Norwich Union - accidental damage insurance

HappyG1rl

I had to claim for water damage and now I've had a separate accident and ruined a carpet. I don't know whether to claim for it or not.

Astaroth

Escape of water should be covered but the cause of the escaped water normally isnt. The issue can be if it is the progressive action and not a one off occurance which may not be covered.

If they say cleaning is excluded from the policy ask them for the page and paragraph reference in the policy book, if they cant provide it then it aint there and so the "exclusion" doesnt apply.

justwannabeloved

Hi

We deal with nu claims in the call centre I work in.

I've been on hols with kids this week, but will bring home my policy booklet tomorrow. And will take a look. Im sure there is an exclusion for cleaning though...

As for the ceiling damage. It will be classed as escape of water damage, therefore you could claim. However you cannot claim for the pump that caused the leak, only for the damage that the escaping water caused.


regards
justwannabeloved

mattymoo

If this is a Norwich Union Direct policy then the cleaning clause is on page 9, 12 and 13 of the policy booklet - you can read a copy online here
http://www.norwichunion.com/library/pdfs/home-insurance-policy-wording.pdf

This is going by the page number, not the PDF page number by the way. When you load it just do Ctrl+f and then type "clean" to find all instances of the clause. It appears to be in every section, buildings, contents and personal possessions.

EDIT - just had a look at a More Than (Royal and SunAlliance) policy wording and it contains the same exclusions. Link here - http://www.morethan.com/process/documents/home_policy_wording.pdf

Edit again - just had a look at the Hiscox policy wording - same exclusion. Hiscox are noted for quite a wide ranging cover so this exclusion appears to apply across the board. Funny thing is, I do not recall seeing it in any documents in the late 80's / early 90's.

justwannabeloved

Thanks for that Mattymoo, I dont need to bring home policy booklet for exact wordings,(basically , to stopping myself from getting a slating) and then get to work monday and not have it !! lol

Will check barclays, finer, tapstery, woolwich and all the other policy books i can lay my hands on to what their policy booklets state too.. hopefully, it'll be a fairly quiet day on the phones tomorrow, and I can have a good snoop through them , well, i live in hope anyway
regards

ArchieB_2

Very common and virtually standard accross the market.