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Your contents and rebuild figuires go up every year because of indexation on the policy. Yes it prob was needed 5-8 years ago when costs were getting higher and higher but now the cost of the rebuild and replacing contents isnt as high now so no need for the indexation.
People need to start checking their policies and seeing exactly whats in the terms and conditions etc etc.Just got my house insurance renewal…..wow….has it gone up or what.. Heard a few people saying it has gone up in general but by over €200 for the same quote as last year and no claims on it……with a broker and the usual this is the best quote.
I second Getcover.ie.
Dont forget to work out your rebuilding costs as you may be well over insured. Try the rebuild calculator on http://www.allianz.ie
Shocked…..got my quote stating building cover, contents cover at a certain price and then the quote…….however, when I rang the broker I was told it was a ‘computer generated error’ and the contents and buildings were at a much higher price and the quote was for the higher price 😯 So I asked them to put the contents and the rebuild at what I had stated last year and lo and behold its now €120 cheaper. 😀
Beware, last year I got my house insurance quote and even though rebuild would be less with labour less etc. the rebuild figure had gone way up, same for contents. I had to ask to have it changed. Seems they up the figures every year automatically. Just check what your getting with a previous years quote…I was nearly caught the first year.
Hi Mummy5,
They were talking about this on Ray D’Arcy show a few weeks ago, Conor Pope, financial advisers at the Irish Times was saying that if you call your insurer and say you got a much better quote elsewhere, 99 out of 100 times they will match it.
Apparently we have to play hard ball but its a buyers market now; so they are the ones who have to be flexible.
It’s worth a shot as they won’t want to lose your business so they’ll probably match a better quote. One guy called up his insurance company and said he got a quote for half what they quoted and they matched it to keep his business.
Good luck – let us know how you get on!
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