I am with Liverpool Victoria with my car and they are by far the best. I got a very good quote from them on the internet for the home insurance.Does anybody agree with this or does anyone know of a better one?
I had been with HSBC for 4 years paying triple if the Liverpool Victoria premium and we had a water leak into the front room, they wouldn't pay, a leak into the kitchen from the bathroom and they wouldn't pay and now the integrated fridge broke down and they wouldn't pay.
2006-11-01 08:41:06 · 7 answers · asked by The Face 3 in Business & Finance ➔ Insurance
Well , my fridge broke down a week ago and I am with HSBC and they are expensive and won't pay out.
So I guess I wnat one that covers leaks, broken appliances. So cheap and most likely to pay out would be good.
Most likely to pay out would be better.
2006-11-01 09:25:26 · update #1
Sorry to hear of your problems with Insurance.
Most UK policies will provide cover for damage caused by escape of water (eg a leak).
The Insurance will pay for the cost to repair the damaged caused by the leak (eg water damage to carpet etc) - It will not repair the leak itself.
This would be the same situation with Liverpool Victoria.
The same applies to your fridge breakdown - Your home Insurance policy will pay to replace the damaged food caused by the breakdowm, but it will not replace or repair the fridge.
There are seperate Insurance policies available to cover the breakdown of white goods in your home (eg, fridge, freezer, washing machine etc), but these are expensive and will only provide cover if the items are less that 2 or 3 years old - This means the more your need it (because your white goods are getting older and more likely to brekadown), the less likely they will insure you.
I'm not sure you will get any insurance to cover you for the cost of repairing a leak - try you Water Company, as sometimes they have a policy which will pay for one of their engineers to come out and fix the problem - but I think it is expensive for what you get.
With regards to the best Home Insurance company in the UK, I suggest you speak to a local Insurance Broker - Cheap isn't always the best. I would recommend you make sure any quotation includes Accidental Damage as a minimum. You may also want to opt for cover outside your home (eg jewellery, bikes, camera equipment etc) - but this will cost extra.
Good luck with your search.....
2006-11-02 00:42:24 · answer #1 · answered by canarian.frank 2 · 0⤊ 0⤋
Based on your bad claim experience, now you know that the best company is not always the cheapest. It is definately the company that will look after customers in the event of a claim and not rip them off in the process for premiums.
House insurance is postcode rated and each insurance company will assess a postcode differently for premiums charged. The best way to deal with this is by either having a pro-active insurance broker or conducting your own research for claims being met and premiums being charged.
2006-11-01 09:42:20 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Norwich Union.
2006-11-01 09:20:55 · answer #3 · answered by Anonymous · 0⤊ 0⤋
I changed mine to More Than and halved the premiums
2006-11-01 09:48:48 · answer #4 · answered by Philip W 7 · 0⤊ 0⤋
what constitutes "best"? Cheapest? Most likely to pay out? Let us know that, and we can probably answer your question
2006-11-01 08:49:18 · answer #5 · answered by Ali C 3 · 0⤊ 0⤋
Try
http://www.moneysupermarket.com/insurancedefault.asp?Source=MSSEMSN
They compare quotes from insurers so this website should be able to help you
2006-11-01 09:13:23 · answer #6 · answered by Baps . 7 · 0⤊ 0⤋
try www.budget.co.uk
2006-11-01 08:45:05 · answer #7 · answered by hharry_m_uk 4 · 0⤊ 0⤋