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  #1  
Old 16th December 2021, 03:35 PM
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steamship steamship is offline
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Location: Londonderry, Northern Ireland
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Default House Insurance

Any good recommendations for house insurance? I know it's tricky because some companies won't touch Northern Ireland, but just looking for suggestions. Apart from the 'compare' websites, I also tried a couple of other insurers not on the compare sites, and after filling in all the details they eventually say they won't quote for Northern Ireland.

Made my very first claim November 2020 (7 years NCD) and renewal in January 2021 (0 years NCD) went up by 350 to 550. Claim was settled during the year and the renewal for 2022 has just come in and it's 597, despite now having a full 1 year NCD again. Needless to say their excuse was 'insurance prices were going up', yet my car insurance cost me less this year.
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2001 A8 D2 FL 3.7 Q - LPG Conversion, Engine: AKC, Gearbox:FBB, Colour:LY5X Aqua Blue pearl effect, Interior:WJ light beige/dark beige valcona leather with burr walnut inserts

My DIY jobs - Replaced alarm horn, Replaced Coolant Temp sensor, Updated RNS-D firmware, Installed Reversing Camera and Digital TV, Dashcam Installation, Retrofitted Rear Blinds, Auto-Dimming Rear View Mirror, Chrome Boot Struts

Sold! 2008 S8 D3 5.2 V10 - Engine: BSM, Gearbox:KLW, Colour:LY7F Suzuka Grey Pearl Effect, Interior:Black/Black with Silver/Black valcona leather with carbon atlas inserts, Bang & Olufsen, Heated windscreen, Soft-close doors, TV, DAB, AMI, Quad Zone, Auto Boot, Auto dim Mirrors, Keyless entry, PDC with rearview camera, AFS II Headlights

My DIY jobs - Fan Jet Windscreen Washers, Retrofitted Electric Side Blinds
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  #2  
Old 16th December 2021, 03:42 PM
HPsauce HPsauce is online now
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Location: Chilterns, almost over HS2!
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I use Privilege Platinum for House and Contents now, seems a decent/fair deal. No idea if they cover you though.
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2003 D2 FL S8. Irish Green Pearl/Beige. Solar sunroof, auto-dim mirrors, electric rear seat functions, ski hatch retrofit; extended leather. Aftermarket DVB-T, reversing camera and full XCarlink (Bluetooth etc.).
2016 Volvo V40 T5 Cross Country (4WD) with ALL the toys including adaptive cruise etc. etc. Osmium Grey with Blonde/Charcoal leather interior. Polestar performance "optimisation". (A much rarer model than a D2 S8 by the way!)
Finally: gone, but not forgotten.....
1998 D2 PF S8. AgateGrey/Platinum. Every option (I think) except electric rear seats, tiptronic steering wheel, ski hatch, towbar & dimming door mirrors.
e.g. Cruise control, NavPlus/TV, Bose, GSM, Xenons, Solar roof, Parking sensors, Alcantara/leather everywhere of course. (internal dimming mirror added later)
1998 (very early) Ford Focus 1.8 Zetec; ABS/TCS, Heated screen/mirrors, Aircon, Auto-dim mirror, Leather, Trip computer, Cruise control, OEM Ford SatNav with CD changer.
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Old 16th December 2021, 04:22 PM
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The_Laird The_Laird is offline
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Location: Redmile: Leics, Notts, Lincs border - near Belvoir Castle
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I use a price comparison site every year and show no loyalty. I’ve queried increased quotes on renewal a couple of times and, on both occasions, been told that their best prices are always on comparison sites and they increase on renewal.
As to recommending a company, I can’t really help, as the quote will depend so much on your individual circumstances. We used NFU when we had the big house in Scotland and couldn’t get better prices anywhere. But they were hopelessly expensive when we moved to England and down-sized.
And, on comparison sites like Compare the Market, they remember all your details. So you don’t have to start from scratch every year.
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2002 Final Edition S8. Ebony black with Silver Grey leather and myrtle wood trim.
Current mods: solar sun roof, 20mm rear spacers, 15 mm on front, red brembo callipers, 6k headlights, rear view camera, engine remap, alloy dash dial rings, alloy navi rings, tt/phaeton pedal upgrade, (and custom matching foot rest) dension ipod interface & parrot hands free kit (both fully hidden), av input, tv in motion switched thro' PF switch in blanking plug right of steering column, Audi 'quattro' sill covers, repositioned centre console switches, radio clock, .
Planned mods: auto-dimming rear view mirror, dash cam (as steamship's), fit the ski hatch, refit philips drl's (or maybe not).
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Old 16th December 2021, 06:21 PM
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Adrian E Adrian E is offline
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Worth looking at your mortgage provider to see if they offer a discount (assuming you have a mortgage!). We were with LV but saved a stack moving to our mortgage provider who offer circa 20-25% discount for B&C cover (and their 'normal' price was about the same as LV)
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===SOLD===2002 Audi S8 D2 Final Edition (yes, really) in Avus Silver with purple extended leather===SOLD===

2011 S5 Sportback in Phantom Black with black Super Sports leather, 9x20s, tech pack high, adaptive xenon plus, intelligent key, memory seats pack, sunroof, B&O, Audi Drive Select & quattro Sports Diff, DAB, parking system plus

2015 VW Golf GTI Performance Pack in Carbon Grey with black Vienna leather, tech pack (Discovery Pro nav & Dynaudio), DCC, factory towbar and retrofit RVC
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  #5  
Old 17th December 2021, 08:48 AM
sarg sarg is offline
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We use Halifax for home insurance.

They are far from perfect, but they include a higher limit for 'garden cover' than any other provider I've found, i.e. your patio furniture, BBQs etc. Also seem to remember they were quite reasonable with high value items.

Whoever you go with, do not settle for anything less than 5* rating from Defaqto, anything less than 5* means there is a compromise somewhere in the cover

https://defaqto.com/homepage/
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2002 Mark's D2 S8 FE
2020 BMW M340d xDrive (Anely's daily driver)
2018 BMW M4 SOLD 2021
2015 Mini Cooper S John Cooper Works (Anely's Mini #3) SOLD 2021
2016 Mercedes-AMG C63 SOLD 2018
2014 BMW X5 3.0d M Sport SOLD 2017
2009 BMW M3 DCT - SOLD 2015
2010 Mini Cooper S Auto (Anely's Mini #2) - SOLD 2016
2002 Porsche Boxster Tiptronic S - SOLD 2013
2000 FL D2 4.2 QS - SOLD 2011
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Old 17th December 2021, 09:17 AM
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pete-p pete-p is offline
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I've been with Admiral for some time now and not had any issues. I've called them out once for a blocked drain which turned out to be a soakaway so not covered but didn't have to pay anything for the call out.
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Cars...
'93 Audi Coupe 2.0 Alpine White (sold)
'99 Audi S4 Merlin Purple - K04 upgrade to 412hp (sold)
'00 Audi S8 Agate Grey FOR SALE
'11 Audi Q7 4.2 tdi Unknown Red

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  #7  
Old 17th December 2021, 03:19 PM
vagdream vagdream is offline
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Now use a local broker who i have been extremely pleased with, they compare cover annually and fully dealt with a collapsed boundary wall claim last year on my behalf.
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2002 D2 S8 Aqua (gone but not forgotten)
1988 UR quattro
2003 A2 FSi Sport
2020 Seat Leon Cupra R ST Abt
1989 911 Carrera Cab
Couple of Mk1 Golf Gti's (in bits)
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