We aim to cater
for all of our users' needs. Thus, whether you prefer to go direct or
use a price comparison system to get home insurance quotes, it couldn't
be easier to find what you need here.
Given that most favour using a price comparison system for their home
insurance quotes, under what circumstances is it a better choice to go
direct? Well, in fact, we recommend going direct routinely rather than
using a home insurance quotes comparison service. Why so?
When you check out some of the biggest direct home
insurance quotes providers as listed here, you quickly notice that the
cover they offer is superior to the budget-focused policies that rank
well on price comparison sites. Thus, when you apply a quality filter
to the process, going direct begins to make more sense.
The problem that most perceive with the latter course, however, is that
if they do not compare numerous home insurance quotes, how can they be
sure that they are getting truly cheap prices via the direct route?
Actually, the later concern becomes less of an issue when you consider
the following points.
Firstly, home insurance quotes comparison sites throw all of their home
insurance providers' policies into the mix when they compare prices. A
huge range of prices is then generated in their results which in most
part is simply due to failing to compare identical cover. As you'd
expect the policies that offer less are much cheaper than those
associated with more inclusive cover.
Secondly, when you compare similar policies from the leading providers,
you soon find that home insurance quotes vary little in
price. If this seems surprising or implausable, it may help to consider
for a moment the nature of the home insurance market place in the UK.
Every month, somewhere around two million people search on Google for
home insurance. Although a huge market, it is over-crowded with
insurance providers and this is why, for example, insurance companies
advertise so much on commercial TV channels.
The effect of this fierce competition is to drive down prices of home
insurance quotes. The leading brands are acutely aware of their
competitors' pricing and to maintain market share they simply cannot be
significantly different on price.
When you take account of the above arguments, it becomes apparent that
the UK's fondness for price comparison sites as the resource of first
choice for home insurance quotes may be misguided.
Certainly, that is the position we take here.
Our advice? Have a look at some direct home insurers to see what
excellent policies are out there. By and large, the market sees to it
that the price you pay will be about right for the cover you've
selected, whether or not you personally compare home insurance quotes
or not.