House insurance quote more than doubled from last year.

I didn’t think they paid out for God given problems ie weather
I expect that’s what’s hiked it up
I always check out other Companies each year you don’t really get rewarded for loyalty

Any claim, even if it didn't proceed, runs the risk of higher premiums.

That said the insurance companies can hike it up even if you have never made a claim!

It is common practice in the industry and they expect you to look around and a getter cheaper quote elsewhere. Sometimes it is the same umbrella company too!

Mine is die in a few weeks too so I will shop around, though my car insurance is actually going to be cheaper...

It's all a bit of a mystery really...

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Now I’m 76 annual travel insurance is by far the largest cost of my home insurance, look at what’s included and shop around

I had a major claim 18mths ago (mid-range five digit amount) and expected my premiums to increase dramatically but surprisingly, they haven’t. That’s with Aviva. I will say they were awful to deal with at the time but we don’t seem have been penalised so I’ve stuck with them.

It would do no harm to shop around Grammaretto and wouldn’t take long to see if your new premium is competitive or is over inflated, because of your claim.

Thanks everyone. I'll get onto it soon -check out the various premiums

With all insurance we should look around and get different quotes it takes time and is annoying but the various groups expect it and you get no treats for loyalty

I had a major flood,and lost everything downstairs,I was with Aviva, they were brilliant in all dealings with them. I was expecting the next year premium to increase considerably but it went up slightly l. I've had a quote again from them this year, it has gone up £18,so will be staying with them.

My quote is approx 20% down on last year, no claims to impact it.

I agree with Blue Belle loyalty does not mean anything in this world now I shop around for most things now , home ,insurance car ,etc. anything that has to be renewed If you are a new customer you alwaysget a better deal.

BlueBelle

With all insurance we should look around and get different quotes it takes time and is annoying but the various groups expect it and you get no treats for loyalty

I always use a comparison website. It takesa couple of minutes to type in my details and property details then one click and it goes to multiple insurance companies.

They then respond with competitive quotes and I pick and choose the best offer on the terms I need. Fast and simple.

In UK, all insurers share a data base of insured clients. So they all take one look at the Butterandjam pristine claims record and see that I'm the ideal client. Careful owner, security conscious. You bet they're all fighting to win and keep my custom.

The current lucky winner has guaranteed not increase my premium for three years.

My insurance actually went down this year which astonished me because I had a big discount for last year's as a new customer. I did shop around a bit but couldn't beat it and got fed up with filling in forms for quotes.
Do be aware that if you do change insurance companies there is normally a period when some things aren't covered.

My company got in touch recently to say that they wouldn't be doing my type of contents insurance any longer and gave me a referral to another company whose quote was not much more than I paid the previous year. I'd actually left the second company a couple of years before because their quote went up dramatically! I imagine I'll get a ridiculous price hike next year though.
Personally I always check insurance prices every year as they do seem to vary so much, I suspect that they all have different dates for their annual rises.

Paper says that they are on average LOWER than last year.

Do cast around - we were quoted on renewal £120 more than on Go compare from the same company. We looked further, and got it for just over half the quote, from a sister company.

They are taking the michael....

Snowbelle

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I think, but can’t confirm, that you have to declare if you’ve made a previous claim when requesting quotes from other companies. In the event that there’s a central database it is possible to get caught out if not disclosing full information.

Yes always shop round.

icanhandthemback

My insurance actually went down this year which astonished me because I had a big discount for last year's as a new customer. I did shop around a bit but couldn't beat it and got fed up with filling in forms for quotes.
Do be aware that if you do change insurance companies there is normally a period when some things aren't covered.

Could you say what things are not covered for a period, when you've changed insurers?

I have only buildings and dog insurance. I know all insurance companies are a rip off and, in times of catastrophe or heartbreak, will do anything to avoid paying out.

Mine doubled. I wish I'd shopped around. My water bill also doubled. Groan. Sigh.

I always shop around at least a month before renewal and also check cashback sites.

Shopping around is good - my renewal car insurance quote was not a great deal more than last year, but I compared other Insurance companies for like for like quotes. Found one somewhat cheaper - went back to my current insurers who, on being told I could go elsewhere for less, lowered their quote. My new car insurance is now pennies more than last year!!

21-15 days before renewal date is the best time to get quotes, according to Martin Lewis, MSE and Money Supermarket.
I’ve just checked mine. My renewal has gone up by £80, far too much. Via MS I have a quite for one third of that. On my To Do list for today,

I dont understand anyone who just renews any insurance quote each year without going on a comparison website. My renewal for home insurance last year was £600. After comparison website it was £380 and it was with the same company who would not let me just renew at that price! So I cancelled the current policy and took out a new policy to get the cheaper quote. Yes Same cover same company. Crazy!