Spring clean your home insurance!

Friendly personal service UK call centre Easy to use website Instant quote Customer reward scheme Buildings Contents Landlords Flooding ew guidelines which come into effect on 1st April will help consumers avoid being overcharged by greedy insurers who bank on their loyalty when their home insurance is due for renewal. Providers will be required to show how much the premium has increased, which is intended to improve transparency and encourage customers to shop around rather than accepting huge rises on policies which often auto-renew.

The home insurance market is overrun by insurers who offer cheap premiums to tempt new customers and then steadily increase the cost over the years, making huge profits from busy homeowners who don’t question the rises. It is so easy to accept the renewal that falls through your letterbox and sometimes you don’t even need to take action if you are paying by direct debit – the policy will auto-renew every year. But shopping around can save you money and it really doesn’t take much time.

Using a broker like PayingTooMuch.com means that you aren’t tied to a single insurer, and they will compare rates every year for you to get the best current deal. Their website makes it easy to get a range of quotes but you can also call their friendly team who will answer any questions and provide prices for all the different options.

Express reader Geoffrey Blow halved his premium by using PayingTooMuch.com. Mr Blow, from Lincolnshire, had been insured with Saga for over 14 years. His renewal premium was £440 but he purchased a policy for less than £200 with PayingTooMuch.com. This is a very common situation and as renewal letters don’t tell you what last year’s premium was, the increases are accepted without question. Mr Blow says “I often use the Express shopping services and I was very happy with the deal I got with PayingTooMuch.com”.

So when your home insurance renewal letter drops through the letterbox don’t accept the premium offered without checking elsewhere. You could save a fortune with a quick phone call to compare prices. *Prices based on a 3 bedroom house in Littlehampton, buildings and contents cover with accidental damage. £200,000 buildings cover, £40,000 contents for a customer with DOB 1/4/1960. Prices correct at 9/3/2017.