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Direct Home Insurance

Getting home insurance through a comparison site is for many the standard way of finding their ideal policy, but those willing to put in a little more effort can find that going direct to an insurer can deliver big benefits.

Why buy Home Insurance Direct?

Save money - The big comparison sites charge insurers a significant commission payment, and particularly for those with a more modest premium, say under £400 the payment of this commission can result in insurers having to add it to the cost of the policy. Insurers who choose not be be featured on comparison sites avoid such fees and can offer cheaper premiums.

Better cover - insurers know that unless they are in the top five companies on a comparison table they are unlikely to win much business. Therefore they often 'strip down' their policies removing elements that many of us might miss until we come to claim. We have found in a number of cases that standard policies not offered through comparison services offer better cover.

Who offers great Direct Home Insurance

Post Office Insurance Reviewed

Guaranteed £50 saving over your current policy until 30th September 2013*

The Post Office offer a significant extra bonus currently for non comparison site visitors. They are offering until the 30th September 2013 a guaranteed £50 saving* over your current policy - as long as you don't go via a comparison website. Full details of the promotion is on their website.

They also offer:

Best quote are provided from a panel of insurers
Free 10% extra contents cover at Christmas and Weddings*
Contents replaced on a new-for-old basis1
24/7 claims helpline
Cover for Students at University

Getting a quote from Post Office takes only two minutes so its a really quick process to check whether they are the company for you.

*Terms and conditions apply. Please refer to the Post Office website for full details. Only available direct with Post Office in branch, by phone or online at postoffice.co.uk (available through our link above but not via home insurance comparison websites).

John Lewis Home Insurance Reviewed

Unlimited Buildings and Contents Cover comes as standard* with John Lewis Home Insurance

Other benefits include:

Unlimited Alternative Accommodation as standard
Valuables cover up to £15,000 per item as standard
Total valuables limit of at least £30,000 as standard
New for old replacement
Optional Personal Possesssions away from home cover
Covers bicycles with you when abroad
Garden furniture, tools
Optional 24 hour Home Emergency service - up to £1,500 parts and labour for uncontrollable emergencies

John Lewis are fast gaining a great reputation for insurance. The company started offering policies under the Greenbee name but have now rebranded. John Lewis is an appointed representative of AXA Insurance UK plc which is authorised and regulated by the Financial Conduct Authority.

*There is no total sum insured, but other limits apply including single article and total valuables limits.

This information is based on journalistic investigation and research. It is not financial advice. Any information should be considered in regard to specific circumstances. Any suggestions followed up are done so at your own risk and your own research is key.




Direct Home Insurance

Direct Home Insurers


Post Office

Highly Competitive Home Building and Contents Insurance
New for old cover
10% extra contents cover at Christmas and Weddings 1




John Lewis

Unlimited* Buildings and Contents cover
£15,000 per item, £30,000 total valuables as standard
New for old cover
Unlimited Alternative Accommodation cover