Quick Survey: Do you have Home Insurance? - HotUKDeals
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Quick Survey: Do you have Home Insurance?

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If you are a home owner or renting, do you have home insurance? Just having a chat with my friend who said he currently doesnt have contents insurance, and was wondering how common it is. Read More
carmichaelj Avatar
6y, 1m agoPosted 6 years, 1 month ago
If you are a home owner or renting, do you have home insurance?

Just having a chat with my friend who said he currently doesnt have contents insurance, and was wondering how common it is.
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carmichaelj Avatar
6y, 1m agoPosted 6 years, 1 month ago
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#1
Yes.
banned 2 Likes #2
Yes. Why wouldn't you.
#3
Of course!
#4
Yes, I would never go without it!
banned#5
And if I find you sniffing round my gaff I will give you the bleaching of your life.
#6
http://www.uswitch.com/news/insurance/survey-one-quarter-do-not-have-adequate-home-insurance-800464372/

uSwitch survey said that 25% of people in UK dont have adequate cover. I wonder if that corresponds to the population of HUKDers
#7
£55?

I pay £100.
#8
of course i have!
#9
No I don't, it's because i'm an idiot!
#10
Nope,i haven't had it for approximately 10 years now.
#11
why do you guys not have it?
banned#12
Tight a$$es
#13
None of my neighbours have been robbed to my knowledge as long as i've lived here,so i don't feel the need for Insurance any longer.:3
banned#14
deb8z
None of my neighbours have been robbed to my knowledge as long as i've lived here,so i don't feel the need for Insurance any longer.:3


Where do you live again?
#15
deb8z
None of my neighbours have been robbed to my knowledge as long as i've lived here,so i don't feel the need for Insurance any longer.:3


what about if there was a fire, or a burst water pipe?
#16
It's not because i'm tight, I used to have it, but then for some reason they just stopped taking the money and then told me i'd not been paying it so it got cancelled. I do keep meaning to get insurance again, but for some reason I never get round to it. I WILL get insurance - tomorrow when I have some money :)
#17
JonnyTwoToes
deb8z
None of my neighbours have been robbed to my knowledge as long as i've lived here,so i don't feel the need for Insurance any longer.:3

Where do you live again?

Obvivously in an area where there aren't many robberies X)
#18
i really don't understand why anyone wouldn't have it! i pay approx £100 a year including accidental cover inside and out of the home, my iphone is also insured. i think it's a bargain tbh.
#19
missp27
i really don't understand why anyone wouldn't have it! i pay approx £100 a year including accidental cover inside and out of the home, my iphone is also insured. i think it's a bargain tbh.


+1
#20
I never cook anything and i don't smoke,so unless my Electrics start playing up,i think i'll be fine X)
1 Like #21
deb8z
I never cook anything and i don't smoke,so unless my Electrics start playing up,i think i'll be fine X)


do you have running water in your property?
#22
I honestly never think about it,until a thread like this pops up,then i think,should i get Insurance,then i forget about it again.
#23
Have always had mine, I pay £22 a month, but there are alot of extras on that aswell .
#24
I pay around £12 a month. I've never had insurance before but the tenancy agreement required it.
#25
yes I pay £22 per month also, for all the extras (high value item, accidental damage, lost or stolen items outside the property etc)
#26
Ours is £29 a month oO seems quite high compared to others on here, But then again its personal figures due to what you have covered and amounts.
Ours is property and contents due to the house being our own and not council or rented.

Would never be without it, its like my Female cancer insurance I have on myself. I could never cancel that was it would just be my luck then. Plus it covers the kids future if the worse case scenario.


Edited By: beth3735 on May 23, 2011 17:23
#27
beth3735
Ours is £29 a month oO seems quite high compared to others on here, But then again its personal figures due to what you have covered and amounts.
Ours is property and contents due to the house being our own and not council or rented.


yes we own our home, but as its a block of apartments, the factors fees covers buildings. So the £22 is just for contents. I'd say £29 including buildings is quite reasonable
1 Like #28
Legal requirement to have buildings insurance if you have a mortgage.
#29
yep, furnished flat so we took out quite a low cover with AVIVA to just cover own belongings like clothes, TV, my guitar, etc
#30
Yep, claims i have made so far:
Contents 2 new carpets and a tv
Building 2 repairs to roof
So about £300 in excess for few grands worth of repairs/replacements
#31
£400 a year for building & contents
#32
£120 for buildings and contents plus £30 cashback :)
#33
dcx_badass
yellowputty
dcx_badass
I'm in a Student flat of 5, I'm the only one with contents insurance, don't know anyone except me at uni who got it tbh, seems stupid to me when it's £55 a year.

£55?

I pay £100.


Student flat so I only need £3000 worth of coverage.


Mine's student too...:(
#34
of course .. had it for the last 8 years.. only used it once though!!!

would hate to get burgled - have everything stolen and have no insurance !!!!!!!!!!!!!!
#35
Wouldn't you feel stupid having a £100,000 mortgage on a pile of smouldering rubble? I don't like paying the premium but the potential consequences are horrific.
#36
Just renewed - thanks for the reminder...
Unlimited Buildings Cover and £55,000 Contents Cover for £170 with Avivia with £45 Quidco cashback
so works out as £10.42 per month
banned#37
yes but didn't when i was renting for 4 years.
#38
Yes, it'd be silly not to.
Contents includes things like carpets, curtains, computers, tvs, basically if you could turn your house upside down, anything which moves is considered 'contents' with the exception of the carpets but they are considered removable hence 'contents'. We have had burst pipes and a leaking hot water tank and you would be surprised how much damage there was and the contents claim was in thousands (office was below and, along with lots of other things, the computer etc were knackered).
There are great cashback offers around worth looking out for.
Also, if you own a house and don't take out buildings insurance then you are, in my opinion, a fool.
banned#39
you'd have to be mad not to really

£106 a year for builidings (£500K) and contents (£30K) is a no-brainer really (4 bed detached).
banned#40
chalkysoil
£400 a year for building & contents

Blimey! [eyes watering smiley]

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