Advantages: Lower insurance costs
Disadvantages: none

...Do your children have to pay high levels of insurance premiums on their personal possessions when they are temporarily away from home at University etc? Or do they take the risks of not paying the insurance on their possessions because the cost is too high and they are reluctant to spend the money? Some Insurers (but not all!) will consider extending a family home and contents insurance policy to cover such circumstances. An extra premium is naturally charged for this, but it can work out to be considerably cheaper than the student taking out separate insurance which is usually based on a set fee based on a ludicrous minimum insurance valuation of their possessions. Ask the question of your insurer. You have nothing to lose, and quite a bit to gain!... Read review

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Advantages: Cheap and good cover
Disadvantages: None

...I have just booked our Travel Insurance over the Internet again this year and have found that Norwich Union Insurance have the cheapest in money and best cover. They cover you for 10 million Medical Cover etc as does every other company so they aren't skimping on anything by offering cheaper Insurance. By ordering the Insurance over the Internet you also save 10% and it is really easy. All you need is the amount of people travelling, dates of travel and whether it is Europe, UK etc. For myself, my husband and a 3 year old daughter it was priced up at £38.25 and that was a saving of around £25 off some Insurance quotes that I received. Direct Line were very expensive as were HSBC but the policy by HSBC was a very good one.... Read review

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Advantages: low low cost insurance, very professional, close proximity to university, extensive policies
Disadvantages: none i have experienced to date

...Endsleigh offer extensive insurance policies for the most competitive prices imaginable! They insure muscial instruments, household and special items, cars, travel insurance, you name it. Another advantage is that they have an insurance shop INSIDE my university Union building, Sheffield University, and it is no small brrom cupboard either! It is a spacious office with comfortable seating, magazines to read, and 3 insurance salepersons at desks. They are very up to date with the insurance they offer, the terms and conditions and the costs. Theyre very professional! I have been with Endsleigh for 2 years now, covering my household insurance. My insurance is very very competitive. They allow me to insure items I take out of the house and against accidental damage including my glasses, which is really helpful (as I have a tendency... Read review

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Advantages: none
Disadvantages: In my experience have put up premium for no reason

...I'm sorry, but this is a quick moan not much of an opinion. I was quite happy gatting my car insurance from Norwich Union Direct for a year. The quote that they offered me was a reasonable one, which saved me a lot compared to my previous insurer. But when my insuranve came up for renewal I couldn't believe it, the premium had gone up by £50 pounds. There I was expecting it to go down, now having 3 years no claims and it was going up. I tried to ask them why it had gone up but no one there seemed able to answer my question. Needless to say I found a cheaper quote elsewhere and moved to that insurance company. When I phoned up to cancel my insurance they asked the usual questions, why are you leaving, which insurance company are you going to, how mych are you paying. Suddenly the insurance premium that they can offer you... Read review

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Advantages: Price, cover and service
Disadvantages: none

...Recently decided to shop around to reduce the price of my life insurance and ended up insuring 2 of us (my wife and I) for the price I had been paying for just me with the same level of cover for very slightly less cost. I found directline insurance online and went through the very easy online quotation procedure. An initial price was given onscreen then a representative called the following day to finalise the details and price. All the papers quickly arrived and I was able to kiss my present high street bank provider goodbye!! Give them a try....... Read review

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Advantages: Gives you peace of mind.....how much would it cost you if I suitcase when missing as the airline will only pay about £20 per bag!!
Disadvantages: Your silly if you dont take it

...This will be a short opinion , but will perhaps one of my most important. I ALWAYS HIGHLY RECOMMEND people to take travel insurance when ever they travel by plane.Insurance is even available for short European flights and even domestic flights.Insurance can cost upto £60 a trip, but if you do a lot of trips a year you may get an annual cover costing about £120. Insurance is needed to cover things like cancellation, curtailment, travel delays, personal accident, medical, delayed damaged and lost baggage, legal expenses,cover for death, mugging and Hijack... Read review

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Advantages: I am being law abiding by having it
Disadvantages: Insurance companies will try to wriggle out of a claim

...In 32 years of driving, without a conviction or claim, I consider myself a safe driver. I can only drive one vehicle at a time, but if I have an additional vehicle, I have to start again with no 'no claims bonus'. It would make sense if the driver were insured, not the vehicle. I cannot understand why my insurance premium rises every year, when I am not claiming. Over the years I consider I have paid enough for any future claim. This is one serious area where insurance should be nationalized, not in the hands of wealthy companies who use the law to their own ends.... Read review

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Advantages: Brings down the cost of vet bills
Disadvantages: Only available on the internet

...I have four Guinea Pigs which in the past have run up big vet bills. One of my Guinea Pigs have just had to have an eye removed with a lot of follow up care. So far this has cost me £140 and is still increasing. I asked my vet if they knew any company that insured Guinea Pigs and they did not know of any. However, searching around the web, I came across a site that sells all manner of things for Cavy lovers (The Winking Cavy Store, www.winking-cavy.com) and found that they offer insurance. The insurers are Pearson Insurance Services and they will insure from 1-250 cavies with prices quoted online or if you wish to insure 250+ you need to contact them for a quote. Prices start at £42 for one cavy and go up to £157.50 for 250 cavies. All existing conditions are excluded from cover and there is an excess of £25 per illness... Read review

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Advantages: I honestly can't think of any
Disadvantages: AA are brokers. Take at least 5 months to arrange inspection

...I was looking for a reliable insurance company to insure my newly purchased old BMW with side skirts and alloys (my pride and joy). I decided to contact AA Insurance as they were a well established and reputable (??) company. I arranged my insurance with them after being given a very reasonable quote. When my documents arrived it turned out the the AA are insurance BROKERS and my insurance was in fact with Provident Insurance, not AA at all. The documents were inaccurate too - they stated that there were no modifications to the car - although the AA had told ME that the car had a body kit and alloys!! Quite a few months down line, someone else thought that my car looked as good as I thought it did - and stole the 4 alloy wheels. They didn't even have the decency to prop it up on bricks!! That was in November and between the AA... Read review

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Advantages: Friendly advisers, competitive, comprehensive cover
Disadvantages: Slow to receive the quote

...Our home insurance was due for renewal yesterday. I chose to ring CIS Insurance for a quote. The lady on the telephone was very helpful indeed. She explained fully what each policy would cover and the cover was pretty comprehensive. The quote she gave me over the telephone was quite competitive and I asked for her to send me the quote through the post. I made her aware that the insurance was due for renewal in a few days. Unfortunately, I received the quote too late to do anything with it. That seems such a shame as the cover was very people friendly. I would advise if anyone wants to take out Co-operative Insurance Society cover that they should call the Service Centre early enough to receive the quote as they seem very helpful and competitive but unfortunately the post was too slow for me.... Read review

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