Cheap isn’t always cheerful
LET’S face it, we all get a bit of a thrill when we unearth a bargain. But sometimes there can be a reason why something costs so little. It’s a bit like the time Adam Ant found a copy of Duran Duran’s Greatest Hits for £3.99. Adam thought he was getting a bargain, GrAnt just thought it was a lot of money to spend for a couple of coasters.
Don’t get us wrong – our InsureAnts are here to save you money on your home insurance and we’ll bring you the lowest prices on the market. But what you’ll find when you study the huge range quotes we dig out for you is that cheap does not always mean cheerful.
What you should always be looking for when you compare home insurance is a policy that suits your needs first and foremost. Once you know exactly what you’re looking for you, we’ll find it for you at the best price.
When shopping for cheap home insurance, give as much detail as possible. The number one reason for insurers not paying out claims is that the relevant information wasn’t disclosed when the policy was taken out.
A number of factors can affect the cost of your policy and some insurers will put greater emphasis on certain areas than others.
You locality plays a big part. If you live in an area which has a low crime rate, your premium will reflect this. Even if you live in an area which is considered to have a high rate of crime, you can still cut the cost by taking security measures such as a burglar alarm, CCTV, motion sensor lighting and strong locks.
Keeping your house in order
Looking after your house can also mean a saving when it comes to cover. Because buildings insurance won’t pay out for the wear and tear of your house, you must keep it well maintained. For the majority of us, a house is the most expensive thing we’ll ever buy so it’s essential to protect your investment.
If you keep your house well looked after and secure, you are less likely to claim on your policy, which will in turn protect your no claims bonus.
The crown jewels
If your home is your castle, then what’s in it will be precious to you. Contents insurance will cover your possessions against theft or damage from flood or fire. You can take out contents cover separately from your buildings insurance, or have them both combined in one policy. There’s no hard and fast rule as to which is the cheaper, so explore all your options when you get a quote with us.
One key thing to keep in mind about contents insurance is that your cover should be ‘new for old’, meaning an item that has been stolen or damaged beyond economical repair, will be replaced by a brand new item at the current market value.
And of course, the best way to save money is to compare quotes with our InsureAnts. You can also call our friendly UK-based team on 0800 479 2821*