Is claim for home emergency cover a claim on contents?

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hugoshavez wrote: »

In practical terms no home insurance underwriter would take any action if they found a customer had failed to disclose the unblocking of a drain through home emergency cover.

That's exactly my point. Car insurers do precisely that - people here have been advised that emergency windscreen chip repair is a disclosable incident.
So is it like car insurance, or are house insurers more lenient and less pedantic?

hugoshavez

Clifford_Pope wrote: »

That's exactly my point. Car insurers do precisely that - people here have been advised that emergency windscreen chip repair is a disclosable incident.
So is it like car insurance, or are house insurers more lenient and less pedantic?

Hmm, I'd say the unblocking of a drain on home emergency is analogous to a windscreen chip repair.

I'm not sure what threads you're referring to, but I'd guess people have been advised to discose a chip repair to be on the safe side.

I'd be hugely surprised if someone got into trouble with a new insurer for not disclosing a chip repair though. (Windscreen replacement would be different)