House and Contents Insurance.

[Cranfield]

We insure with Churchill Insurance and every year when its renewal time, I shop around.

Usually I can't beat them, or if I can, its by so little that its not worth changing.

 

Last years premium was £365 and this year they wanted £386.

I telephoned and asked why it had gone up, as I haven't claimed and got the usual load of flannel.

The real answer was because loads of other people have claimed.

 

Anyway, I went off and shopped around via the Internet, only going to "reputable" Companies that I have heard of.

Saga offered the best like for like deal, with an annual premium of £281.40.

I went back to Churchill and without hesitation they matched it, that represents almost a 30% reduction in premium.

 

OK, I was pleased to be able to save £104.40, but annoyed that Churchill couldn't have offered me that premium in the first place.

I understand the "retention of business" logic,. etc, etc, but its still irritating me.

[garyb]

That's insurance Cranfield...

 

Spawn of satan if you ask me...

 

I've saved over £400 with a broker I now use for both home and motor

[BSA Shaun]

Direct-Line saved me a packet

[shaun4860]

We insure with Churchill Insurance and every year when its renewal time, I shop around.

Usually I can't beat them, or if I can, its by so little that its not worth changing.

 

Last years premium was £365 and this year they wanted £386.

I telephoned and asked why it had gone up, as I haven't claimed and got the usual load of flannel.

The real answer was because loads of other people have claimed.

 

Anyway, I went off and shopped around via the Internet, only going to "reputable" Companies that I have heard of.

Saga offered the best like for like deal, with an annual premium of £281.40.

I went back to Churchill and without hesitation they matched it, that represents almost a 30% reduction in premium.

 

OK, I was pleased to be able to save £104.40, but annoyed that Churchill couldn't have offered me that premium in the first place.

I understand the "retention of business" logic,. etc, etc, but its still irritating me.

 

 

Errrm...isnt saga for old people?....

[soreshoulder]

exactly shaun

[ChrisNicholls]

I always seem to do quite well by going to moneysupermarket.com saved loads there over the years.

 

For home and contents I have found the AA to be good at the moment, arranged with Axa at the moment.

[dunganick]

ive had a similar situation (car insurance), due to an accident i decided to renew with tesco untill the liability of the accident was decided (made things simpler i though, plus they were competitive) a few weeks ago when it was sorted i asked them to amned my policy so that my no claims would be back to 1 year, fine, they offered me £500 back, this being half the difference between the internet price i had for my renewal, so i asked them to check, ok yes we missed £65 they came back with, still missing in the region of £400 i asked again. They simply said of course you cant expect the same rates as on the internet. So i asked if i cancelled now and then renewed with them on the internet i would save potentially alot of money, or as it works out not alot (as policy has been running 3 months) however would get an extra 3 months insurance for nothing. Yes she replied, however you would be set back 3 months on your no claims bonus.

 

So basically im trapped paying over the odds for something and they wont tell me how much my policy is worth if i want to cancell it either.

 

And i still dont have my excess back.

 

Tip: dont have accidents, cars can be replaced, but thats about all you will ever get back out of the insurance company.