lic

Can anyone please recommend a decent insurance company or broker for both house and car insurance?

Thanks in advance.

Fredbargate

http://www.ibexbrokers.com/default.asp

missile

I use Linea Directa

ShinyAndy

Another vote for Ibex (although my lot were www.ibexinsure.com ). I´ve just transferred over to them and saved 200€ on car insurance (discounted home insurance too)

Fred James

LD is great for motor insurance but the reason they are so cheap for house insurance is in the small print - very poor cover for contents.

missile

I agree cheapest is not always best. I changed to LD after CAM bank insurance refused to pay up when a builder stole from us. Small print said theft cover only where there had been a forced entry.

Which company do you use? Can you give me a heads up comparison on where their cover is better than LD.

Fred James

I use Allianz for the buildings insurance (who I am extremely happy with) but for contents I use Groupama. Originally they were Norwich Union but they sold out.

The reason I have stayed with them was because they are happy to insure our house which has no rejas. They will no longer accept that but as it is an existing policy we are still fully covered. Most companies do insist on rejas at least on the ground floor.

I looked at LD when they first offered household insurance as they were about half the price. Surprisingly they did not insist on rejas either but when I checked the small print they only cover the full value of the contents if almost the whole lot gets stolen (unlikely). If not there was a very low limit on the amount they would pay out.

I decided to stay with Groupama as they do not have these conditions.

Fredbargate

My house has rejas on the older part but not on the newer extension.
I am insured with Ibex and it is not a problem.
However they do insist on a monitored alarm.

Fred James

Yes, an alarm is usually an option - we have a monitored alarm from Prosegur.

The problem is that if you are burgled and it's not on - which does happen, you have no cover at all. It can also be a problem if you have pets in the house.

Fitting rejas on our house is just not practical.

Fredbargate

A shotgun with a piece of string attached to the door handle helps to stop them coming back a second time