External Water Pipe/Drain Insurance?

pearl123

Last year I took up Homeserve insurance, but I am now coming up for re-newel. (I hear now that they are terrible if you nee to make a claim.)
Is there any home insurance that offers external Water pipe/drain insurance in their insurance. I have had a little hunt around. It seems a few offer accidental damage.
If anyone has some suggestion for a route to look into I'd be grateful. The reason why I'd like some external water pipe/drain insurance is because I live in and older property and therefore the drains are pretty old. thank you.

EdGasket

If any neighbour's rainwater empties into your pipes, then it is a common pipe/sewer (not sure of the correct term) and the responsibility of the water company. Accidental damage to drains/pipes may well be part of your house buildings insurance. If you are after an insurance that covers any possible problem, I think you will struggle.

pearl123

EdGasket wrote: »

If any neighbour's rainwater empties into your pipes, then it is a common pipe/sewer (not sure of the correct term) and the responsibility of the water company. Accidental damage to drains/pipes may well be part of your house buildings insurance. If you are after an insurance that covers any possible problem, I think you will struggle.

Some policies cover accidental damage but not wear and tear.
I don't really want to re-new with Homeserve as I am aware of Which magazines research on external pipe insurance - ie that it might be mis-sold.


I'll keep hunting around to see if there is something, but I beginning to realise that I might be wasting my time and perhaps my money.

kingstreet

If there is a supply pipe issue on your property, most water companies offer one free repair, so you might find your HomeServe cover is pointless, as many do.

Check your water company's policy on its website.

Next, trace & access.

This cover which is an add-on for buildings insurance offers to trace the source of the leak and make good, where otherwise you would only be covered for the effects of the leak;-

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/58/58-home_insurance.htm

HomeServe_company_representative

Hi Pearl123

I’ve read your post about the renewal of your cover and would like to try and address your concerns about negative comments about HomeServe.

We’re passionate about providing a first class experience for all of our Customers. If you take a look at HomeServe.com/reviews you’ll see feedback across our products and we always welcome feedback. Many of our Customers are satisfied with the service that we provide, in fact 94% of our Customers have said they’d choose HomeServe again and this is something we’re incredibly proud of.

To acknowledge your query, there are however some negative reviews and articles that have been shared about HomeServe. This information is equally important to us as a business as it helps to understand what our Customers think of our service. We pro-actively use such feedback to shape our service and make it better for our Customers at every available opportunity.

I do hope that you choose to stay with us and experience our service for service for yourself should you need to make a claim. Of course if you have any other queries and would like to speak to a member of the team you’re welcome to get in touch with us. You can find our contact details on our profile page.

Kind regards

Famena
Here To Help Team
HomeServe