The owner pays too much for water, insurance and other recurring bills every year. Just because they didn’t have time or energy to contact the company, they asked for better deals, comparing three goods or changing suppliers before renewing the contract. This is why many industries rely on regular customers to increase profits while providing the best deals for new customers. If you want to discount family insurance, you should be prepared to go to it.
A person who has submitted a family insurance application may in particular believe that he or she is not eligible for the highest premium. They often work with the same supplier because they feel guilty about switching. That is, if the insurance needs to be renewed, the insurance provider who completes the application may increase the cost. If you don’t change your behavior, you can pay hundreds of pounds for your insurance! Here are some suggestions. When you make a family insurance claim, you can compare things in three places.
Honestly in your records
If the insurance provider finds that you lied or omitted details in the claim history, you will have problems. I always tell you honestly how many family insurance bills you submitted and why you submitted each bill. Explain the situation, how you handled it (especially if you call the hotline first and carefully follow the claim procedure), why you made a claim, how the company should respond, and the result of the claim. Insurance providers will not be scared away by claims. After all, they know that everyone can make a claim at some time.
Emphasize improvement
If you have to make a claim for something that can be stopped, please highlight any improvements you have made since then. For example, if you drive a nail in the wall and blow up the water pipe, you may mention that you have used a pipe detector since then. After the fire, there may be smoke detectors or the locks of doors and windows have been changed. If the claim leads to structural repair and reconstruction, the house may be stronger now, so don’t be afraid to mention the improvement brought by the claim.
Low price.
Are you willing to do small family decoration to get a better house price? If the quotation is too high, you can ask what you can do to reduce the quoted premium. For example, you can install a smoke detector or anti-theft alarm and pay directly by borrowing or prepaying a one-year premium. Insurance companies like to see more small family decoration, so they can know what you missed.
Please raise your credit rating, if it is low
One of the factors affecting the family insurance rate is the credit rating. If the claim causes a financial blow, open more credit cards, default on debt or miss payment, the credit rating will decline and the interest rate will rise. Take steps to organize your credit rating. For example, check your reports to ensure accurate ratings, pay all bills on time, and avoid unnecessary credit checks.
Avoid making another claim immediately
If you can help, you can guarantee that you will not file a claim in the next few years. The two-year to five-year deductible would have offset the higher rates and helped reduce premiums. Of course, you can’t help making a claim, but if you had a major claim in the new insurance company a few years ago, but no claim later, you may not see how much your reported rate has increased.
When you have a claim, it is not impossible to obtain good discounted housing insurance. If you want to explain everything, have shown an improvement, and compare things with three places. Don’t try to hide your record or not talk about it. Because it’s a sign of danger. Some types of claims will always increase costs, but others may have no impact at all. Finally, don’t be more afraid of things than the three places. Even if I can’t find a cheaper supplier, I’m glad to know that I won’t be used because I filed a claim.
