Our Customers Love Us!

Home Insurance

Get a Quote

Get Quote

HomeProperty InsuranceHome InsuranceHome Insurance Deals

Home Insurance Deals

Home Insurance Deals – The Incentives Used by Insurance Companies

As consumers continue to cut back on their household expenditure, many are looking for better home insurance deals to save money. To make their products appear more attractive, many home insurance companies are coming up with a range of deals to tempt home owners to switch provider. Most deals are designed to attract different types of consumers, for different reasons. Sometimes the more novel and innovative the special offer, the more effective the advertising message becomes. Sometimes the sheer stupidity of an advertising campaign, can stick in the minds of consumers.

Perception is Reality – we are all attracted to offers in different ways. Many of us get more excited about the deal itself, rather than the small print of an insurance policy. Sometimes we can relate to the message in the advertising – some specialist home insurers may target specific interest groups, with offers that only apply to that particular group of people. Like all effective marketing deals that aim to save you money, advertisers also need to associate their product with a specific emotional buying need. For instance the security of a trusted provider, or the efficiency of a claims department should a crisis happen, all the comfort people feel with buying a brand that their friends and family also use. Quite simply a ‘deal’ is a reflection of the consumer’s perception of a product and how it will benefit them personally…

Combined Buildings and Contents Insurance – perhaps one of the most widely used types of deals from home insurers, is to offer a special discount should policyholders choose to buy both the buildings insurance and contents insurance together. Policyholders see the simplicity – in that they only have to deal with one insurance company, with one set of paperwork and one claims process – all for one price. Buying a combined policy may not be appropriate for every situation due to the nature of the policy wording, the type of building and the individual situation of the home owner.

Risk Related Discounts a risk related discount is usually advertised by offering a percentage off the normal premium, for customers who can prove they have not made any previous claims in the past. Policyholders that have made many claims in the past, are deemed by insurers’ to more likely to make them again in the future. If this type of home insurance deal is ongoing, policyholders know that by not submitting very small claims, they may be able to secure this additional discount at renewal time.

Cash Back Offers – some companies are simple cash amount or ‘cash back’, after you have switched to their home insurance product. Most extend this ‘thank you’ amount every year upon renewal, as long as there has been no home insurance claims. Always check the small print of the deal. Many such offers will only pay out cash back following a minimum period during which the policy is not cancelled. You could argue that getting some cash back is no different from receiving a big discount in the first place. However many consumers perceive that they have acquired something, which they might not have ordinarily received had they not switched provider in the first place.

Online Only Offers– some companies are offering cheaper home insurance deals when you buy online, as opposed to buying over the telephone. The logic to this is fairly simple – the unit cost per sale is much lower in an online automated process, when compared to the cost of employing a call centre operator. Call centre operations can be incredibly expensive as they involve highest staff turnover rates, the costs of infrastructure such as desks, computers and telephones. However with an online ‘click and buy’ process, there is very little overhead per sale. Some people may feel slightly uncomfortable making an important financial buying decision, without first speaking to a representative of the home insurance company. Many deals are restricted to ‘new business’ customers only – and specifically exclude existing policyholders.

Extra Months for the Price of 12 – some deals now aim to market the number of additional months provided free, for the price of 12. It could be argued that this is no different from a discount. However consumers perceive they are achieving greater security for a longer period. They want the comfort of knowing they are achieving some sort of deal. One of the primary objectives of most home insurance is to maintain the book of ‘renewals business’. Therefore these types of ‘loyalty deals’ are extremely popular amongst the most of the major home insurance companies.

Shopping Points – some are home insurance deals are based upon receiving a certain number of ‘shopping points’ when policies taken out. As millions of UK consumers already collect popular brands of supermarket points, this is perceived as quite an appealing offer. Many are aware of the real ‘value’ of a shopping point, and how and where it can be spent. In many cases the value of shopping points goes up per point, should they be redeemed in the course of spending even more money in a shop. This helps the retailer generate future business. While consumers are comfortable in the knowledge they are likely to make repeat purchases for fast moving consumer goods anyway.

Extra Covers – some home insurance deals are marketed upon providing additional covers or comprehensive levels of cover for specific purposes. For instance one of the popular additional options is sometimes legal expenses cover, which provides useful liability protection for homeowners concerned about the cost of being caught up in some form of future legal dispute. Different insurers covers vary and so you should aim to put your insurance needs above any special offers, freebees or discounts.

For a Home Insurance Quote contact Assetsure. We are able to offer insurance for a wide range of Uk property types including nonstandard construction

Latest News & Advice

Woodworm Dry Rot

Woodworm Dry Rot

Woodworm, Dry Rot and Wet Rot. One of the most costly maintenance problems for homeowners is woodworm, dry rot and wet rot. If left untreated it can huge amounts of damage to the interior of your home. There are treatments and remedies to prevent it’s spread and to eliminate the problem it becomes critical. Woodworm is most commonly caused by the furniture beetle which leave larvae boreholes inside the major woodwork elements of a property. These area include the roof timbers, joists, staircase and floorboards. Woodworm can also infest ordinary household furniture causing a home insurance claim problem....

Types Door Window Locks

Types Door Window Locks

Types of Door and Window Locks – when purchasing a home insurance policy, you may find that your insurance company want you to have certain security measures in force at your property. These should be studied most carefully as without the correct protection being in force, you may find your cover compromised in the event of a claim. For most people, this involves having good quality door and window locks. Good physical security at your property, will be of a far greater benefit in deterring Theft than having an alarm fitted, but not being a lock expert, have do you discover if you have the correct locks fitted at your home?...

Subsidence Structural Problems

Subsidence Structural Problems

Preventing or Dealing with Subsidence and Structural Problems.Whilst subsidence is usually covered by a building insurance policy, it is definitely something that you do not want to happen at your property if at all possible. Claims for subsidence can be on the large side ( hence the reason for the standard policy excess being £1000) and even if the building is repaired by the insurance company, you may find that’s in the future, insurance is harder to source ( and possibly more expensive) and the market value of the property and it’s marketability may also diminish...

Why choose our specialist insurance cover?

Artboard 2 copy 18

Home Insurance from Assetsure icon-thin-chevron-down

Our Home Insurance can provide cover for your Buildings, Contents and Personal Effects. Monthly payments available

Artboard 2 copy 20

Legal Assistance as Standard icon-thin-chevron-down

All our policies include Legal assistance as standard up to £50,000 This offer Legal protection for problems relating to employment, contracts, property and personal injury etc.

Artboard 2 copy 21

Home Emergency as Standard icon-thin-chevron-down

All our policies cover Home Emergency as standard up to £500. this offers protection against unexpected events such as the failure of your main heating system, blockage of drains or failure of your domestic gas or electricity supply

Artboard 2 copy 22

£1,000,000 Cover for Buildings icon-thin-chevron-down

We automatically provide you with £1,000,000 cover for rebuilding cost of your property, ideal if you are unsure of your re-building cost.

Artboard 2 copy 17

Excellent service offered icon-thin-chevron-down

We like to offer all our customers a first class service, which is backed up by our Trust pilot ratings. We are open 6 days a week to assist you with your enquiries.


Instant cover and policies icon-thin-chevron-down

Most of our policies you can now buy online and receive instant documentation. Of course, you are more than welcome to call us and we can provide your cover over the phone