Home emergency! Insurance exclusions could leave you stuck

I have only buildings and home contents insurance. I have ignored all the offers of plumbing insurance, drain insurance, boiler insurance, extended warranties, etc. It has saved me a great deal of money and meant that I don’t need to worry about terms & conditions.

All of these services are intended to make profits for the companies that offer them. Bear that in mind before filling in a form and taking out another direct debit.

I’ve had cover for a few other things in the past, but I ended up coming to the same conclusion as wavechange and now I only have buildings and contents cover.

In my mind, most of the other things that you could get cover for, rarely go wrong, and when they do, the amount of money that you have probably spent on all the additional cover, by far will outweigh the cost of a repair.

Have home contents insurance too, there are however
generous exclusion clauses operating to own detriment
…. now that my Printer is working again, shall file court
proceedings to test the validity of a certain clause.

[“To claim for damages for breach
of contract, for breach of an express
term providing for funding of legal
expenses on occasion of an insured
event, with respect to issue of third-party
proceedings in accordance with the Terms
and Conditions set out in the Contract of
Insurance (Home Insurance Policy)
imposed, entered into or otherwise agreed
between both the contracting parties”]

Wish me luck.

I tend to stick to a particular company if well recommended as it appears to mean that the payouts are reliable (sort of “the longer you are with us the more we pay you” I don’t have the utilities insurances as they do not offer value to me. I do have £42,000 (cost prices) worth of analogue photographic equipment which was insured at cost price – Now alas it is worth next to nothing – so reduced gradually premium as it got older – now it’s only use is for our camera club to moon over – but makes a nice little “museum”

I read the small-print (carefully) & they still refused my claim!
I need to cancel the policy to be able to afford to get my heating back on.

Our home got burgled and we have home insurance cover with John Lewis insurance, which receives regularly a high score test score. The burglars broke a double-glazed garden door to gain entry into the building, leaving a man-sized hole in the glass. John Lewis insurance refused to help us board up the window and secure our house, even though with had their “Plus” cover policy. They firmly told us it is our responsibility to secure the property and find a professional to do this, because we didn’t purchase their additional home emergency package. They did not even give us the option to pay for it ourselves. They left us high and dry in a moment of urgent need, when we were scared, confused and stressed and needed urgent help to secure our property. I feel that securing a home after a break-in should be standard for all insurances, not only part of an additional emergency package! Evanda, the glazing company tasked by John Lewis to come out and measure the broken glass door contacted us right away and told us they could be with us within the hour to board up the door. But when they realised that we didn’t have the emergency package they cancelled the appointment and only would come the next day. Unbelievable.

Please dont go near CET emergency cover, it is anything but mergency. Over one and a half hours for them to answer my first call which was to report water comi g out of my central heating boiler. The next day an engineer came and told us the boiler must not be used in any circumstances, he submitted his report. Next day heared nothing so called them in the evening my claim had not even been approved at this stage. Informed them I was disabled and i was told it was high priority. Called the next one ing it’s still not been approved therefore the part has yet to ordered. Called later in the afternoon and the same story. I demanded that they speak to the engineer. Came back to phone and informed me they had and i would get a call later that day. Still waiting and it’s coming up to Xmas with no part ordered, they are a disgrace. Expect me to use electric heaters to keep warm and i have no access to any hot water.

It seems to me that there are a lot of overlaps which means taking out more than one policy to ensure full coverage. This means paying more than once for the same things.