I keep getting asked how I only paid approx £25 for my buildings and contents insurance so thought I'd just post how:-
I used seperate insurance companies (AIG & Natwest). I think they have reduced quidco payments a bit now.
best bet is to go to comparison sites here :-http://www.moneysavingexpert.com/insurance/home-insurance#step2
then get quotes for joint contents/buildings and then seperate buildings & contents
then check against quidco for total payable after deducting quidco payouts.
Remember to only use the rebuilding cost when getting buildings insurance, not your house valuation which is bound to be a lot more. Check here for calculating rebuilding costs:-http://calculator.bcis.co.uk/