In terms of home insurance discounts, the majority of home insurers will offer a discount if you buy a joint buildings and contents policy. This is a really good way of saving money, but do be aware that the sum of the discount varies greatly from company to company, so it really is worth having a shop around. Do ensure however, that sure that the size of the discount does not come at the detriment to the level of cover: Remember that in the case of an unexpected event, your home insurance will be of great importance, so you should make sure your policy is comprehensive enough to meet your individual needs.
Another way of getting discounted home insurance is to demonstrate that you have improved security measures. Having good quality locks, an approved burglar alarm, being a member of a police-approved neighbourhood watch scheme and being in the property during daylight hours can all mean a cheaper home insurance premium: To home insurance companies, these measures demonstrate that your home is at a lesser risk from occurrences such as burglary, than those households without such measures in place.
Also, another good way to ensure that you receive a discount on your premiums is to elect to pay a higher excess should you need to make a claim.
It is also worth noting that most home insurance providers offer a discount for purchasing your home insurance premium online. Once again, the sum varies from company to company, but the amount is usually between around 10 and 30%, so be sure to have a shop around. Do remember though, that the details of the policy should determine whether you purchase it, not the size of the discount. However, it is perfectly possible to find an appropriate level of cover for you with a substantial discount.
*All information displayed in this table is subject to change. Please consult individual insurers for terms and conditions.
