Anyone heard of 3xD home insurance via the website Best Deal Insurance?

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  karaokecolin1 year, 10 months ago1 Like #1Show comment toolsReply

  Have a look on here:-
  
  http://www.defaqto.com/insurance/home-insurance
  
  This is the industry recognised site for rating insurance products. If your policy isn't on here, or if it is badly rated, I wouldn't take it.
  
  Cheap policies are all well & good but you realise why they are cheap when the time comes to claim.
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  steevieboy4u1 year, 10 months ago #2Show comment toolsReply

  karaokecolin

  Have a look on here:-
  
  http://www.defaqto.com/insurance/home-insurance
  
  This is the industry recognised site for rating insurance products. If your policy isn't on here, or if it is badly rated, I wouldn't take it.
  
  Cheap policies are all well & good but you realise why they are cheap when the time comes to claim.

  
  
  Thanks entered 3xD in the search box at the top and it didn't return any hits :|
  
  Their website looks legit http://www.3xd.co.uk/home
  
  If its a fairly new company would it still come up on http://www.defaqto.com
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  karaokecolin1 year, 10 months ago #3Show comment toolsReply

  Depends how new they are I reckon. Best deal insurance sounds like an online broker who are probably linked in some way to 3xd.
  
  I work in home insurance for a major high st name & I can honestly say I have never heard of them.
  
  Only review I could find is this one:
  
  http://www.freeindex.co.uk/profile(best-deal-insurance)_221647.htm
  
  You would be surprised how many customers move away from the well known insurers due to cheap quotes, then return soon after due to poor claims service or mistakes with the cover etc.
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  karaokecolin1 year, 10 months ago #4Show comment toolsReply

  http://www.freeindex.co.uk/profile(best-deal-insurance)_221647.htm
  
  sorry link doesn't work by clicking - put full address in browser and should be ok.
  
  

  
  Edited By: karaokecolin on Jun 29, 2011 21:10
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  steevieboy4u1 year, 10 months ago #5Show comment toolsReply

  Just tried to do a comparison quote via the http://www.defaqto.com website and 3xD is there.
  
  Its the first one that comes up from all the companies it uses when you do a comparison. It comes under 3 X D though, so does this mean its all Kosher then?
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  steevieboy4u1 year, 10 months ago #6Show comment toolsReply

  If you click the select a policy to compare from here its the one at the top:
  
  http://www.defaqto.com/compare/home-insurance-contents
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  karaokecolin1 year, 10 months ago #7Show comment toolsReply

  Yeah should be ok then. They don't use Lloyds of London as an underwriter though.
  
  List of their underwriters -
  
  http://www.3xd.co.uk/contact_us
  
  
  You could use their quoted price as a base price & then ring around a few companies to see if they will match the level of cover & give you a better price. Comparison sites do not always work out the cheapest way when getting home insurance quotes.
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  karaokecolin1 year, 10 months ago #8Show comment toolsReply

  Also check what excess they are stating you will pay in the event of a claim.
  
  If you stick with 3xd, it could be worth ringing them directly for a quote as opposed to going through best deal insurance.
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  steevieboy4u1 year, 10 months ago #9Show comment toolsReply

  The quote they emailed stated Lloyds of London and Lemma? Whats Lemma are they involved with Lloyds at all?
  
  By the way thanks for the help :)
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  steevieboy4u1 year, 10 months ago #10Show comment toolsReply

  The excess they quoted me is £100
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  steevieboy4u1 year, 10 months ago #11Show comment toolsReply

  Thought about going through the 3xd website direct but then thought if it came in more expensive it would mess up the quote i got from Best Deal Insurance??
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  karaokecolin1 year, 10 months ago #12Show comment toolsReply

  No probs.
  
  Lemma is an underwriter - the company who "calculates" or assesses the risk of what is to be insured. 3xd provides & administers the policy. As far as I know, Lemma aren't anything to do with Lloyds of London. Lloyds act purely under their own name.
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  steevieboy4u1 year, 10 months ago #13Show comment toolsReply

  Ok thanks, think i'll go direct through the 3xd website see what it comes in at then if its more expensive get Best Deal Insurance to give me a bell again.
  
  Cheers for the advice ;)
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  karaokecolin1 year, 10 months ago #14Show comment toolsReply

  The excess at £100 is pretty standard so no probs there. If 3xd do quote cheaper, it shouldn't have any effect on any other quote through a broker. Just depends who wants your custom the most!
  
  Still worth using it as a base price though to try and get a good price from one of the mainstream companies - aviva, churchill, direct line etc - or try your own bank.
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  karaokecolin1 year, 10 months ago #15Show comment toolsReply

  Btw - Lloyds of London not to be confused with Lloyds tsb bank. Apols if you already knew that but some don't.
  
  good luck!
  Col.
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  vbnmu1 year, 10 months ago #16Show comment toolsReply

  Great website that.
  Checked 3xD. Rated 3 stars out of a possible 5.
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  karaokecolin1 year, 10 months ago #17Show comment toolsReply

  Defaqto is a very dependable website for comparing all sorts of financial products. Totally independent as well, unlike a lot of "independent" brokers & advisors.
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  vbnmu1 year, 10 months ago #18Show comment toolsReply

  karaokecolin

  Defaqto is a very dependable website for comparing all sorts of financial products. Totally independent as well, unlike a lot of "independent" brokers & advisors.

  
  
  Thanks for the link. Very useful.
  

  
  Edited By: vbnmu on Jun 29, 2011 21:49
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  karaokecolin1 year, 10 months ago2 Likes #19Show comment toolsReply

  No probs.
  
  I'm no guru, but i do work in the market, for my sins, so feel fee to pm me if i can help at any time, although most answers are easily found on that site.
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  steevieboy4u1 year, 10 months ago #20Show comment toolsReply

  Just tried to get a quote direct from 3xD and it's not possible, it states on their website:
  
  Our range of general insurance products are only available through registered financial intermediaries. If you are interested in taking out one of our policies, you will need to speak to your financial adviser.

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