When I did a comparison last year, Esure worked out the cheapest for our buildings and contents insurance and so this is I chose them. Arranging the insurance online was straight forward enough.
In February this year, we had a leak from our loft and so needed to make a claim. I rang them and they sent someone out to dry out the area -they installed fans and drying equipment. They then advised me to get my own quotes for the repairs. I did this, then they sent a loss adjuster round just to check the damage and shortly after I received my cheque for the repairs. There was no quibbling about how much to pay out - they took the lower quote and just deducted my excess. For me this was great because I decided to do some of the work myself rather than have the tradesman do all of what he had quoted for.
The claim process was straight forward and pain free.
I couldn't believe it when received my renewal documents this month - I was expecting the cost to rocket due to the claim but it hadn't. I then did an online comparison and nothing beat my renewal quote! I removed some of the extras they'd tried to add on e.g pest control cover and only paid £135 for the year for buildings and contents cover.
Also, they're doing an offer whereby if you renew early you get a free night in a hotel for 2 people so I'm looking forward to a little break away!
Overall I've had a very positive experience with Esure!
have had my household insurance with Esure for the last year. (Both buildings and contents - you get an additional discount if you take the two together - 15% as far as i am aware).
Like any insurance its a burden to pay and the majority of the time you never claim! This can be frustrating especially if your renewals go up. Fortunatly for me i recieved my renewal notice which is due on the 25th Feb 2006 and the premium has gone down!! Yay!!
I called Esure and discussed the fact that i felt i was insuring my buildings for too much money, they were really helpful and told me which documents i need to look at to get the correct re build cost. On doing this, i was right......they reduced the sum insured and again my premium dropped!!
Oh....just before i ramble on....just to let you know if you get a quote on the internet its cheaper.
Now...they say you never know how good an insurance company is until you make a claim. Well, a couple of weeks ago on a sat evening i was getting ready to go out when i noticed in the dining room a wet patch on the ceiling. On closer inspection ( by giving it a prod) i realised the ceiling was wet...it was that soft my finger went through the ceiling. I dug my policy booklet out knowing i have the home emergency and gave Esure a ring. I explained the situation (I could see a slight drip coming from one of the water pipes) they explained that because i have home emergency they would send a plumber out to me. Now the drip wasn't really bad and i was of course going out so i asked if it would be possible for them to send someone on the sunday morning. The bloke i spoke to took my mobile number and explained that the plumber would give me a call to discuss when he could come out. Within 10 mins my mobile was ringing and a lady confirmed that they would send someone in the morning.
Next morning at 9am (I know i couldn't believe it - normally tradesmen turn up 5 hours late!!) the plumber arrived. He explained they would need to go through my sons bedroom floor to gain access to the pipe. Oh no i thought....i hate mess!!
I asked him if i could discuss first with my insurance company as i didn't want my floor being pulled up and then Esure refusing to put it back. After speaking to Esure they advised where ever there is water damage they will replace. I organised for the plumber to come back on the Monday. He sorted my pipe for me. We couldn't get a builder out until the Sat morning, obviously due to my son being 7, and the fact i didn't want two legs hanging through my dining room ceiling we had to put some temporary board over the area . It was a week of fun!! My son thought his room was an island! I obtained a quote from the builder, called Esure and they authorised my claim straight away!
I now have a newly plastered ceiling, new floor boards and new piping. All for the cost of my £60 excess.
I have to say i was very impressed with the service and i would recommend them again and again!! The Home Emergency is also well worth the money that was approx £35.00 for the year. It covers roof damage, plumbing and drainage, main heating system, domestic power supply, toilet unit, home security and lost keys.