When it comes to getting home insurance quotes, it is important to make sure you are getting the right information. It is not uncommon for people to get a quote, choose the cheapest one and later discover that they have not bought the cover they thought they had. So, how do you avoid falling into this trap?
Tips for Getting Home Insurance Quotes
Generally speaking, the more home insurance quotes you get the better. By all means use price comparison websites, but do not forget that not every insurance company works with each comparison website, so it is wise to get quotes from more than one. If you know of a good insurance broker ask them too.
It is very important to give everyone you ask for a quote the exact same base information. This considerably increases the chances of your getting back true like for like quotes. If you tell one insurance company, you are looking to cover £10,000 worth of contents and another you only need cover for £3,000 you will not get like for like quotes. The quote for £3,000 worth of cover will naturally be far lower than the quote for the £10,000 worth of cover.
Usually buying contents insurance as well as building insurance from one company is cheaper. Therefore, it makes sense to ask for this kind of quote from all companies who provide both types of insurance.
Whittling Down Your Home Insurance Quotes
Once you have some quotes in front of you, it is time to narrow down your options and to decide on which you will use. Throw out any that are far more expensive. You can ask for a discount, but typically, you will not get much more than a 10% discount, so get rid of the really expensive quotes straight away.
Take the three cheapest home insurance quotes you have and double check to see that everything you need covered is included. Now you can either sign up with the cheapest firm, or if you want, try to get a further discount. Some, but not all, firms will better a competitor’s quote.
Visit the UIA website for home insurance quotes . UIA is a Mutual company, so they offer particularly competitively priced policies.