Easy Home Insurance Comparison Shopping
Finding and purchasing home insurance has become easier because of specialised web sites set up for consumers. Some of these websites specialise in insurance products, and others compare all types of financial products. But while comparing buildings insurance or contents insurance via these websites is convenient, as with all other types of comparison shopping, always use more than one website.
Also, have the requirements for your insurance written down so you request exactly the same thing on each website. For example, if you’re looking for contents insurance to a value of £10,000, make sure you use that same request each time. Otherwise, your cost estimates will not be valid.
Most of these websites accept advertising money from companies. While it may not make the site completely unbiased, the advertisers often agree to offer special terms, even temporarily, to help “drive” people to the comparison website. You may see offers of 12 months cover for the price of 9 months, or discounts for the first 6 months or year of cover.
But each company may not offer the same savings on each website, so it pays to shop around, even amongst comparison websites. And don’t forget savings to which you may be entitled as a student, over-50, or member of a professional organisation. Sometimes these will be available via comparison websites, but often they aren’t. So don’t stop at the comparison website. Use it as your base for even greater savings.
Contact the insurance companies in which you’re interested, give them the quote from the comparison website, and ask which discounts you’re eligible for based on your status as a student, etc. You may be pleasantly surprised to learn that you can add a discount on top of the quoted rate.