Anyone got home insurance through halifax/RBS

Brodiebobs

sam just advise when your getting the quote you dont live there yet, most places have 14 or 30 days from when the policy starts to ammend details so you dont need to worry.
Just be as honest as possible and read all the paper work.... if you dont understand phone and ask them, note down names of who you speak to and the time, you'll be fine.
good luck with the house.

dacouch

Halifax / BOS like small print and have some exclusions that are not common with the rest of the market

Brodiebobs

dacouch wrote: »

Halifax / BOS like small print and have some exclusions that are not common with the rest of the market

such as??????

dacouch

This is from a quick skim read of their policy so is not exhaustive.

They exclude claims for the following

Pitch Fibre pipes

If you have a flat roof which is over 10 years old they will not pay for the damage water does to the property if it came in via the flat roof (The majority of companies would cover this under Accidental Damage or possibly the Storm Section)

Theft claims while you are away from the property are only covered if force or violence is used to gain entry or exit to the house (This exclusion is probably common with circa 50% of Insurers but is worth noting).

There is no Accidental Damage cover to Clothing or Contact lenses

You have to opt into (and pay for) mobile phone cover, it excludes damage caused by any type of liquid which is a fairly common claim for mobiles.

It has an exclusion that any claims that are directly or indirectly as a result of alcohol or non prescription drugs are not covered

PasseySam

OK thanks, I think I'll try to get hold of the policy terms and conditions and have a read.

The property has a kind of dormer window with a flat roof sticking out of the side of the main pitched roof - does this count as a flat roof even though it is such a small % of the total roof size? I'm guessing that according to the conditions you have mentioned about water damage from flat roofs then this could be a problem, as flat roofs seem to be prone to leaking if they are a bit old from what I have heard.

When you say the cover excludes claims that are directly/indirectly as a result of alcohol or drugs - presumably that means if you come home drunk and accidentally put you foot through the patio doors or something i.e. accidental damage rather than if a drug-addled alcoholic breaks in and nicks your stereo? Guess it could have implications for accidental damage if you have a party and something gets damaged... how would you prove whether it was a result of alcohol or not...

Thanks for very useful tips, will keep reading....