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Home Contents Insurance for 3 Sharers

Discussion in 'General Discussion' started by Conanius, 24 Sep 2009.

  1. Conanius


    Joined: 18 Oct 2002

    Posts: 12,489

    Hi All,

    Myself, Peternem and NickXX are lucky enough to be living together, and we had an absolute nightmare last year getting home contents insurance. It seems that unless your related, insurers dont like 3 friends living together when it comes to getting contents insurance.

    We managed to get cover from A Plan last year, and the renewal has just come through, a whopping £186.

    This feels slightly excessive to me, especially when they said another insurer might be able to do it for £146, but when they enquired further it turned out they wouldnt do it unless we were related/in a relationship together.

    As much as I'd love a love triangle with Nick and Pete, surely there is an easier way to get cheaper house insurance? what do you other sharers do?
  2. Gaz1988

    Wise Guy

    Joined: 12 Sep 2007

    Posts: 1,019

    Location: Edinburgh

    have you tried the usual comparison websites? dont some credit cards etc offer contents insurance aswell?
  3. KiTBoH


    Joined: 2 Nov 2008

    Posts: 789

    For just my room in shared accommodation I've been offered £69 for the year :/ That's with £4000 cover not including mp3 player's or laptops etc.

    Seems ridiculously expensive since I got quoted ~£20 last year D: (uni accomodation)
  4. Conanius


    Joined: 18 Oct 2002

    Posts: 12,489

    Just tried Go Compare on the offchance. With £25,000 worth of cover we can be insured by the AA for....

    £88.97 !

    Get. In.
  5. OllyM


    Joined: 16 Aug 2004

    Posts: 6,214

    Location: New Jersey, USA

    And that includes all three of you named on the policy? I bet it doesn't :p
  6. frosty03

    Wise Guy

    Joined: 14 Jul 2004

    Posts: 1,778

    Location: England

    quidco... dont forget your cashback...
  7. philjohn


    Joined: 3 Apr 2008

    Posts: 2,945

    cripes, I paid much more than that. IIRC my first year in halls Endsleigh wanted around £80.00 and that was 11 years ago.
  8. Conanius


    Joined: 18 Oct 2002

    Posts: 12,489


    So the AA are idiots. They dont offer that cover, even though I stated it on the go compare site. I spoke to an underwriter who could get it for circa £170, but he wasnt totally sure.

    Then I found Home Cover. They can do it for £108.91, or £168.95 if we include 'away from home cover'

    I'll have a chat with the guys tonight and go from there.
  9. TripleT


    Joined: 24 Oct 2002

    Posts: 9,502

    Location: Manchester City Centre

    Have you been getting quotes for Home insurance or just contents insurance? As that seems really high.
  10. The Mad Rapper


    Joined: 18 Oct 2002

    Posts: 9,480

    Why can't you each just get contents cover for your own stuff? There's no rule that dictates you must only have one contents policy per dwelling.
  11. PeterNem


    Joined: 15 Feb 2003

    Posts: 8,322

    Location: NJ/NY, USA

    We did. And when I phoned Direct Line to amend my policy they cottoned on to it and said they'd give me a full refund as my policy was now void.

    Apparently the risk is that Gareth could steal my stuff without having to cross any locked threshold!

    The only way individual policies would work is if each of our rooms were locked and we left nothing in communal areas - total joke. Students may live like this but not young professionals who trust each other and have known each other for years.