Drainage insurance

Slips36

I’m covered by my building insurance for drainage for accidental damage but not for wear and tear. Is it worth getting separate drainage insurance?

Alter_ego

Insurance policies never cover wear and tear. You need a maintenance contract for that. Wear and tear isn't usually a problem in drains

dunstonh

Do you have particular issues that make it sensible to insure your drainage?      

Slips36

dunstonh said:

Do you have particular issues that make it sensible to insure your drainage?      

No issues I’m aware of but in my previous house I had drain problems due to bad workmanship by previous owner. The waste pipe under the patio split and had to have it properly done at cost of over 1k. 
The waste pipe in my present house which I bought 6 weeks ago seems in good condition and have no blockage so far but I don’t want to fork out large sum of money for similar situation.

mattyprice4004

Slips36 said:

dunstonh said:

Do you have particular issues that make it sensible to insure your drainage?      

No issues I’m aware of but in my previous house I had drain problems due to bad workmanship by previous owner. The waste pipe under the patio split and had to have it properly done at cost of over 1k. 
The waste pipe in my present house which I bought 6 weeks ago seems in good condition and have no blockage so far but I don’t want to fork out large sum of money for similar situation.

It's not a normal insurance situation so cover will be expensive, and they don't cover wear and tear anyway. 
Just put a bit away each month just in case if you're worried. 

fwor

Slips36 said:

I had drain problems due to bad workmanship by previous owner.

Insurance companies usually have terms that exclude problems caused by bad workmanship (or allegedly bad workmanship). I had a wall that had stood up fine for 35 years but was blown down in a gale 6 years ago. The insurance company refused to pay anything, quoting "bad workmanship" in the construction of the wall.

Scrounger

Homeserve plumbing and drainage cover @ £1/month:

http://www.homeserve.com/uk/insurance/plumbing-drainage-cover

What's covered:

The main things you can claim for

• Leaking pipes within your home
• Blocked drains
• Blockages to sinks and toilets
• Leaks or blockages to your water supply pipe
• Dripping or seized taps
• Unlimited number of claims

Scrounger

Slips36

Scrounger said:

Homeserve plumbing and drainage cover @ £1/month:

http://www.homeserve.com/uk/insurance/plumbing-drainage-cover

What's covered:

The main things you can claim for

• Leaking pipes within your home
• Blocked drains
• Blockages to sinks and toilets
• Leaks or blockages to your water supply pipe
• Dripping or seized taps
• Unlimited number of claims

Scrounger

They have appalling reviews. Are they any good?

Olibird

Scrounger said:

Homeserve plumbing and drainage cover @ £1/month:

http://www.homeserve.com/uk/insurance/plumbing-drainage-cover

What's covered:

The main things you can claim for

• Leaking pipes within your home
• Blocked drains
• Blockages to sinks and toilets
• Leaks or blockages to your water supply pipe
• Dripping or seized taps
• Unlimited number of claims

Scrounger

£1 a month? They’ve just sent my mum’s renewal quote at £24.71 a month, nearly a 50% increase on the previous year, so I’m looking for cheaper options for her.

SaverRate

Olibird said:

Scrounger said:

Homeserve plumbing and drainage cover @ £1/month:

http://www.homeserve.com/uk/insurance/plumbing-drainage-cover

What's covered:

The main things you can claim for

• Leaking pipes within your home
• Blocked drains
• Blockages to sinks and toilets
• Leaks or blockages to your water supply pipe
• Dripping or seized taps
• Unlimited number of claims

Scrounger

£1 a month? They’ve just sent my mum’s renewal quote at £24.71 a month, nearly a 50% increase on the previous year, so I’m looking for cheaper options for her.

If you cancel the insurance then take it out as a new customer you get a returning customer offer of £4 on the website.

Alternatively they do  plumbing, drainage and electrics insurance for £4 a month

SaverRate

Slips36 said:

Scrounger said:

Homeserve plumbing and drainage cover @ £1/month:

http://www.homeserve.com/uk/insurance/plumbing-drainage-cover

What's covered:

The main things you can claim for

• Leaking pipes within your home
• Blocked drains
• Blockages to sinks and toilets
• Leaks or blockages to your water supply pipe
• Dripping or seized taps
• Unlimited number of claims

Scrounger

They have appalling reviews. Are they any good?

Called them out under my home insurance policy they came the same day for a small drip on some water pipes. 

Had them out to service my boiler and had good service too.