fred7
Member
Registered: 17th May 04
Location: Rugeley, Staffordshire
User status: Offline
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After moving into the house with buildings and contents ive been called by different "sister" company's for different insurances like drains and heating. Who do you use if you use any and which cover do you have? Im with swinton for buildings and contents and homeserve for drainage. Had critical/life insuance through bright grey as well.
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VrsTurbo
Premium Member
Registered: 8th Jun 10
User status: Offline
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You pay insurance for your drains :S
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John
Member
Registered: 30th Jun 03
User status: Offline
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I've got life which I grudge paying then buildings/contents.
Never been into this whole insuring everything thing. Especially every piece of furniture you buy. I expect stuff to break.
Other than the house, or my life, which would be a bit of a downer, I expect everything else to get damaged or fail at some point, that's what happens in life.
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fred7
Member
Registered: 17th May 04
Location: Rugeley, Staffordshire
User status: Offline
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I dont insure items when i buy them. The drains cover is £2 a month for the plumbing and drains. First time buyer so sort of covering everything if i can. VRS i hate paying for the life insurance as well alot of bloody money if you dont need it also if you hit hard times and have to cancel the payments never getting anything back!
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Pop
Member
Registered: 8th May 03
Location: Reading
User status: Offline
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Which insurer is your buildings & contents with via Swinton?
We have buildings & contents cover only.
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dannymccann
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Registered: 9th Aug 06
Location: Doddington, Lincolnshire
User status: Offline
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I've just gone for boiler cover from Npower through Top Cashback (£60 back and a free service included, so it almost pays for itself), but only because we've got a little one on the way in December and I really would rather not have the heating / water gone for an extended period of time.
We have life, buildings and contents (only basic though). Can't imagine you would need drain cover for at least first 2 years (you're in a newbuild right?) because you could just call the builder out to sort it, if they are half decent anyway.
Other than that no other products, certainly not on TV's, washing machine etc. It comes with at least a 2 year warranty anyway
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Cavey
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Registered: 11th Nov 02
Location: Derby
User status: Offline
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I know you got a new build like ours Danny, our boiler broke about 6 months ago, the guy we had round said it was a mongrel job that the builders had done on the cheap. Should be one type of boiler. But they modified it and changed it to an enclosed system or something. He reckons we'll need another in a few years as it'll fuck up. So would say that's definitely worth it.
(He's a family friend too, so don't think he's fucking us)
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gazza808
Member
Registered: 30th Jun 08
Location: Peterborough
User status: Offline
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An insurance advisor once told me...
'Insure your car because its the law, insure your house because its all you've got if something happens, and fuck everything else'
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fred7
Member
Registered: 17th May 04
Location: Rugeley, Staffordshire
User status: Offline
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Yeh mines a new build ive got a cool off period anyway so will cancel if its a waste of time.
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VrsTurbo
Premium Member
Registered: 8th Jun 10
User status: Offline
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You have a new build things should last for 3years anyway so i wouldnt bother with any other insurance apart from buildings and contents.
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RichR
Premium Member
Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
User status: Offline
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would you need buildings insurance on a new build? Assuming that you won't be making any modifications in the first few years anyway, surely the NHBC warranty would cover structural defects or the cost of rebuilding. Can you even get Contents insurance as a stand alone insurance policy?
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John
Member
Registered: 30th Jun 03
User status: Offline
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NHBC seems to be pretty worthless. I doubt the mortgage company would be happy if they knew either.
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Robbo
Member
Registered: 6th Aug 02
Location: London
User status: Offline
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yes ofc you can get contents standalone  how do you think renters do it?
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RichR
Premium Member
Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
User status: Offline
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I've never looked in to it in all honesty. Its so usual to hear the term 'Building and Contents' that I'd not considered it an option.
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VrsTurbo
Premium Member
Registered: 8th Jun 10
User status: Offline
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You'd want buildings as the NHBC wont cover a fire...
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James
Member
Registered: 1st Jun 02
Location: Surrey
User status: Offline
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Anyone owning a leasehold place would get contents only because the leaseholder should have the building insured.
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Hammer
Member
Registered: 11th Feb 04
User status: Offline
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There are numerous scenarios within which you wouldn't require joint Building and Content's.
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