House insurance that covers DIY issues

[Estrella]

Hi,
As per the title really. Do all household insurance policies cover DIY issues ? The only reason I ask is that a mate of mine managed to drill through a central heating pipe and managed to flood the downstairs of his house

Do all insurance companies cover this sort of thing ?

 

[thedigger]

I think that would count as "accidental damage" for which there is usually an additional (slightly more expensive) premium. Check your mate's policy small print as self-inflicted damage may not be covered.

 

[Estrella]

Thanks for the reply. My mates insurance did cover him, I just wanted to make sure my insurance did the same. I just wasn't sure if it was standard on all policies or not.

 

[cantaloup63]

Thanks for the reply. My mates insurance did cover him, I just wanted to make sure my insurance did the same. I just wasn't sure if it was standard on all policies or not.

Are you planning anything in particular New carpet maybe, or TV? Perhaps some replacement kitchen cabinets

 

[Estrella]

LOL... no I'm not planning on intentionally destroying any of my household possessions !

 

[thedigger]

LOL... no I'm not planning on intentionally destroying any of my household possessions !

Just make sure it looks like an "accident". Your wife crying in the background while you call the insurance company adds at least 20% onto their settlement figure

 

[Susiejb]

......oooops did get free car hire once by sobbing down the phone
there was a perfectly valid reason

 

[Alarm]

Accidental damage should cover that as you found out. New for old is a good one to have too.

 

[expertgasman]

Be careful, matey, they use lie detectors now

 

[Alarm]

Not implying to fraudulently make a claim.

 

[Shutpa]

Not implying to fraudulently make a claim.

I hope not!!! http://www.google.co.uk/search?sour...438GB438&q=false+insurance+claims+on+the+rise

 

[Alarm]

I just thought it wise with a few flat screen tv`s and computers lying about with young children running about.
They are bigger now but I`ve always kept the same policy. Never claimed either.
Sods law if I took off the extra cover something would happen the next day

 

[thedigger]

Be careful, matey, they use lie detectors now

We actually had a fire at our house 3 months ago - it happened 4 days after I completed on the house and 5 days after I took out the insurance policy. I had their fraud team go over my last 10 years of insurance history before they would sign it off.

Oh, and it was genuinely not a "fix", dodgy electrics and rotten luck.

 

[Alarm]

Got to laugh, and not at your misfortune.
At the insurers, why would you set fire to a house you had just purchased???????