What's the point in comparing prices and simply coming up with the cheapest policy? Unless you know the differences in policy coverage and the service on offer from each of the insurers then the comparison is meaningless. In this article, the insurers behind the three cheapest quotes aren't even named so we don't know who would actually be paying out in the event of a claim. In my experience, home insurance policies vary at the fringes - with nasty little sub-limits, single artice limits, daft exclusions and sneaky definitions that catch out the naive and uneducated (i.e. the consumer).
If all everyone wanted was save money then everytime we bought something we'd simply look for the cheapest product available, irrespective of quality. Perhaps we should all be driving around in Perodua Kelisas, wearing items from the Primark sale as we trundle back to our tiny homes to enjoy a pint of Tesco "Value" lager in front of the 14 inch black and white TV.
If you're looking for insurance then surely you want quality and value ahead of "cheap"? After all, you're paying your premium for nothing more than a promise. If you have to make a big expensive claim on your very cheap home insurance policy then you might be faced with sorting out the kind of mess that only a disorganised, service-free, penny-pinching insurer can make. Still, at least you'll be able to console yourself with the thought that you saved yourself £30 on the renewal premium!
Even Direct Line (which marketed the idea of "cheap insurance" in the first place) has realised that it needs to sell its products on more than just price.