Getting the best home insurance quote couldn’t be easier and with the latest tips and advice from Policy Expert, you’ve come to the right place! Read our handy checklist to make sure you’re not paying over the odds for your home insurance.
1. Get the right cover. Work out what you need from your insurance and then make sure you’re as low risk as possible. Install approved locks on all windows and doors, fit a NACOSS standard alarm system and buy a safe for your valuables.
2. Make sure your sum insured is correct – this way you won’t be paying for cover you don’t need or end up being under-insured.
3. Increase your excess. By upping the first part of any claim you have to pay out of your own pocket, you’re effectively decreasing the risk to the insurer. By increasing your voluntary excess you may see your premiums fall in cost. Make sure you're completely comfortable with the excess amount, as you would have to pay this in the event of a claim.
4. Don’t be tempted to renew with the same insurer just because it’s easier. Almost all insurance providers fight for new business and offer much cheaper prices to draw you in.
5. Don’t automatically opt to pay monthly. Yes, it can take the heat off by spreading the cost but you may be stung with a fee for the privilege. If you're able to pay the annual premium - it may save you some cash.
6. Compare prices from a range of suppliers on the web using our quick and easy comparison tool. Our easy-to-view quote screen lets you easily see the most relevant quotes for you and what cover they provide. You can also ‘tweak’ the quotes to tailor the policies to fit your specific requirements to find the best home insurance quote.
7. Look for cash-back incentives and special deals – combining buildings and contents for example could qualify you to get the best home insurance quote you can find. You’ll also be notified about special deals on motor, life and holiday cover from the same supplier, which can reduce your costs even further on future purchases!
Read more in our home insurance guides or get a home insurance quote now.