It is to be commended for finding a policy that is so much cheaper than quoted on a comarison site. I personally am not a fan of comparison sites at all

However, the problem with cheaper products is that often you are buying a products but you do not know what you are getting for it and only realise when it is too late to do anything about it.

To give you an anology...

I can sell you a can of baked beans from any supermarket and it will contain beans and tomato sauce, but if you pay 70 pence for the can then you will mosty likely get a big brand name and you know that it will have soft beans and a nice thick creamy sauce and its going to taste just as it always should. A quality product at a quality price!

I could sell you another can of baked beans and its still going to contain beans and sauce but its going to cost 7 pence and half the beans will be hard and the sauce will be thin and have barely any taste. What do you expect for 7 pence?

While some companies may charge more for taking their products through certain portals you will at least know that that you are buying has quality and peace of mind in the event of a claim. But a product based on price alone and you can often end up with hard beans and a watery sauce.

Do your homework before you commit to a policy that is significantly cheaper because the likelihood is that it isn't giving you the protection your last policy was.

I am not saying that you should pay top dollar and always use comparison sites but for something that protects the roof over your head you should use a brand name and expect to pay more for it. Look at comparison sites but try and go direct to the company or use a broker but specify a quality product. If you want to compare products then look for their quality rating called the Defaqto rating. 5 star is best quality and protection and 1 star should be left alone. I personally would not recommend any product which has less than 3 stars but preferably 4 or 5 stars for peace of mind.

Side note... All home and contents policy's have risen in cost this year and the likelihood is that they will next year too.

Good Luck!

have just had to renew my house insurance .as my home was flooded in 2007 the premiums have been increasing dramatical this year the cost would have been £2000++.by using moneysupermarket and being directed to brokers T R Young I have saved almost £1000 and have got a better product.

How many more flood victims are bveing ripped off by major insurance companies