If Emergency Cover used will no claims be affected?

joe2cool

Hi just wondering if the 'Emergency Cover' used for a toilet flooding affects your no claims house insurance?

Appreciate any help

Thx

tasticz

usually it shoudn't affect the no claims but you may need to declare it in future

joe2cool

Hi thx alot appreciated

paddyandstumpy

What does the emergency cover provide cover for?

I'd imagine the emergency plumber is only coming out to shut off the water?

Then, if your floor/carpet is damaged and you claim on the insurance for replacing that, that's when the NCB is effected.

joe2cool

Hi thx for your quick reply. Water gushes out only when flushed. We have emergency cover & it looks like a seal near base as worn away. I assume they could replace this?

FutureGirl

joe2cool wrote: »

Hi thx for your quick reply. Water gushes out only when flushed. We have emergency cover & it looks like a seal near base as worn away. I assume they could replace this?

If they can't repair it there and then all they might do is shut off the water, as the cover is there only to stop an emergency, and they can do that by shutting off the water. It may take them a couple of days to submit the quote to the insurers and get that approved IF it's covered.

joe2cool

OK thx alot appreciated

qsk

FutureGirl wrote: »

If they can't repair it there and then all they might do is shut off the water, as the cover is there only to stop an emergency, and they can do that by shutting off the water. It may take them a couple of days to submit the quote to the insurers and get that approved IF it's covered.

I don't think that is how emergency policy works. Out of a main service is classified as an emergency. So if it is your only toilet in the house that is leaking, they need to fix it rather than just turning off the water.

joe2cool

Hi thx alot

stugib

qsk wrote: »

I don't think that is how emergency policy works. Out of a main service is classified as an emergency. So if it is your only toilet in the house that is leaking, they need to fix it rather than just turning off the water.

Policy wording I've usually seen generally refers to some element of urgency to prevent further damage occurring. This sounds like a simple maintenance job, not an emergency.

joe2cool

Hi the toilet is flooding from the waste outlet, wax seal worn