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Do home emergency premiums increase on call out?

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sb29
sb29 Posts: 52 Forumite
Second Anniversary 10 Posts Name Dropper
edited 22 February 2021 at 12:38PM in Insurance & life assurance
I have home insurance and an add on Home emergency cover, both by Admiral. I noticed a couple of leaks under my bath tub (hot water inlet and waste pipe). I am thinking whether to get a plumber in or arrange for a call out via Home emergency cover. If I go via the home emergency cover, will it increase the premium of the home emergency cover on renewal?

Comments

  • Weighty1
    Weighty1 Posts: 1,210 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    You would only normally be able to use home emergency if it is that, an emergency.  On the basis that you are able to post on here and await replies I'd suggest it isn't and think it's pretty likely the insurer would feel the same as well.
    In answer to your question though, no you would not expect them to increase, although your actual home insurance premium may.
  • TELLIT01
    TELLIT01 Posts: 18,017 Forumite
    Tenth Anniversary 10,000 Posts Name Dropper PPI Party Pooper
    Admiral cover does seem to be purely for emergencies such as major leaks and similar, although there's no harm in contacting them to see if you are covered for the problems you have.
  • tasticz
    tasticz Posts: 774 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    does claim on home emergency need to be declared in future as losses?
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