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Rip Offs.
When I was working, I was mostly away from home.
This meant leaving some stuff to my wife to sort out.
Yesterday I sorted out my home insurance.
I was paying £904 per year at the rate of £75 odd per month.
I renewed it for £131.
Prior to doing this I phoned my current provider, to discuss why they had a similar policy on the comparison site that I was looking at, for £360 per annum.
They gave me a coc k and bull story about how it was illegal to break my contract and offer me a better deal.
I felt sorry for the woman I spoke to for having to spout so much bs.
I dont claim to be an expert on insurance, but the new policy covers the building for £500,000, and contents for £80,000, which seems plenty.
Yet some of the more expensive policies were offering £1million worth of building cover, or unlimited cover for the building and contents.
The comparison site set out the likely building cost, so why would anyone wish to pay for insurance that gave them several times the cover required to rebuild the property?
I daresay the cover I had previously may have covered some bits that I am not covered for in the new policy, but I cant be bothered to read through 50 pages of small print to find out.
Hopefully the saving will cover any slight differences.
I also had a preferential bank account.
This account gave me access to a personal banker, a black credit card with an APR of 35.7%, and a long list of benefits.
For this they charged me £31 per month.
I never used any of the benefits like airport lounges, the personal banker only ever wanted to sell me stuff, and never helped in any way.
So I now have a different account, no personal banker, a credit card with a much lower APR, and no £31 per month in charges.
I sorted out my utilities some time ago.
It is a bit of an eye opener to see how much money you can save if you have a bit of time on your hands.
This meant leaving some stuff to my wife to sort out.
Yesterday I sorted out my home insurance.
I was paying £904 per year at the rate of £75 odd per month.
I renewed it for £131.
Prior to doing this I phoned my current provider, to discuss why they had a similar policy on the comparison site that I was looking at, for £360 per annum.
They gave me a coc k and bull story about how it was illegal to break my contract and offer me a better deal.
I felt sorry for the woman I spoke to for having to spout so much bs.
I dont claim to be an expert on insurance, but the new policy covers the building for £500,000, and contents for £80,000, which seems plenty.
Yet some of the more expensive policies were offering £1million worth of building cover, or unlimited cover for the building and contents.
The comparison site set out the likely building cost, so why would anyone wish to pay for insurance that gave them several times the cover required to rebuild the property?
I daresay the cover I had previously may have covered some bits that I am not covered for in the new policy, but I cant be bothered to read through 50 pages of small print to find out.
Hopefully the saving will cover any slight differences.
I also had a preferential bank account.
This account gave me access to a personal banker, a black credit card with an APR of 35.7%, and a long list of benefits.
For this they charged me £31 per month.
I never used any of the benefits like airport lounges, the personal banker only ever wanted to sell me stuff, and never helped in any way.
So I now have a different account, no personal banker, a credit card with a much lower APR, and no £31 per month in charges.
I sorted out my utilities some time ago.
It is a bit of an eye opener to see how much money you can save if you have a bit of time on your hands.
Comments
The Martin Lewis website is excellent. have been partly successful at getting shot of most non-essential direct debits and working out what is needed and what isn't. Have a folder tucked away with all my paperwork and notes on contract end dates. That would never have crossed my mind even prior to Covid.
Still splurge on things which are pointless, more of a habit than anything. Should really start selling the excess stuff bought on a whim which haven't been used or played with.