Buildings and contents insurance. Together or separate?

16 replies
Found 10th Sep 2009
What is the best option these days please?
Buy the buildings and contents insurance together from the same provider, or go separately?

And I must try and remember Quidco when I do it.

16 Comments

look at moneysavingexpert first to see any new deals
Then quidco.
I went with barclays last year coe £55.00 cash back.
They sent check and i cashed it before they took payment so a great deal for me.

Banned

i went seperate as to get cashback, went with swinton with topcashback, got £40 cashback (now paid) and awaiting a £50 cheque from swinton, my insurance was about £70

went with co op via quidco for buidings, and cashback aint tracked

Got my renewal through last night for buildings & contents - £400 !!

Whats the av price to be paying for this ?

Listed 2 items independantly (£5k diamond ring & 2k watch).

Just been on there & done a tesco quote (50% off supposedly).

Got 3 quotes (ranging from £150 - £340), but there cover is crap. £19k for contents insurance ??? As soon as you change it, the price shoots up......

I'll do a few comparisons today.....

try sheilas Wheels they beat everyonefor my friend

Banned

ChrisUK;6255749

Got my renewal through last night for buildings & contents - £400 !!Whats … Got my renewal through last night for buildings & contents - £400 !!Whats the av price to be paying for this ?Listed 2 items independantly (£5k diamond ring & 2k watch).


depends on postcode and cover level and valuations of house / contents

approx:-

I paid about £30-£50 (after cashback for buildings on £500,000 cover)

then paid about £10 (after cashback for contents on £35,000 cover)

octobergirl;6255896

try sheilas Wheels they beat everyonefor my friend



Thanks for that - £150 cheaper, and thats with Home Emergency cover

......plus £45 Quidco

I went with Asda this year....reeeeally cheap:thumbsup:

Oh...joint btw:)

Mine is £550 combined.

500k buliding, 125k contents with named items that can go out of the house.

With LV.com they were the cheapest by about £200.

Banned

chester123;6256420

Mine is £550 combined.500k buliding, 125k contents with named items that … Mine is £550 combined.500k buliding, 125k contents with named items that can go out of the house.With LV.com they were the cheapest by about £200.


:w00t:

mine is £50 after cashback!

500k buliding, 35k contents

they must love you :-D

Your cover must be rubbish for that much ????

Is that accisental damage, high excess, any high risk items, emergengy call out etc ??

ps - who with ?

csiman;6257352

:w00t:mine is £50 after cashback!500k buliding, 35k contentsthey must … :w00t:mine is £50 after cashback!500k buliding, 35k contentsthey must love you :-D



yeah, i paid roughly the same for mine

Check the comparison sites first to find out the cheapest, then see which of the cheapest ones give you cashback via Quidco etc.

Don't foget to compare like for like cover.

Mine was with cis this time but it varies ... takes a little while to shop around but could save you alot of money.

Banned

ChrisUK;6257460

Your cover must be rubbish for that much ????Is that accisental damage, … Your cover must be rubbish for that much ????Is that accisental damage, high excess, any high risk items, emergengy call out etc ??ps - who with ?


no accidental damage and £100 excess on each. dont need emer.callout as its free with my barclays account

AIG - buildings

Direct Line - contents

did take me a couple of hours and a spreadsheet to compare all the insurance companies quotes vs cashbacks available but well worth it to me.

csiman;6257352

:w00t:mine is £50 after cashback!500k buliding, 35k contentsthey must … :w00t:mine is £50 after cashback!500k buliding, 35k contentsthey must love you :-D



I have high value contents.

Also expensive watches and wife has a bit of jewellery. All are insured for loss, damage or theft outside of the house.

Jumpingphil;6257840

Thanks everyone for your help.I'll be scanning the sites tonight when the … Thanks everyone for your help.I'll be scanning the sites tonight when the girls are in bed.:thumbsup:



Make sure you check LV. They were cheapest for us and £30 quidco:thumbsup:
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