In many cases, if
you get your home and contents insurance from the same provider, this
can lead to cost savings to your premium. Our 'direct' link above
allows you to see what different well-known home insurers are offering
with regard to this. You can also check this question out via the price
comparison sites we work with (also above).
More people use our direct home and contents insurance
listings here than is usual for some other categories of insurance on
this site where price comparison systems are more popular. Indeed,
M&S home insurance is highly popular as it offers much at low cost;
so perhaps this is not surprising. (You can link to them
below).
Thus, even if your instincts are to do a home and contents
insurance comparison, do take a quick look at our direct listings first
to see what you can get from some of the top UK insurers. Generally,
these policies provide impressive cover for little more than the very
cheap cover that tops price comparison system pricing results. If you
go very cheap, you could be sacrificing much for very limited cost
savings.
Price comparison sites are attractive to most because of the potential
substantial savings that they may realise on their renewal quote for home
and contents insurance cover. When a particularly low price is
displayed before you, it is tempting to select and buy the associated
policy, perhaps assuming that the cover will be acceptable without
actually checking it in any great detail.
This approach is likely to leave you exposed to significant costs,
however, if a claim is filed later. A very cheap home and
contents insurance policy, by definition, has to pass more
costs onto you to reduce the premium in the first place. And, be in no
doubt that the popular use of price comparison sites ensures that there
are a lot of these paired down policies out there that feature
prominently in the results presented to you by price comparison sites
because that's what these policies are designed to do.
But should you actually choose to seek out one such policy as a 'good'
choice? That's highly questionable, of course, and it's the reason why
people need to exercise more caution in the way they use price
comparison sites than they perhaps routinely do. You should always know
exactly what you're getting and ask yourself whther you'd be happy with
it if a claim is needed.