thegreenman

Hi, Can anyone recommend a good value home contents insurance (including tools) for someone who rents a property? All the quotes I come across seem to be aimed at landlords renting out ... I want to protect my stuff!

johnnyone

I have my own place and am insured with Intasure. They have uk and Spanish base. I have not had to make a claim so cannot comment on that side of things.
www.intasure.com/insurance

snikpoh

I use IBEX through Horizons Consultants - they speak both English (native) and Spanish. (Tel: 966 481 382)

I use them for all my insurance needs (cars, contents, property etc.)

Fredbargate

I also use Ibex but deal directly as their offices are very close.

http://www.ibexinsure.com/

thegreenman

thanks guys will give them a go

mrsjdr

We insure through Linea directa, contact online, have never had to claim thank goodness so do not know how good they are to pay out.

Fred James

I looked at their policy when they first introduced it but although it was half what I pay, the small print restrictions on burglary made it more or less useless.

mrsjdr

Linea directa ???? Think we had better re read small print, thanks

bil

Technically, contents insurance can be next to worthless.

When I queried this, the insurance person asked me what I thought the insurance value of the room we were in was.

I did a quick calculation, and he shook his head. He pointed out that I hadn't included the decoration, curtains, carpet, etc etc etc. The end figure was so high that there was no way could afford to pay that, and as he pointed out, the company's figure of what the room should have been insured to would be the highest possible, and since I could only afford to insure a fraction of that, they would only pay out a fraction of the claim.

Domino

there are times when i ask myself "why do I bother"
in age insurance companies are not far behind the oldest profession, but seem to make more long term profit

Rotor

You have to have grilles/ rejas de seguridad on all windows and doors with Linea Direct.

bil

They basically make a living scaring the crap out of people, and then doing their best to default on paying out.

Fred James

When I worked out an online quote there was no increase in price if you did not have rejas which is unusual as most policies do.

Neither was there a discount for an alarm.

It may have changed but that certainly was the case when they first introduced the policy.

My current policy does not insist on rejas, in fact it specifically notes that I don't have any. That's why I was interested in LD as it was cheaper but the cover turned out to be inferior.