 - maybe I should give them a call - renewal is due next month.
Thanks.

PS Don't forget Quidco. Am I right in thinking you get a whopping £60??!!!!



Oops, sorry, just re-read your op and saw you mentioned Quidco.
#5
Yep on-line through quidco - The £75 total does take into account the £60 quidco, which showed up after 1 day - Also I haven't claimed on my house insurance for quite a while, so that helps.
#6
heat added
#7
I have a no claims thing that is protected, when I move house I suspect this will transfer. Can I get a new polocy and they accept this no claims rubbish that has kept me tied in??
#8
Your quote including your discount for buying online £347.55


Which is over twice my halifax quote
#9
Think I will go and do this, as I have been with the same company for 20+ years, I know - lazy!!

So, I'm sure I can get a better deal if I got my finger out and did this!

Thanks, Dedcon, for giving me the kick up the a**e I needed! :giggle:
#10
You should have split the buildings and contents and got 2 lots of £60 , £120 in total :thumbsup:
#11
will that work deanos?
#12
oh ...and my policy runs out with sainsburys at end of month and they automatically renew. Can I set this up straight to start beginning next month without any charge from sainsburys? ( I would have thought so as it s the end of a year but not sure)

Thanks!
#13
Sarahmoo - Phone up your existing companty and tell them you don't want to continue with your policy and to cancel the direct debit. They should write and tell you the monthly DD cost anyway - Then do it thru Churchill on-line via quidco.
#14
worth checking all the insurers on quidco as some offer more cashback so may be cheaper for some ppl.
#15
dc2447
Which is over twice my halifax quote


Yeah, Churchill is coming up with almost a couple of hundred over my current Halifax policy. I've saved my quote and I'll give them a call in the morning, see what they can come up with.
#16
My contents insurance is renewed next month and I got a quote with Churchill just yesterday. It was quite a bit more then my Esure renewal but with Quidco would come down to a bit less, but i'm not sure if less enough to justify the hassle of changing.

I might give it another try. I've previously spent a lot of time with Churchill and they are very good to deal with, apart from the time when they accidentally canceled my car insurance and left me driving around uninsured for about 8 months...but that's another story.:?

Have you tried Esure? They're very cheap and you can get £35 back from Quidco. With Lloyds and Barclays you can get about £120 back but the original quote is a bit higher.

I've just got another quote which came up the same but it said to price match I need to ring them which would mean that I won't get Quidco I suppose?
#17
suze
Think I will go and do this, as I have been with the same company for 20+ years, I know - lazy!!

So, I'm sure I can get a better deal if I got my finger out and did this!

Thanks, Dedcon, for giving me the kick up the a**e I needed! :giggle:


Your post made me laugh. Here you are a dedicated saver of money and yet you've stuck with the same insurer for so long!! You should have changed insurers about 10-15 times over the past 20 years!! :thumbsup:
#18
I renewed my biuldings and contents insurance a couple of weeks ago. using moneysupermarket etc got it down to£260 for unlimited buildings, £40k contents with the AA.

looked at Quidco, direct line were offering £100 with their premium being £281. So went with them for £180 including full accidental cover and no voluntary excess. Was on tenderhooks about the Quidco but it tracked and was verified within a day and is due to be paid in July.

very pleased.

Quidco cashbacks are currently:-Churchill £100, TSB £120,barclays £125 etc etc. It is worth factoring the amount of Quidco into your quotes as it can make a huge difference to the premium. Just remember to delete all your cookies and temporary internet files before clicking the link, to make sure it tracks.:whistling:
#19
shibi din
Yeah, Churchill is coming up with almost a couple of hundred over my current Halifax policy. I've saved my quote and I'll give them a call in the morning, see what they can come up with.


No quidco if done over phone.
#20
My mum & Dad did theirs via quidco with Lloyds & the initial quotation came back at £135 MINUS £125 cash back made it JUST £10.

She was well impressed (& she lives in a very desirable area of Lancaster)

:-D
#21
I notice in all of this that no-one has mentioned the levels of cover you get for this - and I don't mean the overall sums insured, I mean all the other things that go into a home policy.
#22
Does anyone know if the Lloyds 125 cashback via quidco is only for joint buildings and contents?

My contents was £7 a month which would mean quidco profit....
#23
dc2447
Does anyone know if the Lloyds 125 cashback via quidco is only for joint buildings and contents?

My contents was £7 a month which would mean quidco profit....


Its for any policy. I have just taken contents insurance with them and mine was similar £97 premium £120 Quidco cashback.


Nigel
#24
We are paying £38 quid buildings and contents!, I'm definetly going to get it cheaper!

Its a good policy but more than a £1 a day is ridiculous!
#25
noh
Its for any policy. I have just taken contents insurance with them and mine was similar £97 premium £120 Quidco cashback.


Nigel
sweet
#26
noh
Its for any policy. I have just taken contents insurance with them and mine was similar £97 premium £120 Quidco cashback.


Nigel



I can beat that - my contents is £80 and got £120 back from Lloyds! Getting paid to insure my flat is great!

My renewal quote from my previous provider was £128! And they wanted me to pay interest on my monthly payments. None whatsoever with my Lloyds payments. Pay the same if you pay monthly or annually. So keep the money and make interest as well rather than paying outright! lol.

I believe Lloyds are underwritten by Churchill anyways...
#27
Would you still get Quidco if you take up the quote and dont purchase for three months?
#28
sabelu
Would you still get Quidco if you take up the quote and dont purchase for three months?


As long as you go through and put all your details/pay using direct debit I dont see why not. If you just get a quote and save it then Im afraid not...
#29
newbuck
Quidco cashbacks are currently:-Churchill £100, TSB £120,barclays £125 etc etc. It is worth factoring the amount of Quidco into your quotes as it can make a huge difference to the premium. Just remember to delete all your cookies and temporary internet files before clicking the link, to make sure it tracks.:whistling:


Yes, the best way is to use a multiple insurer search, like Confused.com, get their list of quotes, sorted by price, then work out the total cost with the QuidCo cashback included.

Then, delete your cookies, and go and buy the best one via the links on the QuidCo pages.

That was how I got my fully-comp car insurance for £110 last year.

Someone really should get the makers of QuidCo knighted. I saved about £300 in total last year, buying things that I would've bought anyway (like car insurance, home insurance, a TV, etc..) Should we start a petition...?

:santa:
#30
sarahmoo
will that work deanos?


Yes it does, just take one policy out then wait a few hours, clear cookies and buy the other, it dosent have to be with the same company if you dont want to.

When i did mine last year with Zurich i got 2 x £120 and 2x £50 m+s vouchers, i actually got paid to have insurance :thumbsup:
#31
this is not a great deal (in my opinion) even for the price i was quoted far to many clauses
#32
What clauses are they?
#33
Deanos

I actually swapped from Zurich who had become rediculously expensive and save loads of money moving to Churchill. Just goes to show.
#34
I did similar with the Barclays offer via Quido. Rather than take out a combined home contents and building insurance policy I took out two separate ones. Cashback has been tracked and validated via Quidco so I hope to pick up two lots of £125 which isn't much different to the total cost of the policies... Result ! I also took car insurance via Lloyds which I think was £120 cashback. Total cashback since November is almost £1000. I was a bit sceptical about quidco to start with but I now use it automatically for everything.
#35
how does Quidco work and what is it?
#36
My home insurance is up for renewal and church hill worked out £50 more than my present company.

Not impressed.................
#37
Done both with Barclays. Saved £65 plus the £125 from Quidco and cover is better than Legal adn General who i am currently with.
Didn't have nerve to go for seperate Buildings and contents policies, particuarly as I was getting a much better deal anyway.
#38
I have no allegiance to Churchill and I'm not claiming they'll be cheap for everyone. They were cheap for me and taking into account quidco, they were very cheap and I saved lots of money. I tried Tescos etc as well but Churchill were by far the cheapest.
What it does show is that it is never worth just automatically renewing any insurance policies without checking competitors first.
I check every year and have three cars in the household with different companies and two lots of house insurance both with different companies. I have also just renewed my mums house insurance with Churchill. I have saved her a bundle (and made another £60 Quidco...thanks mum)
#39
Can I ask what might end up to be a really daft question please? Why do you have to delete your cookies and clear your temp internet files to go through Quidco again?

Sorry if it's something obvious, I'm not all that technical so be gentle with me...! :oops:

Luce
#40
Lucyeff
Can I ask what might end up to be a really daft question please? Why do you have to delete your cookies and clear your temp internet files to go through Quidco again?

Sorry if it's something obvious, I'm not all that technical so be gentle with me...! :oops:

Luce



If you are using internet explorer:

Click the Tools tab

Then click Internet options

Then the Delete Cookies button

Then Delete Files

Voila!

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