Householders Insurance - Bursting or overflowing of water tanks, pipes, etc.

As so many claims are made under this clause, insurers usually insist that you pay the first £60 of any damage. This discourages small claims, and keeps the overall premiums lower than they otherwise would be. Although you cannot normally claim for frost damage (see 6 above), policies cover burst pipes inside and outside your home. You can also claim if overflowing tanks or pipes ruin wallpaper or other decorations.' However, note that insurers reserve the right to refuse all claims under this Section of the policy if a house or flat is empty or unfurnished for more than a month.

5. Oil escaping from fixed oil-fired heating installations. Proposal forms do not usually ask specific questions on your method of heating, but if you sign a general declaration that your buildings are not specially exposed to any perils to be insured, you are implying that you are taking suitable precautions to avoid risks such as this one.

6. Impact. This cover protects your premises from damage by cars, lorries or buses running off the road, and, if you live in a market town or agricultural area, you are also covered for damage caused by horses or cattle. However, you cannot usually claim if you or one of your family or one of your vehicles is responsible for an accident.

7. Riots or vandals. Some insurers exclude damage caused by demonstrations of a non-political nature (e.g. by students), some exclude Northern Ireland and the Republic of Ireland from this Section , and most do not cover the first £69 of damage. Cover usually ceases where a home is unfurnished or empty for more than a month.

8. Accidental breakage of fixed glass in windows, doors and sanitary ware. This covers windows in your house, but if you claim under this clause, you may have to pay towards the cost of replacing glass in your greenhouse, conservatory or veranda, as well as labour charges involved in removing window frames and similar fittings for repair. Again, insurance usually ceases where a home is left unfurnished or unoccupied for more than a month.

9. Accidental damage to underground water pipes and electricity cables between the house and mains.

10 Collapse of television and radio aerials. This clause covers damage to the buildings but not necessarily to the aerials themselves, which is usually covered in the contents policy.


Bursting or overflowing of water tanks, pipes, etc

Payroll Giving
It’s all very easy to organise.
Just ask the Personnel or the Payroll Department at your company and, if they already have a scheme, they will give you the relevant forms.  HM Revenue & Customs’ website has a list of Payroll Giving agencies and explains payroll giving in more detail.

Salon Gold Insurance

Cheaper Insurance for Salons, Freelance Hair and Beauty, and Mobile Businesses - click here

read on: Householders Insurance - Loss of rent.

As so many claims are made under this clause, insurers usually insist that you pay the first £60 of any damage. This discourages small claims, and keeps the overall premiums lower than they otherwise would be. Although you cannot normally claim for frost damage (see 6 above), policies cover burst pipes inside and outside your home. You can also claim if overflowing tanks or pipes ruin wallpaper or other decorations.' However, note that insurers reserve the right to refuse all claims under this Section of the policy if a house or flat is empty or unfurnished for more than a month.

5.... see: Householders Insurance - Loss of rent.