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Contents Insurance

(54 Posts)
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dorsetpennt Mon 12-Sept-16 14:22:56

Ive just seen a piece on the news about a house fire. A woman and her children had lost everything , including those precious family photos and momentos, all due to a burning candle being left alone . The emphasis quite rightly was levelled at the danger of leaving lit candles. Nothing about the fact that she didnt have contents insurance . So now the woman has to make do with bits and bobs donated by family members. When I moved into my first flat, my father insisted I take out contents insurance . He said don't ever think it can't happen to you. And it did, in 2007 . I came home from work to see firemen trying to put out an inferno in the flat above mine. I was lucky. My flat suffered water damage so the floors and most of my furniture was damaged. All my family photos (some of which are over 100 years old) , my collection of books, my family treasures were all safe.. Most of all no people or animals were hurt.
I had both buildings and contents insurance . As both flats needed restoring and renovation I had to live in rental accommodation, all paid for by my policies . It gives me nightmares to think what I would have done without it. I'm pleased to say this also taught my grown up children to have life, contents and buildings insurance . As Dad said ' you must always afford insurance'.

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NanaRayna Wed 21-Sept-16 00:47:24

Make a note on your calendar about two or three weeks before your insurance renewal is due and do a bit of homework to find the best cover for the most affordable premium. DO NOT let the insurance company automatically renew - it is always dearer than it needs to be! Have a look at lovely Martin Lewis' moneysavingexpert.com website for help.
Last year we paid under three hundred pounds (think it was about £250) for buildings and contents insurance. Six months later we were struck by lightning and it cost thousands to put things right. Our excess was about £150 but the company paid everything we asked, and offered services we'd not have thought to ask for. Money well spent!

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lefthanded Sun 23-Oct-16 12:48:14

I was just watching TV when an advert for NFU Mutual came on, and it started that little voice in my head asking when I last renewed the home insurance. So I looked at the policy and of course it has expired - in May 2014!

Since NFU Mutual had prompted me to check, I decided to give them a chance to quote for my business. I went to their website to get a quote and discovered that they only give quotes in person. To get a quote from them you need to make an appointment for their agent to call and he will give you the quote.

I think I will get some online quotes first.

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Linsco56 Sun 23-Oct-16 13:52:21

The face to face visit will give them the opportunity to try and sell their other insurance products.

We renew ours online every year after using a price comparison site. We're currently insuring building and contents with John Lewis and they have been very competitive for the last 2 years. Their customer service rating is also good.

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