Is Drain, Cable and Pipe Addon worth it?

Stoke

Hello,

Time to renew the old home insurance and I'm amazed how cheap they are this year. Seem cheaper than the last few years.

Anyway, QuoteMeHappy is my cheapest offer but don't include an addon I usually have: 'Drain, Cable and Pipe' insurance.

Is this actually a useful addon? It's only £10 a year extra to have it, but it doesn't actually cover the majority of cases.
"This covers damage to underground drains, pipes and cables that you are legally responsible for and provide services to or from your home."

and then

"All our policies cover loss or damage by specified causes like fire, storm and flood to underground pipes and cables, fixed glass and sanitary fixtures and fittings (e.g. baths, basins, shower trays, shower screens etc.)."

Accidental damage isn't covered though and I doubt bad workmanship is either. So is this actually worth it? How does a shower screen break without accidental damage?

BooJewels

Only you can decide what is appropriate for your household and circumstances, but we had a collapsed soil drain under the house about 5 years ago that was causing damage in the property, as the leakage from it was wetting the earth and causing movement in the structure above. It was actually discovered by the insurers structural engineer assessing damage from another incident we were claiming on - thankfully they honoured this as a second claim as it overlapped with work they were already going to do.

The repair involved it being re-lined and made good under the house itself (to save digging up 2 rooms) and all the outside garden was dug down several feet, new piping and making good, right to the mains in the street - turns out it was in a total mess once they started working on it, we'd been sitting on a time bomb.

The entire process took about a month and cost many thousands of pounds - all covered by insurance.

I'd say that a tenner would be pretty good value, as you're responsible for the sections of mains that cross your property.

Stoke

BooJewels wrote: »

Only you can decide what is appropriate for your household and circumstances, but we had a collapsed soil drain under the house about 5 years ago that was causing damage in the property, as the leakage from it was wetting the earth and causing movement in the structure above. It was actually discovered by the insurers structural engineer assessing damage from another incident we were claiming on - thankfully they honoured this as a second claim as it overlapped with work they were already going to do.

The repair involved it being re-lined and made good under the house itself (to save digging up 2 rooms) and all the outside garden was dug down several feet, new piping and making good, right to the mains in the street - turns out it was in a total mess once they started working on it, we'd been sitting on a time bomb.

The entire process took about a month and cost many thousands of pounds - all covered by insurance.

I'd say that a tenner would be pretty good value, as you're responsible for the sections of mains that cross your property.

Smashing.

Will go ahead and pay it then.

kingstreet

Surely that would come under trace & access cover, a feature many of the better plans include free?

Stoke

kingstreet wrote: »

Surely that would come under trace & access cover, a feature many of the better plans include free?

To be fair, I'm looking at cheaper options currently. I will probably get better insurance next year when i'm earning more.