Sheila's wheels Home Emergency Insurance or NOT

Hi

I took out a home insurance policy early this year, I also paid for the extra Home Emergency Policy, believing I would be covered

Last night -5c the house suddenly plunged into darkness, boiler and all the sockets, the house lights still worked, but obviously the table amps we had on all failed.

So went to the consumer unit and saw the sockets had tripped and wouldn't reset, so looked round the house for anything obvious, plus unplugged every appliance from the sockets and tried to reset the trip...nope

Ahhh Sheila's Wheels Home Emergency Policy :D so I rang them and went through the usual inside eg measurement, D.o.B etc, and then the "how can we help you bit?" I said the electric gone off in that all the sockets and central heating is off, plus it's very cold, so could someone call round please ?

"Oh I see, sorry, electrics are not an emergency and are no longer covered"

"Sheila, to you they are not an emergency, but to me they bloody well are"?

End result, no cover for electrics, although the policy clearly states they are, and I have been with them for a number of years, I am told they stopped covering electrics around April or so, and wrote to customers ? really, not to me they didn't and how the hell is a comprehensive home insurance policy, one that doesn't cover electrics.

So local electrician called out, now waiting for the bill, thanks Sheila
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Comments

  • rs65
    rs65 Posts: 5,682 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Combo Breaker
    End result, no cover for electrics, although the policy clearly states they are, and I have been with them for a number of years, I am told they stopped covering electrics around April or so, and wrote to customers ?
    When was your renewal? Was it before April?
  • Happychappy
    Happychappy Posts: 2,937 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Yes March?
  • rs65
    rs65 Posts: 5,682 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Combo Breaker
    Well, changes they made in April shouldn't affect you until your next renewal in March 2013. I don't see how they can impose a change on you one month after your renewal.
  • ihateyes
    ihateyes Posts: 1,326 Forumite
    http://www.sheilaswheels.com/wcm/groups/public/documents/webcontent/sw_home_policy_booklet_may2012.pdf

    this is their t&c's for policies taken out nov 2011 and nov 2012.

    Im afraid electrics is not in that policy booklet.

    In their previous booklet it is.... but would they still have came out for you???

    Reason i query, is you had a partial power failure..... you atill had power.

    You see this is the tricky bit... some insurers will cover if all lights or all power sockets have failed.

    Other say it must be a complete failure in the house.

    Have you got your renewal letter? does it make reference to this this significant change?

    If not might be worth starting a complaint, and going the whole way to the FSA if they dont comply.
    Promo codes are never always cheaper..... isnt that right EuropCar?
  • sharnad
    sharnad Posts: 9,904 Forumite
    i dont bother with that as I am covered with british gas
    Needing to lose weight start date 26 December 2011 current loss 60 pound Down. Lots more to go to get into my size 6 jeans
  • Scrounger
    Scrounger Posts: 1,088 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    So local electrician called out, now waiting for the bill...
    What was the fault causing the tripping in the end (in case it happens to me)?

    Scrounger
  • amcg100
    amcg100 Posts: 281 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    sharnad wrote: »
    i dont bother with that as I am covered with british gas
    god help you then when you have an emergency
    If a man does not keep pace with his companions, then perhaps it is because he hears a different drummer. Let him step to the music he hears, however measured or far away. thoreau
  • Scrounger wrote: »
    What was the fault causing the tripping in the end (in case it happens to me)?

    Scrounger

    Turned out to be dampness in a socket in the conservatory, fortunately the house insurance is up for renewal in a few weeks, so Sheila can wheel off down the road
  • sharnad
    sharnad Posts: 9,904 Forumite
    amcg100 wrote: »
    god help you then when you have an emergency


    I have already they were great quick efficent and fixed everything much better than homeserve who i used to have
    Needing to lose weight start date 26 December 2011 current loss 60 pound Down. Lots more to go to get into my size 6 jeans
  • dacouch
    dacouch Posts: 21,636 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Turned out to be dampness in a socket in the conservatory, fortunately the house insurance is up for renewal in a few weeks, so Sheila can wheel off down the road

    It will do you a favour as SW are a bad Home Insurer, do a search of MSE or google for the complaints, they're v serious problems unique to SW
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