Sky protect or d&g sky protect , i didnt know i had both and paying through the nose ,m

[janlou]

Im totally confused. Sky protect or d& g sky protect whats the difference & why do i have both ?? Affording the monthly payments is becoming difficult i need to lose one at least. I have been sky customer 25 years. Need some advice please @Sky

[TimmyBGood]

@janlou 

Sky Protect from Zurich is traditional Building & Contents insurance: often required to have a mortgage, for example.

Sky Protect from D&G is device insurance (effectively an extended warranty and accidental damage cover for a few named electronic devices)

Building & Contents insurance doesn't replace a television set or Sky box when these stop working.

Device insurance doesn't get your house rebuilt if it burns down.

Typically Building & Contents is considerably more expensive because it's covering hundreds of thousands of pounds of risk.  Device insurance should be a few pounds a month, but 'protects' very little.

[janlou]

Thanks for response. So basically I dont need either as I have full contents & accidentall cover through my home insurance. 
thanks 

[TimmyBGood]

@janlou 

Home insurance doesn't cover repair or replacement of electronic items which fail when out of warranty though.