Boiler/Plumbing Cover - British Gas

Scot_39

But does that count as a claim on main cover - so risk a premium hike.

And if a tennant or leaseholder - may not even be an option.

Some insurers iirc won't include emergency on contents only.  But that was a while back when sis lived in a flat.

Largs

The problem is, in recent few years, even without a claim ever my premium on home insurance went up by £50. I'll be adding home emergency to it at renewal. They seem to increase it with or without a claim.

I had plumbing and drains cover with BG and never again. Water was leaking into the pharmacy below me. Called BG who send Dynorod who they also own, 2 engineers turn up. Eventually tell me to phone a plumber as "plumbers can do things we can't do" I told him to find the leak. Cut up my bathroom floor and found where the pipe had separated at a joint, reconnected it. Chipped my shower tray, reconnected the cistern which began leaking too and left the bathroom in a complete mess. Just brushed all the smashed floor tiles and bits of floorboards into the hole he left.

Ten years I had the policy and literally was money down the drain. Took months to get a resolution to it.

Few years later same thing happened, pipe separated. This time I had no cover. The plumber found the problem and said the pipe should have been replaced along with the joint and not just reconnected. Another nearly £2000 in bills between plumbers and new floor tiles, and tiler, not to mention the disruption to the pharmacy business as water was dripping onto their computer overnight.

abxbsk

Scot_39 said:

But does that count as a claim on main cover - so risk a premium hike.

And if a tennant or leaseholder - may not even be an option.

Some insurers iirc won't include emergency on contents only.  But that was a while back when sis lived in a flat.

We have Home Emergency through our insurance (which I didn't realise!) and I checked with the insurer (Priviledge) and was told that you dont pay any excess and that you dont need to declare it at renewal because its not classed as a claim.

Somebody

abxbsk said:

Scot_39 said:

But does that count as a claim on main cover - so risk a premium hike.

And if a tennant or leaseholder - may not even be an option.

Some insurers iirc won't include emergency on contents only.  But that was a while back when sis lived in a flat.

We have Home Emergency through our insurance (which I didn't realise!) and I checked with the insurer (Priviledge) and was told that you dont pay any excess and that you dont need to declare it at renewal because its not classed as a claim.

Home emergency cover is separate and any claims on that does not impact your buildings/content insurance.  As it happens my previous claims on home emergency cover related to plumbing/heating have been attended by Homeserve. 

MarzipanCrumble

However - Home Emergency Cover is just that - they find the fault and will try to fix it or isolate it. It is diagnostics - and expect the homeowner to get someone in to really sort it out for a more permanent solution.  They should tell the homeowner what they found and how they (temporarily) fixed it.

(Also the engineer sent out maybe time limited - worth checking in the small print.)

abxbsk

MarzipanCrumble said:

However - Home Emergency Cover is just that - they find the fault and will try to fix it or isolate it. It is diagnostics - and expect the homeowner to get someone in to really sort it out for a more permanent solution.  They should tell the homeowner what they found and how they (temporarily) fixed it.

(Also the engineer sent out maybe time limited - worth checking in the small print.)

There is a £ limit on each call out on our policy and when I asked if it covered things like leaking toilets they said if you have 2 toilets in the house and one is leaking then its not classed as an emergency!  I think its for major problems and total heating failure so i'll bear that in mind.