There are a lot of
online house insurance outlets which, broadly, fall into two camps. The
price comparison sites or systems and the direct house insurance
providers. The latter includes not just direct house
insurance companies but brokers as well.
Most people like to use a 'one form checks all' system to compare house
insurance quickly and easily for a cheap quote that is likely to beat
their policy renewal price. It then takes only a moment to complete the
process and buy house insurance online, often making considerable
savings in this way.
We list our selection of three top price comparison systems above. The
most popular here is Quotezone, while, at a national level, Gocompare
is more popular, partly because it's a more prominent brand. The
award-winning Tesco Compare is also a good choice for house
insurance quotes.
In addition to these comparison services, you may also wish to consider
buying house insurance direct from a leading house
insurance provider. We list several and you can get to their pages here
via the links below. Although a less used route to completed policy
purchase, going direct is worth considering on the basis of better
quality control, given that our direct insurers offer quality house
insurance cover at competitive rates.
In fact, we think that our direct insurance services for house
insurance and across the board are under-utilized in favour of price
comparison systems. It seems likely that many consumers are buying
rather limited, no frills, insurance products simply because they are
particularly cheap which, arguably, is somewhat self-defeating if a
claim is required, as they can leave much out and tend to have high
excess payments.
It seems to us that many buy the cheapest house insurance
that they can find then gamble on never needing to claim. As there is
no legal necessity to insure your dwelling, in contrast to the legal
necessity to insure your car, there is no basis on which to see it as
simply a box-ticking excercise. The cover matters and only you will
suffer if you get it wrong.
In conclusion, it would be pointless for us to attempt to dissuade
people from using price comparison sites in an article like this. But
we do suggest caution. Know what you're getting and give some thought
to which policies appear to match what you might actually want if a
claim becomes necessary. We woujld suggest that a glance through what
direct house insurance providers are offering as standard
is not a bad starting point.