House insurance void if boiler not serviced?

dadsarmy

Would your house contents or building insurance cover be void if you did not have your oil/electric/gas boiler serviced at the recommended intervals?

Would your house contents or building insurance cover be void if an electrical inspection of your house wiring did not take place every X years?

Has anyone any experience of claims be refused because a inspection/service did not take place?

Mynewt

Not being an expert in the insurance market, I would assume its technically possible as I would also asusme there would be some burden on the consumer to take steps to actively maintain the property and appliances.

In action however, I would have thought it would only have made void any claims relating to the boiler. But I could very well be wrong, this all guesswork and gut feeling with very little (if any) fact.

Premier_2

Well there are many houses that don't have their heating regularly serviced, and probably even more that has never had an electrical inspection since being built, but there are lots of insurance payouts.

Read the terms of your policy and see if there is any exclusions or endorcements regarding this.

kippen_noedel

Only by reading you own policy schedule will you find out the complete answer, calling your broker or insurer will give you their stock answer which may or may not be the full story.

Strictly speaking in law I believe if there was a fire or explosion that they could prove was directly your fault, through negligence, for not having it serviced, they would still have to prove that you knew there was a fault and ignored the situation.

Under those circumstances they might be able to refuse any claim for your own personal loss but you would still be covered for "public indemnity".