We all need house insurance, so here are 12 easy steps to help you pay less

1. Insurance premium tax is rising from March 1. At present you pay a 6 per cent tax on home insurance premiums, but this will rise to 9.5 per cent. If your insurance expires in March, it may be worth renewing early.

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Insurance companies will be confronted by the taoiseach and senior ministers today over their refusal to cover people in flood-prone areas.

With floodwater receding across the country, the true cost of the destruction is only now becoming clear.

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Reader hit by 1,300% insurance increase for a home that has never flooded

ALASDAIR BAXTER’S holiday home has never been flooded. But, last month, his insurer suddenly decided it was at “extreme risk” and raised the annual premium from £301 to £4,380 — an increase of more than 1,300%.

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Consumers are being left out of pocket because their insurance routinely falls short of expectations, according to a study carried out by the Chartered Insurance Institute (CII). The survey of 2,004 adults, by the body that oversees professional qualifications, uncovered a poor level of understanding about key aspects of home, travel and motor insurance cover, which can leave claimants with unexpected bills. [Read more…]

By pure chance six weeks ago I discovered that I have been paying for mobile phone insurance at £4.99 a month for 11 years.

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