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Deleted member 1465
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- Jul 31, 2018
- 6,914
I'm looking for some practical advice here as I can't get it anywhere else and people on here tend to be nothing if not pragmatic.
I'm trying to get home insurance in the UK.
I have an underlying suspicion that all insurance is a huge con and a mass delusion that we all buy into. I think this after years of car insurance and being more out of pocket from making a claim than avoiding claiming.
So far insurance had always been a legal requisite to me and nothing more. I'd go for the cheapest quote then not use it unless I had to for legal reasons.
Home insurance is different. It's not a legal requirement and if you are going to get it, you want to know it's going to function when you need otherwise there's no point in buying it no matter how cheap a quote you get.
So I've been on the price comparison websites and researched the companies that offer quotes.
But I've seen an alarming pattern.
On review sites like trustpilot, all the positive reviews for a company are reviews of the buying process, often solicited by the company itself. Well or that's bound to be a positive experience isn't it? They are going to be good at taking your money.
Meanwhile all the bad reviews are from people who have made a claim and have had the insurer try to wriggle out of it, usually also with bad customer support and avoidant tactics. The shoe is so often on the other foot when they are paying out rather than taking payment.
So I tried a broker, only to get a quote of double the price for less cover, from a company that still has some bad reviews about the claiming process.
Worth noting that I realise bad reviews are biased and come from someone with an axe to grind and we don't see the full story. Also that it's rarer to see good reviews about an actual claim, people just don't bother usually.
So where lies the Toad of Truth in this Swamp of Confusion?
Does anyone in the UK have any positive stories about home insurance companies based on having actually made a claim?
I asked this question on MoneySavingExpert but got no replies.
I'm trying to get home insurance in the UK.
I have an underlying suspicion that all insurance is a huge con and a mass delusion that we all buy into. I think this after years of car insurance and being more out of pocket from making a claim than avoiding claiming.
So far insurance had always been a legal requisite to me and nothing more. I'd go for the cheapest quote then not use it unless I had to for legal reasons.
Home insurance is different. It's not a legal requirement and if you are going to get it, you want to know it's going to function when you need otherwise there's no point in buying it no matter how cheap a quote you get.
So I've been on the price comparison websites and researched the companies that offer quotes.
But I've seen an alarming pattern.
On review sites like trustpilot, all the positive reviews for a company are reviews of the buying process, often solicited by the company itself. Well or that's bound to be a positive experience isn't it? They are going to be good at taking your money.
Meanwhile all the bad reviews are from people who have made a claim and have had the insurer try to wriggle out of it, usually also with bad customer support and avoidant tactics. The shoe is so often on the other foot when they are paying out rather than taking payment.
So I tried a broker, only to get a quote of double the price for less cover, from a company that still has some bad reviews about the claiming process.
Worth noting that I realise bad reviews are biased and come from someone with an axe to grind and we don't see the full story. Also that it's rarer to see good reviews about an actual claim, people just don't bother usually.
So where lies the Toad of Truth in this Swamp of Confusion?
Does anyone in the UK have any positive stories about home insurance companies based on having actually made a claim?
I asked this question on MoneySavingExpert but got no replies.