How much would it cost you to replace all of your possessions if you had to go out and buy them all new after a major robbery or fire?

This is the question you will have to start asking yourself now you are living away from home as a student, even though it is probably one of the last things on your mind once the first term kicks off, with possibly the first thing being ‘where’s the cheapest bar?’.

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You can now get a 35% online discount and a £50 shopping or fuel voucher if you buy Tesco Home Insurance before 17th September 2008.

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A new offer is currently running on Sainsbury’s Home Insurance which gives new policyholders a 25% discount and a £20 Sainsbury’s shopping voucher when purchasing combined buildings and contents cover between 19th August and 8th October 2008.

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Tesco has introduced a new structure for its Home Insurance products and is offering new customers a free voucher which can be spent on shopping or fuel.

There are now three types of Tesco Home Insurance policy; Finest, Standard or Value.

Additionally, if you apply for a quote before 20th August 2008, you will receive a shopping or fuel voucher worth up to £60 when you go on to buy the policy.

The value of the voucher you receive will depend on the type of cover you buy. You will receive a £60 voucher if you buy a Tesco Finest Home Insurance policy, £40 when buying the Standard policy and £10 for buying the Tesco Value policy.

To be eligible for the voucher, you need to enter the code homevoucher into the ‘Promotional Code’ box on the Tesco Home Insurance application form.

With both the Value and Standard policies you will receive up to £1 million home building insurance cover. The Finest policy comes with unlimited building cover.

Click the link for more information about Tesco Home Insurance 

This offer is current as of 29th JULY 2008. Terms and Conditions apply. For more offers please refer to the Offers section of compareandsave.com’s ‘Your money matters blog’.

Barclays are offering £50 cashback when you buy a combined buildings and contents home insurance policy.

It is also offering a 10% online discount which will be applied on each occasion you go on to renew your policy.

Barclays can provide buildings insurance up to £500,000 and contents insurance up to £50,000.

Your TVs, satellite boxes, aerials, games consoles, glass and mirrors will be covered in the event of accidental damage when you take out Barclays Contents Home Insurance.

What’s more, under the buildings insurance Barclays will provide you with up to £10,000 for you, your family and even your pets to live in temporary accommodation if you home becomes inhabitable as a result of fire or a flood.

Click the link for more information about Barclays Home Insurance

This month we are bringing you our top tips on how to protect your garden goodies from thieves and vandals because recent news has been full of stories about the increase in summer thefts from UK gardens.

Several publications have reported that Halifax Home Insurance found that garden theft goes up by 52% in the summer months, compared with the winter months.

Plus, recent research by NFU Mutual, the rural insurer, found that 33% of the people it surveyed had been victims of garden theft.

The thieves are set to come away with substantial hauls because, according to Lloyds TSB, the average garden contains goodies worth £1,237, with the typical cost of the most expensive garden item at £426.

Possibly more worrying is the fact that Lloyds TSB found that 55% of those surveyed have never even checked to see if their garden contents are covered by their home insurance policies.

Of course, the temptation is to avoid buying nice things for our gardens in case they get stolen. However, seeing as though summer sun in Britain is a rarity these days, we should be making the most of our gardens when we can and not let the thieves ruin it for us. So, how can we fight back against the garden criminals?

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Norwich Union is currently offering a 50% discount on its buildings and contents home insurance to people who have a 5 years’ no claim discount on their existing buildings and contents policies.

If you don’t have a 5 years’ no claims discount you will instead qualify for a 15% online discount off the price of its policies.

With Norwich Union home insurance you can choose to get additional extras such as Legal Services cover which will help you to pay legal fees resulting from a number of situations including, consumer disputes, personal injury claims and residential disputes.

If you ever have to make a claim, Norwich Union will replace items on a new for old basis, pay for replacement locks if you lose your keys and make sure your repairs are carried out by registered professional tradesmen.

Click the link for more information about the Norwich Union Home Insurance offer
 

Yesterday we published a news story about the extra cost faced by those consumers who choose to pay for their annual car insurance premiums in monthly instalments (‘£624m bill for pay monthly car insurance customers’).

Many people choose to spread the cost of the insurance premiums over 12 months because they cannot afford to pay the lump sum in one go.

However, because the insurance company is effectively giving the customer a credit facility when they allow them to spread payments, it will charge the customer interest for the privilege. Unfortunately, the interest rates are quite high (above 20%) so the consumer ends up paying a substantial amount more for their insurance policy by paying monthly.

So, how can you avoid these interest charges? 

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Direct Line is now offering free accidental damage cover on its home contents insurance.

What’s more, if you buy Direct Line Home Insurance online, you can now enjoy an online discount of up to 25%, up from 10%.

On top of this, if you don’t make a claim you will now receive an additional 10% discount off your renewal price next year.

Plus, if you are over 50, you can now enjoy a further discount off your premium.

Direct Line Home Insurance will replace your personal belongings on a ‘new for old’ basis including your carpets, curtains and garages and sheds.

Their home insurance policy also covers up to £500 cash kept in your home and provides an additional £5000 worth of cover for a number of weeks before and after Christmas and family weddings.

Click the link to find out more about Direct Line Home Insurance.