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House insurance that covers DIY issues

Discussion in 'General Discussion' started by Estrella, 24 Aug 2011.

  1. Estrella

    Estrella

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    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 :rolleyes:

    Do all insurance companies cover this sort of thing ?
     
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  3. thedigger

    thedigger

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    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.
     
  4. Estrella

    Estrella

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    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.
     
  5. cantaloup63

    cantaloup63

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    Are you planning anything in particular ;) New carpet maybe, or TV? Perhaps some replacement kitchen cabinets :LOL: :LOL:
     
  6. Estrella

    Estrella

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

    thedigger

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    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 :LOL:
     
  8. Susiejb

    Susiejb

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    ......oooops did get free car hire once by sobbing down the phone :)
    there was a perfectly valid reason :LOL:
     
  9. Alarm

    Alarm

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

    expertgasman

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    Be careful, matey, they use lie detectors now :D :)
     
  12. Alarm

    Alarm

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    Not implying to fraudulently make a claim.
     
  13. Alarm

    Alarm

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    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 :rolleyes:
     
  14. thedigger

    thedigger

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    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.
     
  15. Alarm

    Alarm

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