| Looking for home insurance advice [message #368443] |
Di, 07 März 2006 22:45 |
|
So I go to a home insurance website to get a quote for a house I will
hopefully be buying soon. And encounter a few issues.
Like how much my contents are worth. OK, with a bit of effort I could
maybe come up with a number, but are there any decent rules of thumb
around, or a list to make sure I have forgotten nothing?
And how much it would cost to rebuild the house. How am I meant to
know that - do I get a quote from a builder?
Then right at the end of the quotation process I get a list of
conditions. Like the required number of levers in locks on outside
doors. So if I need to make a claim, does the assessor dissect my
locks and count the levers? Am I meant to do that before I accept the
quote?
I don't necessarily want the cheapest quote. I want a policy I can be
sure will pay out if I need it to - in my mind that is what insurance
is all about.
So where is the best place to get a policy with no catches, and/or
where is the best place to go for advice on insurance values?
TIA
--
Steve Slatcher
http://pobox.com/~steve.slatcher
|
|
|
| Re: Looking for home insurance advice [message #368444 ] |
Di, 07 März 2006 23:26 |
|
"Steve Slatcher" <steve.slatcher [at] pobox.com> wrote in message
news:gtur02lq1f8if97ron5921dqu5ukcvghfg [at] 4ax.com...
>
> So I go to a home insurance website to get a quote for a house I will
> hopefully be buying soon. And encounter a few issues.
>
> Like how much my contents are worth. OK, with a bit of effort I could
> maybe come up with a number, but are there any decent rules of thumb
> around, or a list to make sure I have forgotten nothing?
>
> And how much it would cost to rebuild the house. How am I meant to
> know that - do I get a quote from a builder?
>
> Then right at the end of the quotation process I get a list of
> conditions. Like the required number of levers in locks on outside
> doors. So if I need to make a claim, does the assessor dissect my
> locks and count the levers? Am I meant to do that before I accept the
> quote?
>
> I don't necessarily want the cheapest quote. I want a policy I can be
> sure will pay out if I need it to - in my mind that is what insurance
> is all about.
>
> So where is the best place to get a policy with no catches, and/or
> where is the best place to go for advice on insurance values?
>
> TIA
>
> --
> Steve Slatcher
> http://pobox.com/~steve.slatcher
A lot of Insurance companies these days go by number of bedrooms in
house.They normally cover your contents for up to a total of around £50k.
|
|
|
| Re: Looking for home insurance advice [message #368452 ] |
Mi, 08 März 2006 10:10 |
|
On Tue, 07 Mar 2006 21:45:50 +0000, Steve Slatcher
<steve.slatcher [at] pobox.com> wrote:
>
>So I go to a home insurance website to get a quote for a house I will
>hopefully be buying soon. And encounter a few issues.
>
>Like how much my contents are worth. OK, with a bit of effort I could
>maybe come up with a number, but are there any decent rules of thumb
>around, or a list to make sure I have forgotten nothing?
>
>And how much it would cost to rebuild the house. How am I meant to
>know that - do I get a quote from a builder?
>
>Then right at the end of the quotation process I get a list of
>conditions. Like the required number of levers in locks on outside
>doors. So if I need to make a claim, does the assessor dissect my
>locks and count the levers? Am I meant to do that before I accept the
>quote?
>
>I don't necessarily want the cheapest quote. I want a policy I can be
>sure will pay out if I need it to - in my mind that is what insurance
>is all about.
>
>So where is the best place to get a policy with no catches, and/or
>where is the best place to go for advice on insurance values?
>
>TIA
More th>n were very useful on the phone - they have 66k cover I think
for contents which is plenty for most people
If its not a standard renewal you're often better speaking to someone
on t'phone rather than filling in a form on t'internet.
--
Get money off vouchers for everything
http://www.moneyoffvouchers.co.uk
|
|
|
| Re: Looking for home insurance advice [message #368661 ] |
So, 12 März 2006 14:11 |
|
Thanks for the answers so far.
Regarding rebuilding costs, I have just found this:
http://calculator.bcis.co.uk/index.cfm#measuring
--
Steve Slatcher
http://pobox.com/~steve.slatcher
|
|
|
| Re: Looking for home insurance advice [message #373619 ] |
Mi, 15 März 2006 21:39 |
|
Steve Slatcher wrote:
> And how much it would cost to rebuild the house. How am I meant to
> know that - do I get a quote from a builder?
Whatever valuation you have done when you buy the house will AFAIK
include a rebuilding cost. (Interesting to compare with what you get
from the onlione calculator!)
The difficulty only really arises when you've owned the house 10 years,
and rebuilding costs may well be very out of step with market prices
(either up or down).
David
|
|
|
