Wiseblood
Junior Member
🗨️ 1,245
👍🏻 3
May 2007
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Home Insurance, by Wiseblood on Oct 24, 2007 11:19:42 GMT 1, Everyone is always asking about home insurance and i dont think there is one actual answer on the subject, ive just gone through a long two days on the phone trying to sort a policy out, so thought id write post everything i got to see if it helps people.
I was looking for buildings and contents for a 3 bed semi worth 160k, garden, flat roof on garage, brick built in the 70s, security light front and rear, house alarm but not serviced, locks on all windows 5 lever thingymajig on front door.
£16000 worth of art, 7 pieces over the value of £1000 and a £4250 watch, £10000 of other stuff (tvs, beds ect) accidental damage on the lot.
One person living in the house, first time buyer so no previous no claims histroy.
Barclays - 0800 479 3020
£586
£297 with out the art and watch
Wesley - 0800 479 1418
£537 - everythig over the value of £500 to be declared
Insure - 0800 587 6579#
£547 - dont classify art as high risk, dont have to declare anything until it reachs 50% of the value of the home contents.
Ensleigh - 0800 389 8068
£501. 65 - dont cover anything over the value of £8000 she could have told me this before i went through and told her everything i had.
HSBC - 0800 744 844
£1875 
Norwich Union (dont have phone number sister works for them and got me a quote)
£1765.98
Post Office - 0800 107 4018
£568
Elephant.co.uk
£472
Esure, Lloyds, Saga, Quick fit, AA, Liverpool Victoria.
Wont quote me
Zurich 0845 300 2662
£403 
Egg - 0870 900 1767
£465.23 will only cover my watch up to 3k and the art up to 8k
M+S - 0800 38 999 88
£721.54 (with 10% discount as im a m+s credit crard holder)
Home Protect
£605.09
Pearl - 0870 897 0060
£474.21
Thats it, hope its some help to some one, guess i have to go back to work now 
Everyone is always asking about home insurance and i dont think there is one actual answer on the subject, ive just gone through a long two days on the phone trying to sort a policy out, so thought id write post everything i got to see if it helps people. I was looking for buildings and contents for a 3 bed semi worth 160k, garden, flat roof on garage, brick built in the 70s, security light front and rear, house alarm but not serviced, locks on all windows 5 lever thingymajig on front door. £16000 worth of art, 7 pieces over the value of £1000 and a £4250 watch, £10000 of other stuff (tvs, beds ect) accidental damage on the lot. One person living in the house, first time buyer so no previous no claims histroy. Barclays - 0800 479 3020 £586 £297 with out the art and watch Wesley - 0800 479 1418 £537 - everythig over the value of £500 to be declared Insure - 0800 587 6579# £547 - dont classify art as high risk, dont have to declare anything until it reachs 50% of the value of the home contents. Ensleigh - 0800 389 8068 £501. 65 - dont cover anything over the value of £8000 she could have told me this before i went through and told her everything i had. HSBC - 0800 744 844 £1875 Norwich Union (dont have phone number sister works for them and got me a quote) £1765.98 Post Office - 0800 107 4018 £568 Elephant.co.uk £472 Esure, Lloyds, Saga, Quick fit, AA, Liverpool Victoria. Wont quote me Zurich 0845 300 2662 £403 Egg - 0870 900 1767 £465.23 will only cover my watch up to 3k and the art up to 8k M+S - 0800 38 999 88 £721.54 (with 10% discount as im a m+s credit crard holder) Home Protect £605.09 Pearl - 0870 897 0060 £474.21 Thats it, hope its some help to some one, guess i have to go back to work now |
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Home Insurance, by mammal2 on Oct 24, 2007 11:21:58 GMT 1, good work. how you going to afford it with your fat mortgage repayments....oi oi +1
good work. how you going to afford it with your fat mortgage repayments....oi oi +1
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Home Insurance, by carlito on Oct 24, 2007 11:24:18 GMT 1, good work fella!!! ..which did u settle on?
good work fella!!! ..which did u settle on? |
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jfury
Junior Member
🗨️ 1,084
👍🏻 45
May 2007
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Home Insurance, by jfury on Oct 24, 2007 11:24:36 GMT 1, have you tried Hiscox?
have you tried Hiscox?
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Home Insurance, by Jonny Breaks on Oct 24, 2007 11:26:39 GMT 1, In teesside?....best get that alarm serviced. 
In teesside?....best get that alarm serviced. |
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Wiseblood
Junior Member
🗨️ 1,245
👍🏻 3
May 2007
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Home Insurance, by Wiseblood on Oct 24, 2007 11:28:04 GMT 1, good work fella!!! ..which did u settle on?
Havent bought any yet but probably Zurich, cheapest by miles, only have 2k left on my high risk items before i have to raise the contents cover of the house, but that was only another £30 for 10k so still cheaper
good work fella!!! ..which did u settle on? Havent bought any yet but probably Zurich, cheapest by miles, only have 2k left on my high risk items before i have to raise the contents cover of the house, but that was only another £30 for 10k so still cheaper |
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nickc
New Member
🗨️ 402
👍🏻 2
August 2007
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Home Insurance, by nickc on Oct 24, 2007 11:40:29 GMT 1, If it helps, I am on a Royal & Sun Alliance policy bought through Lloyds. They are nothing less than superb. You can specify specifics and ask for increased cover. I listed the Banksy's, a very expensive engagment ring and a couple of 3k watches. I got burgled in June (ripped the front door off the hinges so the types of locks didn't make a difference) The front door was repaired within 2 hours of calling them, the tv, stereo etc was replaced new for old within a week and the watch was paid up for within 10 days. All in it's about £600 a year and that's for a victorian conversion flat in North London. Lucky, the idiots breaking in didn't think the prints were worth taking!
If it helps, I am on a Royal & Sun Alliance policy bought through Lloyds. They are nothing less than superb. You can specify specifics and ask for increased cover. I listed the Banksy's, a very expensive engagment ring and a couple of 3k watches. I got burgled in June (ripped the front door off the hinges so the types of locks didn't make a difference) The front door was repaired within 2 hours of calling them, the tv, stereo etc was replaced new for old within a week and the watch was paid up for within 10 days. All in it's about £600 a year and that's for a victorian conversion flat in North London. Lucky, the idiots breaking in didn't think the prints were worth taking!
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redfred
Junior Member
🗨️ 1,293
👍🏻 53
May 2006
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Home Insurance, by redfred on Oct 24, 2007 11:46:39 GMT 1, Ime in Teesside and insured for qute a bit more than you are being quoted on and my premium is around £400, go online and try a quote with Directline, I was very pleased compared with what I had been paying, the only drawback with contents insurance was that you are only covered up to a max. of £1500 per item on the normal policy. Have recommended them to a few mates and they have all been pleased.
Ime in Teesside and insured for qute a bit more than you are being quoted on and my premium is around £400, go online and try a quote with Directline, I was very pleased compared with what I had been paying, the only drawback with contents insurance was that you are only covered up to a max. of £1500 per item on the normal policy. Have recommended them to a few mates and they have all been pleased.
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Wiseblood
Junior Member
🗨️ 1,245
👍🏻 3
May 2007
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Home Insurance, by Wiseblood on Oct 24, 2007 11:54:30 GMT 1, Ime in Teesside and insured for qute a bit more than you are being quoted on and my premium is around £400, go online and try a quote with Directline, I was very pleased compared with what I had been paying, the only drawback with contents insurance was that you are only covered up to a max. of £1500 per item on the normal policy. Have recommended them to a few mates and they have all been pleased.
Cheers for that mate, where abouts in teesside are you?
I have some items over the value of £1500, will try them and see if they can just declare the items, i had to do this with barclays
Ime in Teesside and insured for qute a bit more than you are being quoted on and my premium is around £400, go online and try a quote with Directline, I was very pleased compared with what I had been paying, the only drawback with contents insurance was that you are only covered up to a max. of £1500 per item on the normal policy. Have recommended them to a few mates and they have all been pleased. Cheers for that mate, where abouts in teesside are you? I have some items over the value of £1500, will try them and see if they can just declare the items, i had to do this with barclays |
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Pootle
New Member
🗨️ 130
👍🏻 55
September 2007
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Home Insurance, by Pootle on Oct 24, 2007 11:59:14 GMT 1, hiscox is very good for art and have a generous coverage policy
hiscox is very good for art and have a generous coverage policy
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carl
Blank Rank
🗨️ 0
👍🏻 1
September 2011
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Home Insurance, by carl on Oct 24, 2007 12:02:29 GMT 1, The Co op No THIS IS NOT A JOKE The Coop! call them
The Co op No THIS IS NOT A JOKE The Coop! call them |
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redfred
Junior Member
🗨️ 1,293
👍🏻 53
May 2006
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Home Insurance, by redfred on Oct 24, 2007 12:02:43 GMT 1, Monkey Hanger land !!!!
Monkey Hanger land !!!!
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Wiseblood
Junior Member
🗨️ 1,245
👍🏻 3
May 2007
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Home Insurance, by Wiseblood on Oct 24, 2007 12:06:43 GMT 1,
mammal2 doesnt belive me about monkey hangers.
Im on the other better side of the river ;D
mammal2 doesnt belive me about monkey hangers. Im on the other better side of the river ;D |
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redfred
Junior Member
🗨️ 1,293
👍🏻 53
May 2006
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Home Insurance, by redfred on Oct 24, 2007 12:08:33 GMT 1, AAAh so your a Southerner, I see!
AAAh so your a Southerner, I see!
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Home Insurance, by Jonny Breaks on Oct 24, 2007 12:10:37 GMT 1, Didnt the good people of Hartlepool vote the clubs mascot in for Mayor?
Didnt the good people of Hartlepool vote the clubs mascot in for Mayor?
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Wiseblood
Junior Member
🗨️ 1,245
👍🏻 3
May 2007
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Home Insurance, by Wiseblood on Oct 24, 2007 12:11:02 GMT 1, AAAh so your a Southerner, I see!
Yes i am, get my jabs each year and cross over the river each day to work with all the cod heads
AAAh so your a Southerner, I see! Yes i am, get my jabs each year and cross over the river each day to work with all the cod heads |
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Home Insurance, by mammal2 on Oct 24, 2007 12:11:54 GMT 1, mammal2 doesnt belive me about monkey hangers. Im on the other better side of the river ;D
never happened...
mammal2 doesnt belive me about monkey hangers. Im on the other better side of the river ;D never happened... |
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redfred
Junior Member
🗨️ 1,293
👍🏻 53
May 2006
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Home Insurance, by redfred on Oct 24, 2007 12:12:50 GMT 1, LOL Well Ive got to get down to Tesco now to go and look at all the Trollies!
LOL Well Ive got to get down to Tesco now to go and look at all the Trollies!
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Wiseblood
Junior Member
🗨️ 1,245
👍🏻 3
May 2007
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Home Insurance, by Wiseblood on Oct 24, 2007 12:41:44 GMT 1, Breitling for Bentley GT Raceing
Breitling for Bentley GT Raceing |
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Home Insurance, by dave313perry on Oct 24, 2007 12:43:20 GMT 1, Breitling for Bentley GT Raceing
I got one of them, cost me £16
Breitling for Bentley GT Raceing I got one of them, cost me £16 |
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njr911
Junior Member
🗨️ 2,381
👍🏻 420
April 2007
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Home Insurance, by njr911 on Oct 24, 2007 12:53:21 GMT 1, Oohh nice ! Watch porn thread time! ;D
Oohh nice ! Watch porn thread time! ;D |
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Wiseblood
Junior Member
🗨️ 1,245
👍🏻 3
May 2007
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Home Insurance, by Wiseblood on Oct 24, 2007 12:56:34 GMT 1, Oohh nice ! Watch porn thread time! ;D
That is nice, are you a pilot?
Oohh nice ! Watch porn thread time! ;D That is nice, are you a pilot? |
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Home Insurance, by mcnuts on Oct 24, 2007 13:00:03 GMT 1, sweet jesus, you guys ever seen American Psycho? The part where they all whip out their business cards? Just like that.
sweet jesus, you guys ever seen American Psycho? The part where they all whip out their business cards? Just like that. |
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Home Insurance, by mcnuts on Oct 24, 2007 13:00:46 GMT 1,
American Psycho: Business Card Scene
American Psycho: Business Card Scene
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redfred
Junior Member
🗨️ 1,293
👍🏻 53
May 2006
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Home Insurance, by redfred on Oct 24, 2007 13:06:12 GMT 1, 18ct solid gold Omega Speedmaster , rare as hens teeth!
18ct solid gold Omega Speedmaster , rare as hens teeth!
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Strange Al
Junior Member
🗨️ 1,293
👍🏻 64
October 2006
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Home Insurance, by Strange Al on Oct 24, 2007 13:08:16 GMT 1, 
A true design classic and only £14.99 from Argos. Plus more in keeping with the ethos of street art than any £5K Breitling or Rolex.
A true design classic and only £14.99 from Argos. Plus more in keeping with the ethos of street art than any £5K Breitling or Rolex. |
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Home Insurance, by howlinhooker on Oct 24, 2007 13:11:05 GMT 1, A true design classic and only £14.99 from Argos. Plus more in keeping with the ethos of street art than any £5K Breitling or Rolex.
A true design classic and only £14.99 from Argos. Plus more in keeping with the ethos of street art than any £5K Breitling or Rolex. NICE WATCH MATE I LIKE IT ;D!!!!!!!!!!!!!!!!!!!!!!! |
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Curley
Junior Member
🗨️ 2,012
👍🏻 7
June 2006
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Home Insurance, by Curley on Oct 24, 2007 13:11:11 GMT 1, mammal2 doesnt belive me about monkey hangers. Im on the other better side of the river ;D
tis true mammal they are known as monkey hangers...
mammal2 doesnt belive me about monkey hangers. Im on the other better side of the river ;D tis true mammal they are known as monkey hangers... |
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Home Insurance, by mcnuts on Oct 24, 2007 13:11:57 GMT 1, atta boy JJ..... you have a PM re a watch swap.
atta boy JJ..... you have a PM re a watch swap. |
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