Which is best getting your own quotes or using the contractor from insurance company?

2 replies
Found 13th Dec 2010
I am having to claim on my house insurance, for the first time. The insurance company have said I can either send photos and get my own quotes or they can send someone out themselves, which is the best please. I have never claimed on my insurance before so any help would be lovely.

2 Comments

get them out to do the work and save any hassle - others on here might advise you to get quotes yourself and skim off the payment ...

If the insurer to send their reps:

PROS : less hassle; only one appointment person to deal with.

CONS: Nothing in life is free as there are profit/markups along the chain, so your claim value would be significantly larger than the true cost of repair. This may count against you when you declare the claims value when you shop around at your next renewal.
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