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Top tips for a cheaper quote

Don't over insure

Calculate what your contents are actually worth rather than guess. For building insurance, make sure you enter the rebuild value, not the market value.

Increase your excess

Agree to pay a voluntary excess - in other words, agree to pay out a certain amount if you need to make a claim.

Don't pay in instalments

If you don't pay your premiums in one go, you could end up paying an extra 30% a year on top of your regular premiums.

Buy online

You usually pay less if you buy your home insurance on the internet, rather than over the phone.

The average family spends £174* a year on contents insurance and £211* on buildings insurance. Companies rely on you being too busy to care when it comes to renew, make sure you shop around *SOURCE: ABI DATA BULLETIN 2012

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