Direct Home Insurance

Getting home insurance through a comparison site is for many the standard way of finding their ideal policy, but for 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

Principality Building Society Reviewed

Save up to 30% off all quotations accepted by the 31st October 2012 - visit the Principality Building Society for more details*

The Principility Building Society offer a tailored version of the Royal and Sun Alliance (RSA) policy, which offers all customers a standard £400,000 of rebuilding cover and £50,000 of contents cover. Their premiums tend to be very attractive, and although the Principality are widely known within their home country of Wales, they are building a customer base now right across the UK.

Customers find it really beneficial having a dedicated named claims handler which can save a lot of hassle if a claim needs to be made.

Other benefits include:

Claims services helpline available 24 hours a day, 7 days a week
Option for buildings cover only - up to £400,000
Option for contents cover only - up to £50,000
Option for both buildings and contents cover
New for old cover
Optional cover for digital downloads
Competitive premiums with a range of cover
Pay monthly at no extra cost

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

*Up to 30% off includes a 12.5% Introductory Discount and up to a 20% No Claims Discount depending on your claims history - discounts applied consecutively. No Claims Discount does not apply to home emergency and legal expense cover. The offer is open to new Principality home insurance customers and isn't available on price comparison websites.

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).

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.