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Home Insurance - negotiating the best deal?

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  • 19-11-2014 1:14am
    #1
    PeterBr
    Registered Users Posts: 10 ✭


    Our home insurance is up for renewal and has gone up by around €40 since last year. I phoned a few competitors who offered insurance for the same price we paid in 2013 which seemed like a good amount to save.

    When I got back to our own company, they said they could now match this price and asked which competitors were offering this price.

    Anyway, it seems like a game - you could go back and forth but which companies are best in terms of customer service and value?

    Any advice appreciated.


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    #2
    Kristopherus
    Registered Users Posts: 11,907 ✭✭✭✭Kristopherus


    Check them all out via their websites and then decide. Internet quotes are often better than phone quotes and usually way better than brokers.


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    #3
    NIMAN
    Registered Users Posts: 33,637 ✭✭✭✭NIMAN


    My current provider posted me a renewal of €297, up from €260 last year.

    I did an internet search of a few different firms the other night, and Axa quoted me €668.
    I got a call from them today, "sir wondering if you would like to proceed with your quote for home insurance?"

    G.T.F !!


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    #4
    Del2005
    Registered Users Posts: 18,990 ✭✭✭✭Del2005


    Personally for any insurance product I never get back to my current one if I get a better quote. Give me your best quote first time or I'm off, they have zero loyalty to me so I return it.


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    #5
    ted1
    Registered Users Posts: 23,535 ✭✭✭✭ted1


    Kristopherus wrote: »
    Check them all out via their websites and then decide. Internet quotes are often better than phone quotes and usually way better than brokers.

    With home insurance they'll lower Internet quotes over the phone


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    #6
    Mrs OBumble
    Registered Users Posts: 25,966 ✭✭✭✭Mrs OBumble


    Even if you don't do the multiple quotes thing, I've found that just ringing up when I get the renewal notice and saying "is that the best you can do" gets it lowered.


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    #7
    Eldarion
    Registered Users Posts: 484 ✭✭Eldarion


    NIMAN wrote: »
    My current provider posted me a renewal of €297, up from €260 last year.

    I did an internet search of a few different firms the other night, and Axa quoted me €668.
    I got a call from them today, "sir wondering if you would like to proceed with your quote for home insurance?"

    G.T.F !!

    €660 for Home Insurance :eek:

    When it's low enough to be ~€20 a month, I usually just end up letting it renew itself. I can't justify spending the time out of the day to shop around to save another 5-10%.


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    #8
    PeterBr
    Registered Users Posts: 10 ✭PeterBr


    Thanks for the replies!


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    #9
    kkelliher
    Registered Users Posts: 1,583 ✭✭✭kkelliher


    renewal letter = computer generated price

    phone / internet quote = company chasing business

    always make the call for a renewal


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