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Internet or phone?
Most insurance companies give a substantial discount if you take your home insurance out via the internet.
There is no doubt that for normal risks, on houses with a rebuilding cost of less than £1 million and contents less then £125,000, it is usually more cost effective and quicker to use the internet (unless you have made several claims in the last three or five years).
If the rebuilding cost of your house is in excess of £1 million or your contents are over £125,000 or you have expensive valuables, ornaments, works of art etc. it would be better to talk to a good broker on the phone.
The broker would need to arrange a company that would be happy to take the risk at an acceptable premium and would probably need to do a survey of the property to assess the condition and any potential problems.
If you have extensive valuables the broker would need to know your security arrangements, ie locks, safes, alarm systems etc.
For properties over £1 million rebuilding costs and over £125,000 contents the best companies to try are:
• Hiscox
Phone: 0845 330 4105.
• NFU
Phone: 0870 845 8458 (High tariff).
• THB (Thompson Heath and Bond)
Phone: 0207 377 5060 – a reputable intermediary. |
