Keeping costs down

There are a number of ways you might be able to bring down the cost of cover.

Will the insurer offer me a discount?

Many insurers offer a discount for taking out buildings and contents insurance together in a combined policy, or for paying your premium in one go rather than month by month. They may also reduce your premium if you choose a higher level of excess with your cover and if you haven't made a claim on your policy..

What happens if I make my property more secure?

If you fit security devices like burglar alarms and high quality door locks, your insurer may well reduce your premium. You can normally find out what devices they approve of by checking their website or the policy terms and conditions.

You can take preventative measures to reduce the risks of having to make a claim too, so you keep your No Claim Discount. For instance, insulate your pipes and water tanks to prevent freezing in cold weather.

Can I save on the amount of cover I take out?

You want to make sure you've the right amount of cover, so if you need to make a claim you know that your policy should pay out. That’s why it’s important to spend time working out exactly how much your home and your contents are worth.