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[tunnie]

What is a good price? Never had to pay building insurance before (living in a flat) Current providers Avivia, who were way cheaper than Direct Line want £39.40 a month at my *hopeful* new place.

Halifax just offered price of price of £27 a month, with no charge for direct debit.

Both are basic policies, with no extras. Although with Halifax I have asked about the garage 

They said tools & parts are covered (as long as its not business use) up to £5k for theft, and unlimited for fire/flood. Also questioned what proof was needed, stated photos and such would help for high value items, but most not required. 

House is 1930's approx, detached in Surrey.

[Taxi_Driver]

Always good to make sure accidental damage is included on contents policy 

[tunnie]

Always good to make sure accidental damage is included on contents policy 

It is on the Halifax, not sure with Aviva.

So if I drop TV ect, that is covered. But if I decide to knock a wall down and cause damage, that's not covered   

[TheBoy]

What are you saying your contents are?

Read small print, you'll find what your are told over the phone becomes invalid when they "lose" the recording.

It seems, as I've found out, that items that are deemed to belong on a car, are usually not covered by fire/flood, by the home policy (may be by the car's policy).

[SandBoy]

Got mine for about the same per month,(starts tomoz) had a row with the last lot as they didn't tell me subsidence wasn't included!!
And if that's down South, that's pretty good methinks

[TheBoy]

Always good to make sure accidental damage is included on contents policy 

It is on the Halifax, not sure with Aviva.

So if I drop TV ect, that is covered. But if I decide to knock a wall down and cause damage, that's not covered   

Depends if its deemed you were moving it, as some policies may exclude that activity...

[tunnie]

What are you saying your contents are?

Read small print, you'll find what your are told over the phone becomes invalid when they "lose" the recording.

It seems, as I've found out, that items that are deemed to belong on a car, are usually not covered by fire/flood, by the home policy (may be by the car's policy).

Contents, no item worth more than £10k. Just "standard" contents 

Told it's unlimited for contents, I did question them several times, going to to say spanners and such plus spare parts, if they are covered.

But as you say need to read the docs.

[Taxi_Driver]

Always good to make sure accidental damage is included on contents policy 

It is on the Halifax, not sure with Aviva.

So if I drop TV ect, that is covered. But if I decide to knock a wall down and cause damage, that's not covered   

Or accidentally knock over a tin of paint when redecorating if you want a new carpet

No, im not going lead the lad astray ... 

[TheBoy]

I'm expecting mine to increase dramatically 

[TheBoy]

Also, is it replacement (new for old) or not?

[tunnie]

Also, is it replacement (new for old) or not?

Errr, good question, will double check that 

[albitz]

Never had contents insurance. Never regretted it - so far.

[Taxi_Driver]

Actually talking of dropping tv's ...... if you tell the insurance that you were moving it and you slipped and dropped it....that'll probably be ok......but i know of someone who told their insurance their 40" TV fell of the wall (which it did!) , the insurance comp told them, not covered for wall mounted tv's!
So Beware!

[Field Marshal Dr. Opti]

Shop around, Mr Tunnie.

We pay about £150 p.a. This includes both buildings and contents cover.

However,  it does not include any unnecessary 'bells and whistles'......which the insurers love to push.

[tunnie]

Shop around, Mr Tunnie.

We pay about £150 p.a. This includes both buildings and contents cover.

However,  it does not include any unnecessary 'bells and whistles'......which the insurers love to push.

That's a good price, but very different area.

Will ring around a few companies