Alternative to M&S House insurance

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  • Alternative to M&S House insurance
  • Premier Icon ir_bandito
    Subscriber

    Been with M&S for a few years now, mainly due to their "under £4k and its fine policy.
    But they've just changed underwriters and my premium has jumped £100!
    Anyone else offer good bike (£2500) friendly policies?

    Black
    Member

    Mine went up by £232.

    Try John Lewis.

    spooky_b329
    Member

    Greenbee is very similar cover, some people find it cheaper but most quotes come in much more expensive.

    A few have asked this exact question over the last few months, myself included. I think most stay with M&S in the end, although obviously, let your cover lapse and take out a new policy via the website to get the online discount 🙂

    Premier Icon franksinatra
    Subscriber

    Same situation for me, I went to ING and saved loads. Cover seems equivelent

    spooky_b329
    Member

    I went to ING and saved loads. Cover seems equivelent

    Not as good as M&S…pedal cycles are an extra cost option and even then are limited to a value of £250. With M&S pedal cycles are included, don't need to be declared and covered to £4k each. Up til now, I hadn't found anyone apart from M&S/Greenbee who would insure a bike locked in a car unless it was hidden below a parcel shelf.

    Edit: ING's policy document contradicts what is stated on the website, small print says bike is covered to £1000 each, max £2500 per claim, which is better. Also surprisingly, locked to an immovable object includes a vehicle, so locking a bike to a welded seatbelt mount or similar in the car presumably counts.

    Premier Icon franksinatra
    Subscriber

    I checked to policy again. Claims on bikes are not limited to £1k (that I can see) but the bike must have been locked to an immovable object. Therefore policy is not as good as M&S and I'll be looking to change.

    Dangerboy
    Member

    Just doing the same thing.
    Was with M&S for building and contents cover last year, had my renewal quote of £550 through the post this morning.

    Went to the M&S website and put in the exact same details and am currently being quoted £270 as a new customer.

    And if the quidco cashback tracks it'll be £240 all in.
    Bargaintastic!

    Just double checking everything now…

    Premier Icon Suggsey
    Subscriber

    Mine went up £100 too however specialist bike cover for my bikes was going to cost £350 alone!

    spooky_b329
    Member

    Frank, might be nothing to worry about as cover details do change…but I went to ING site, clicked summary of cover at bottom, and then policy details page 43. I remember discounting ING earlier in the year when I was looking to renew.

    Premier Icon franksinatra
    Subscriber

    Just done online qoute with M&S and now working out only £15 more than ING, that include being honest removing household intruder alarm as we never use it!

    I'll be changing back asap. How can an annual renewal be nearly £200 more than a new quote online?

    Matt-P
    Member

    Similar situation a couple of weeks ago, managed to save £200 and stay with M&S after a bizarre phone call where they wouldn't drop the renewal quote, but were quite happy to let me cancel the original policy and then take out a new one at the internet price. Bizarre.

    spooky_b329
    Member

    If you play around with the online quote thing you'll notice things like burglar alarms make hardly any difference to the quote. For the sake of a £5 saving, they get to wriggle out of paying when you popped out to the shops and forgot to set it!

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