This year's buildings and contents insurance

I won't be getting this year's buildings and contents insurance for free this year ;( The highest Quidco cashback rates have dropped since last year.

But if the cashback comes through then it's still looking free for contents and good value for buildings. Here're the numbers:

Contents: Halifax, £55 cashback, £52.50 quote, £150 excess, unlimited cover (excluding credit cards, mobiles phones and cash). Paid via interest free direct debit.

Buildings: Asda, £68 cashback, £92.15 quote, £200 excess. Paid using VISA as they didn't accept American Express so a missed 1% cashback opportunity.

Note, it's worth playing with the excess because some companies didn't increase the premium when reducing the excess, eg for Asda, it made no difference to have an excess of £150 or £250.

I also checked out Lloyds as they are offerking £120 cashback if you get joint buildings and contents cover but the quote was £197 so it wasn't a cheap as buying separately from different companies.

Update: Checked Quidco this morning and pleased to see:

£68.00 from Asda Finance tracked* on 14/09/2008
£55.00 from Halifax Home Insurance tracked on 14/09/2008