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Home Insurance Comparison UK © Copyright 2011 - 2014
Saving money on insurance is very easy and worthwhile as you can maintain your cover yet keep more money in your pockets.
You have probably had home contents insurance for many years and not given it a second thought. The majority of us stick with the same insurance provider and just automatically renew year after year as it’s easy, quick and painless. We are in fact doing ourselves a great disservice by not doing some home insurance comparison exercises. The usual excuses will abound, I don’t have time, I’m happy with what I’ve got and the classic, the wife/husband/other half deals with that and I don’t get involved! It really is about time we got out of our safe little rut, stuck our head over the parapet and dived into some research on home insurance.
To establish the correct level of cover you really need to walk through every room in your home and make a note of everything you have and give it an approximate value. Most people underestimate the value of what they do possess, so be careful when deciding on your level of cover, and do get a few home insurance comparison quotes before you sign on the dotted line.
The dark, secretive and hidden world of insurance has now been revealed to us the public with the advent of price comparison sites and impartial advice becoming available. We all want the best value for our outlay and it’s never more important than with insurance. The costs of insurance always increase and recently it’s the excess on policies that has risen, as insurers say that keeps premiums lower. All we ever see is increases and never decreases.
The world of insurance is one that makes people very unhappy sometimes, and insurance is an area the Financial Ombudsman Service receives a high percentage of complaints. I think the main reason we have problems with insurance is generally lack of understanding, and that makes it imperative to arm yourself with knowledge. Knowledge is power and having as many home insurance comparison quotes as you can is knowledge as you can then examine each quote in detail. You do need to invest some time investigating your home insurance, but it can reap huge rewards in the end.
Comparison shopping is no different to any other type of comparison exercise.
Let me ask you a question, would you always go to the same shop for your clothes or shoes all of the time without fail, never deviating from that shop or looking at others? No, I didn’t think so, so why do we often find that to be a prevailing attitude with any kind of insurance. The thing that puts many off is they think it will be complicated and time consuming, and, up to a point that is true, but home insurance isn’t rocket science or quantum physics it’s not a hugely difficult thing to grasp the basics of and do some home insurance comparison work. At its most basic level home contents cover is put in place to cover the cost of your possessions in your home should they be stolen, damaged or destroyed. To borrow from our friendly little Meerkat superstar ‘simples’! Naturally there is a little more to it than that and there are all kinds of permutations with policies and what you are and are not covered for.