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The home insurance market in the UK is a huge business and finding the cheapest isn’t beyond the realms of possibility, although it may take a little work on your part.
There are a lot of people who think home contents insurance a waste of money yet having none is a very risky business and you could find yourself having to replace lots of items in one go if you’re unlucky enough to be burgled. When you look at the statistics, having zero insurance just doesn’t bare thinking about. In the year June 2010 to June 2011 743.000 people were burgled and that was a 10% increase on the previous year, scary figures.
Security is important, so make your home as secure as you can to ensure you continue getting the cheapest home insurance. Small changes can bring large savings on your premiums so always keep reassessing and checking to make sure your level of cover is correct.
With the current economic climate there is likely to be an increase in crimes such as theft and burglary as more people are feeling the pinch, and sadly some of them will turn to crime to supplement their income. Having home insurance in place makes absolute sense when you think about it. The cheapest home insurance can be found by various different means, most of which involves research, comparison and shopping around. Once you have decided on your level of cover you have your starting point, you must however assess your cover correctly. Once you have your base level of cover, the amount you need as a minimum, then you can add extras depending on your needs and your budget.
One thing people often fail to do is switch insurers, staying with the same company year after year is not the best option on any level. When has your insurer ever said your premiums were going down? I’d like to wager “never” will be the answer, so that’s why it’s imperative to change your provider. Insurance companies offer the best deals to new customers and that is the way to get the very cheapest home insurance cover. It may seem a bit of a pain but when you consider that by switching the average customer will save over £200, then any pain involved is nullified!
There are common mistakes people make when setting up their home insurance according to the Telegraph so check something like this out and make sure you follow some of the guidance, but keep in mind that they are not completely impartial as they end by advertising their own insurance cover.
Cutting costs is important but it shouldn’t be to the detriment of your cover. Look at the excess you have stipulated on your policy, can you afford to increase that? If you can it could substantially reduce your premiums. If you are paying monthly for your insurance can you afford to pay it in a lump sum annually as this often cuts the cost.
Reducing Your Premiums
You can do several things to help lower your home insurance premiums.