Home Insurance Claim

Mollie1981

My shower tray has cracked and it has leaked down onto my living room roof. Been quoted £250 to replace shower tray and was considering claiming on insurance - Would this be covered?

Money is tight at mo, so would be great if i could claim. I am with the Post Office (underwriter is Norwich Union) but terms and conditions are as vague as ever

Thanks

Labman_2

Mollie1981 wrote: »

My shower tray has cracked and it has leaked down onto my living room roof. Been quoted £250 to replace shower tray and was considering claiming on insurance - Would this be covered?

Money is tight at mo, so would be great if i could claim. I am with the Post Office (underwriter is Norwich Union) but terms and conditions are as vague as ever

Thanks

Would imagine you would have an excess to pay & on top of that lose some 'no claims discount' when you come to renew. You need to do the maths & see what's best for you. If you decide a claim would be worthwhile financially, contact your insurer & let them take it from there...they'll soon let you know if you're covered.

Also is the £250 figure you quote based on it being an insurance claim or a private deal....it can make difference pricewise. I was quoted £120 for replacing 1 roof tile through my insurance or £40 cash in hand......chased him & did it myself!

Mini_John

depends on cover and what happened to the tray - if it was accidently damaged (dropping something heavy on it) then they tray is covered and the resulting water damage is covered, buth under the same claim and with only one excess (usually £120 for NU policies). If your tray cracked due to wear and tear, old age etc. it will be declined but you will still be covered for the escape of water and the damage to your ceiling. You can go as far as making the claim and letting the insurer appoint their repairer to do a quote, if not worth losing your excess and usually a 10% increaee on your BUILDINGS premium you can cancel the claim with no costs and no loss of bonus.