Home Emergency Insurance / Homeserve

john432

Looking at the home emergency that you get as standard or add on's with home insurance.
So if I was to take out a policy say with homeserve cover for plumbing / electrics, which offer better cover limits, but already have emergency cover, does this matter?
So if I make a claim through homeserve, will they ask if I have cover elswhere.
Do I only have homeserve only with no emergency cover? or can you have home emergency and homeserve?

marcia_

 You can have as many policies as you want but make sure you're not doubling up cover and wasting your money 

john432

So, I have emergency cover from my home insurance provider.
And I have a homeserve policy for plumbing (because the limits are greater and offer extras like seized / dripping taps ), and lets say I have a scenario where I have a burst pipe, who would I call?
My home emergency cover or homeserve?
  

john432

Bump, have you got homeserve and emergency cover?

marcia_

 No I only have home emergency and wouldn't double up insurance it's such a waste of money. 

 You phone whichever one covers this particular problem with the smallest excess. 

user1977

marcia_ said:

You phone whichever one covers this particular problem with the smallest excess. 

Or you don't bother spending money on either, and just call out whoever can come quickest. I would save insurance for stuff which you couldn't otherwise afford.

daveyjp

Having had the experience of a Homeserve gas engineer who came to a boiler fault whilst it was under warranty, I wouldn't call them out ever.

Years ago my grandmother had a similar issue when they came to fix a blocked drain.  It was never actually fixed by them.

Cancel the policy and use the money saved to pay any shortfall with your other policy.

Trevohatfield

Homeserve now want £250 pa,  Do I need it.  Home insurance emergency costs  £50.  Comments suggest I am wasting my money.  I am dithering.