insurance for UNDERFLOOR HEATING

Okwii

Hi,

does any one know which provider covers underfloor heating? I can't seem to find any!

Thanks!

VictorM_2

What sort of perils are you wanting this system to be covered for?

Most companies would cover Accidental Damage to Underground Pipes and Cables servicing the home but I would not think that the underfloor heating system would come under this as it is part of the home (rather than supplying services to it).

If water or heating oil leaked from it (say if it got old and corroded) and damaged the property that is a standard escape of water claim however that would only cover damage done to your property rather than fixing the leak itself - this is unless you buy a policy with Trace & Access cover which would cover you for finding it and removing part of the structure to get to the leak but not to actually repair the leak itself.

Without knowing what specifically you want it to be covered for it is hard to answer the question - the above advice is based upon how the vast majority of policies would deal with this system but individual wording may vary.

VictorM_2

Just to add - this type of system would generally come under the definition of Buildings for insurance purposes.

InsideInsurance

It is simply a fixed heating system so is covered by your buildings insurance. Accidental damage would be covered under the AD section. Leaks due to defects/ wear and tear would be covered under Escape of Water but naturally the defect/ wear and tear wouldnt be insured.

Are you actually looking for more than this? Like a warranty product?