Yorkshire Water Insurance - Worth it?

andyfromotley

Mail today brought Yorkshire Water offering home plumbing cover (through Homeserve) for 50p per month for a year.

Seems like a decent deal, what d'ya wise MSE types reckon?

InsideInsurance

Depends what it covers and what insurances you already have.

You'd also need to be careful to catch the renewal when inevitably it will jump up considerably to its normal pricing.

Jabba_flabba

I have also received a letter from Yorkshire Water about plumbing protection through Homeserve, and would be grateful to those experienced in these matters for their opinion. I don't currently have any plumbing insurances. Thanks.

Here is the letter (apologies for the poor quality):

HomeServe_company_representative

Hi andyfromotley

I’m part of the team at HomeServe and would be happy to answer any queries you may have about our cover. If you’d like to get in touch please find our contact details on our profile page.

All the best

Famena
Here To Help Team
HomeServe

HomeServe_company_representative

Hi Jabba_flabba

If you have any specific questions about our cover, we’d be more than happy to discuss any queries you may have. If you’d like to get in touch with the team you can find our contact details on our profile page.

Best regards

Famena
Here To Help Team
HomeServe

timbo29_2

Hi

I'm reopening this posts as I keep on receiving latter's offering y w homeserve. Would this not be included on house insurance? Do y w offer this to all properties? Or just those at risk?

Tim

so_very_confused

I have also received one of those letters.
I am sure I read somewhere that this was generally covered by the water board however when I read that it sounds ridiculous! Is it from the boundary to the mains?
Anyone any ideas?
Thanks

qsk

so_very_confused wrote: »

I am sure I read somewhere that this was generally covered by the water board however when I read that it sounds ridiculous!

Not really. It covers most of plumbing/drainage related issues in your home, even including those that are not "emergency", such as a dripping tap etc. I signed up to it and had used the service to have my tap replaced (though taking a bit long as it is not emergency).
Personally I think it's a good value for the first year (and first year only).

amersall

I recieved a few of these letters but I contacted my house insurance to see what I was covered for, I am already covered for what homeserve are offering. Best to check your house insurance first.

qsk

amersall wrote: »

I recieved a few of these letters but I contacted my house insurance to see what I was covered for, I am already covered for what homeserve are offering. Best to check your house insurance first.

I doubt it - better check it again.
Your home policy might have an emergency add-on which covers leak/blockage etc, but not for dripping/seized taps. The latter is actually a more serious problem in my (hard-water) area.

FutureGirl

Your home insurance (if it doesn't have home emergency added onto it) is very unlikely to cover any internal pipes, unless you have accidental damage cover and you accidentally damaged the pipe.

Even if it does have home emergency cover, most of the time if they can't repair the issue there and then they will just turn off the water, to stop the emergency.