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Get
cheap UK home insurance |
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Here is a list of tips that
could help you receive a lower or relatively cheap insurance quote. Many factors
come into play when you are being considered for a policy and the lower a risk
the insurance company perceives you to impose, the lower your quote will be. Some
insurance companies are less inquisitive at first point of application than others,
so if you think there are certain factors which make you a lower risk candidate
then make your insurance company aware of this and ask them if you qualify for
a discount / low cost premium. It is also very easy to simply contact your home
insurance company and ask them for advice on how to save on your premiums - they
should be happy to help you.
- The higher your level of excess (the amount of a claim that you promise to
pay before your insurance company steps in), the lower your insurance premiums
will be. In some cases you can save up to 25%.
- Many UK home insurance companies will give you deductions in your premiums
if you have taken measures to make your home resistant to intruders or disaster.
If you meet a designated level of security then many insurers will give you a
discount on your premiums. Ask your insurance company about discounts for particular
features such as smoke alarms, burglar alarms and mortice deadlocks. Companies
usually only approve certain brands so ask your insurer before you start adapting
your home.
- If you consolidate your insurance you can also save money by qualifying for
discount / low cost premiums. Taking out different policies, such as life, home
and car insurance, with the same company can give you loyalty benefits.
- Make sure that you have insured your house for the correct amount. Do not
confuse the market price with the rebuilding
cost or you will be paying over the odds, unnecessarily, for your premiums.
- Seek out insurance discounts. With many companies over 50s can receive a
special price on their premiums. Sometimes you can get low cost insurance if you
are a member of a selected trade union or organisation. Look around and see if
there is a discount to suit your situation.
- Join your local neighbourhood watch scheme. If there is not one in your area
then you can always set one up yourself. Insurance companies will take this into
consideration when calculating your quote.
- Keep your policy details up to date and review them annually. If you have
parted with possessions insured under your contents policy then inform your insurer
to prevent paying more than you need to for your premiums.
- Some UK home insurance companies will reward customers with a claim-free
history with discounted premiums. Ask your insurance company about this if you
are unsure of their position.
- You can usually extend your contents insurance to cover valuable items whilst
removed from your house and in this way you could save on travel insurance. Ask
your insurance company for details.
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Media Group Limited which is authorised and regulated by the Financial Services
Authority.
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