How to find cheap house insurance

How to find cheap house insurance

To find the right cover at an appropriate price, please read the ten tips below.

1. Enhance security
The less risk you give to an insurance company, the lower your premium will be. Therefore, before you start looking for covers, consider improving the security of your home.

Most insurance companies ensure minimal security before accepting customers as customers such as external door deadlocks and accessible window locks, but adding this adds a more attractive and less expensive proposition .

If you install a burglar alarm, you can get discounts from several insurance companies. Also, using a deadlock (compliant with British Standard 3621) with five levers on the door will help save money in the long run.

2. Check the recommended provider using the comparison site.
Once you are ready to purchase, the price comparison site is a good place to allow you to get estimates for many households soon. However, keep in mind that not all providers will be shown on the comparison site, please also check Direct Line, Aviva, Zurich.

Since the site is not always 100% trustworthy, check the policies you are interested in again and make sure that everything you need is what you need when you click on the provider's website.

Which one should you look at again? Recommended provider. We are reviewing more than 30 of the largest insurance companies in the market regarding the quality of insurance contracts and the quality of customer service.

For details: Which? Recommended provider - the largest insurance company on the market

3. Get only the cover you need
Everyone needs to seriously consider content insurance, but building insurance is not necessary unless you are responsible for the state of property itself. When you pay the rent, the content is necessary, but the homeowner needs to consider both.

It is usually cheap to combine covers, but please do not allow providers to overdo another building or content. Claims that affect both parts of your policy, such as fire and floods, you may see your overdelays are reduced by twice.

4. Perform an evaluation calculation
Many policyholders outperform home premiums by incorrectly calculating the value of buildings and content. When setting the value of the building itself it is necessary to give a higher market value (the cost of purchasing property in case of sale), not the reconstruction value (the cost of rebuilding property from the beginning). If you want to know the way of thinking for rebuilding your building's value, try using the UK insurance company's computer association or a commissioned survey evaluation.

Please do not underestimate your content during that time. If we need to file a complaint we can not guarantee the true value of all the content. Let's think about all items you have and the cost of replacing it with new equivalent products.

5. Pay every year (if you can buy it)
When you buy your cover you will be given the option to pay annually or monthly.

While installment may seem like a good way to distribute costs, it is usually expensive. Paying monthly is usually receiving high interest from your provider with high interest. APR will change, but it will be as much as 40%.

Please check monthly monthly fee and compare expenses and annual cover. In the comparison site, what you are planning to pay is not always clear, so please check with the insurance company directly before accepting the estimate.

6. Set correct surplus
Your insurance company will refund you the premium if you intend to further pay the excess that you have to pay in case of insurance claim. However, please carefully select the excess.

Setting the bar too high, especially if you are too close to your claim limit, will insist your premium is either too little or too high.

Huggle
In many cases, insurance companies refrain from optimum offers for new customers and boost insurance premiums for loyal policyholders. Try investigating whether you can reduce costs rather than rolling over the policy to another year. Even if you want to be with the current provider, you can use it exaggeratedly.

In November 2016, we asked over 4000 people. Whether they had taken over the cost of home insurance in the past year, about 1 in 3 people gave it. Of those 77% were offered some incentive to stay in better trading and insurance companies.

You can increase the chances that improved transactions will be offered by following the ordealized test scripts.

"I want to know why my update price has risen"
Wait for the call handler response. They will try to justify the price rise.

"I shopped on the internet and found a much better deal from your competitor than you currently offer.
Call handlers may see examples of cheaper quotations than you found. If they do not intend to defeat this estimate, please press stronger.

I shopped on the internet and found a better deal from your competition than you currently offer.
Call handlers may see examples of cheaper quotations than you found. If they do not intend to defeat this estimate, please press stronger.

"What is the minimum fee that you can tell me to protect me as a customer? If that is not better than this [cheaper estimate], I will go somewhere.
At this point, you should be provided with incentives for a kind of stay. Whether you accept it or switch to an inexpensive provider is up to you.

Learn more: yell yell - see the top ten tips for shouting

8. Consult experts
If you own the listed buildings or if you have a roof with a thatched roof, living in a residence may make it much harder to find a cover. However, if you can not find an appropriate cover using the comparison site, you can try it by many experts. Endsleigh provides covers for co-owners.Hiscox and NFU Mutual are useful if you have a thatched roof or live in a listed building.

9. Try the broker
If it is still difficult to find suitable home qualifications, please use the UK Insurance Brokers Association's "Find Broker" service. Please call 0370 950 1790 or check the details with biba.org.uk. Which one can you also contact? Money help line seeking advice on finding covers.

10. Carefully check the terms of use
After choosing the policy, carefully examine the document and see if it matches you. Make sure that you have all the covers you need, that your excess is reasonable, and that you do not include add-ons or extras that you are not looking for.