Get the right quote for you
To make sure you get the right level of cover for your needs at the best price, we’ve put together some top tips to bear in mind when looking at home insurance quotes.
Following these tips could mean you receive more discounts, and improve the safety and security of your home.
Get the right level of cover
When working out the value of your possessions for a contents insurance quote, try to be as accurate as possible.
Making a guess isn't ideal – underestimate and you won't be fully covered, overestimate and you might pay more than you need to. It's a good idea to make an inventory, then add a little extra for items you may have missed.
Buy Building and Contents together
You often receive a discount for buying your buildings and contents insurance from the same company. For example, choose Virgin Home Insurance contents and buildings cover and save 10%.
(Don’t forget we give you an extra 5% discount if you buy online too.)
Introductory offer. Discounts to be deducted consecutively from your individual premium over the term of the policy. Minimum premiums apply. Offer ends 31/08/09.
Set a voluntary excess
Generally the higher you set your voluntary excess the cheaper your insurance, so check you have yours at the right level. It's important that you can comfortably afford your excess, so don't increase the amount if you would be out of pocket in the event of a claim. And remember there may be a compulsory excess to pay too.
Attention to detail
Try to answer every question accurately and in full when you get a home insurance quote, even if you can’t see the relevance.
Every insurer has different criteria for working out their prices and the extra information could add up to significant savings. For example owning a dog could be seen as an added burglar deterrent, and if you don’t smoke you may be less likely to claim for fire damage.
Secure your home
Burglar alarms, window locks, door locks and outside lights are all great deterrents and will make it harder to break into your home. These security features often result in a cheaper quote too.
If you are contemplating having an alarm installed and need additional advice, contact your local Crime Prevention Officer who will be happy to offer you further guidance.
If you liked this, see our handy ways to cut the cost of living.
