Drain insurance

Fen1

Hi. I've tried searching on here about drain/sewer insurance but can't find anything recent.

I think Homeserve (?) do it? Is it a good policy or should I look at someone like British Gas?
My mum has used her insurance a few times .

CliveOfIndia

What do you want the insurance to cover?  Unless you're doing something daft like flushing stuff down the toilet that you shouldn't, it's rare to have drain issues - and any minor blockages can usually be sorted very cheaply by DIY-ing it.

Sure, you can get things like when a drain collapses or tree roots rupture it, but that's fairly uncommon.

Just like any other insurance, it's a balance between risk and cost.  Given the low likelihood of needing drain cover in most domestic situations, "self-insurance" is probably the best bet.  Have a look to see what BG etc. would charge, stick an equivalent amount each month into a savings account.  If you should happen to need it, you'll have the cash ready.  If you don't need it, you've got a nice little nest-egg for a family treat or whatever.

If you do decide to get insurance, read the small print very carefully - often there are a list of exclusions as long as your arm.  But probably the best bet is to choose it as an add-on to your home insurance - most home policies will offer this as an optional extra.  Whether you think it's worth the additional premium is up to you.

ic

Also note that any shared drains are the responsibility of your water authority.  So you only need to "worry" about problems occurring in drains on your property that only carry your waste.

FreeBear

CliveOfIndia said:

What do you want the insurance to cover?  Unless you're doing something daft like flushing stuff down the toilet that you shouldn't, it's rare to have drain issues - and any minor blockages can usually be sorted very cheaply by DIY-ing it.

Only four things should go down a drain - Pee, poo, toilet paper, and water.

Fats, oils, flushable wipes, cotton wool, etc should all go in the bin - Even the so-called flushable wipes should be binned.

Have invested in a set of drain rods, and used them on a couple of occasions. Well worth the ~£20 I spent, and I can use them to sweep the chimney a couple of times a year.

ThisIsWeird

Our latest water bill came with an offer of drains/water insurance for £1pm, for the first year. I've seen them do this at regular intervals.
At that rate, I was almost tempted.

YoungBlueEyes

Ditto here. I did spend a few seconds considering it, before I binned it.

Fen1

Thank you to all.