different types of cover people have?

Acidforums

Hi

Does anyone have experience of different covers which arent the obvious onesbut still useful?

Boiler cover? 
Electrics/electronics cover
plumbing/heating cover?

Just wanted thoughts if it was useful to do etc  
 

DullGreyGuy

Acidforums said:

Does anyone have experience of different covers which arent the obvious onesbut still useful?

Boiler cover? 
Electrics/electronics cover
plumbing/heating cover?

Just wanted thoughts if it was useful to do etc  

Have had Home Emergency before, only because it was bundled into a Home policy that was cheaper with it than to buy elsewhere without it. Had two claims, one was ok, the second was a blocked drain causing overflow (in flats so can't tell everyone else in the building to stop using water), dynorod came out quickly but declared it unfixable. Called own guy out and he fixed it before even ringing the doorbell, the insurer reimbursed the cost. 

Dont have any of the above these days, the ratio of premium -v- maximum realistic claim doesn't stack up to me. Appreciate they have a higher rate of claim but I'd rather pay out £300 when I need someone rather than £150 every year irrespective of if I need one. 

Acidforums

DullGreyGuy said:

Acidforums said:

Does anyone have experience of different covers which arent the obvious onesbut still useful?

Boiler cover? 
Electrics/electronics cover
plumbing/heating cover?

Just wanted thoughts if it was useful to do etc  

Have had Home Emergency before, only because it was bundled into a Home policy that was cheaper with it than to buy elsewhere without it. Had two claims, one was ok, the second was a blocked drain causing overflow (in flats so can't tell everyone else in the building to stop using water), dynorod came out quickly but declared it unfixable. Called own guy out and he fixed it before even ringing the doorbell, the insurer reimbursed the cost. 

Dont have any of the above these days, the ratio of premium -v- maximum realistic claim doesn't stack up to me. Appreciate they have a higher rate of claim but I'd rather pay out £300 when I need someone rather than £150 every year irrespective of if I need one. 

Thank you, yes that last comment is pivotal, at the moment iI rather do the same

Brie

I've taken out the plumbing cover when it comes with a good teaser offer.  £1 a month for the first year.  last time I did this was when MiL who was living with us started to flush things that shouldn't have been flushed.  Just seemed sensible "just in case".  MiL is no longer around so I haven't renewed.

I've also had appliance cover for our oven but only took that out when I knew there was a problem which was ok with the provider.  It meant I got the oven fixed for the price of a year's premium which was about the same as a call out fee if I was getting someone in to sort it myself.  I kept the policy running for a second year as there was still some other issues which needed sorting as well.  And then I stopped the policy after year 2 and the oven completely died in year 4.  I was fine to buy a brand new one (& a new kitchen to put around it) at that point.

OutdoorQueen

I’ve never had any extra cover / insurance policies for household appliances.  I’ve always felt that the money is better sat in an easy access savings account.  Most of the companies will find an excuse not to pay out, for eg appliance too old, problem not covered,  not been serviced by the right person.