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 to 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

Guaranteed £50 saving over your renewal policy*

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

They also offer:

• Option to add extra cover for legal costs, unexpected accidents and more
• Free 10% extra contents cover at Christmas and Weddings*
• Contents replaced on a new-for-old basis
• 24/7 claims helpline

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

Unlimited Buildings and Contents Cover comes as standard with John Lewis Home Insurance Premier cover.

Other benefits include:

• Extensive cover for valuables
• New for old replacement
• Visitors' personal effects cover up to £2500
• Bicycle cover (and also Garden cover) to £5000 with Premier, optional for Essential and Plus
• 24 hour Home Emergency service

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 Royal and Sun Alliance plc which is authorised and regulated by the Financial Conduct Authority.

This content was last reviewed on 14/11/2018