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What is not covered?
Unfortunately, there are things we do not cover. It is therefore important to check your policy booklet before reporting any claim.
Your policy documents will also tell you what cover you have selected and what excess will apply, depending on the type of claim you wish to make.
Your policy documents will also tell you what cover you have selected and what excess will apply, depending on the type of claim you wish to make.
Common examples of some areas not covered under your policy:
- Damage to gates, hedges and fences caused by storms
- Breakdown and maintenance of items such as boilers
- Damage caused by wear and tear or gradual operating causes e.g. fading or worn patches on furniture or carpets, blockage or cracking of guttering causing damp walls, deterioration of sealant in shower causing gradual seepage of water into wall
- Mechanical and electrical failure of appliances
- Loss which is a side effect, or deliberate/fraudulent/criminal acts by you or your family
- If an item that’s part of a matching set or suite is damaged, we’ll aim to repair it or provide an identical replacement. However, if it’s not possible to provide a suitable repair or replacement, we’ll only pay for the damaged item and we won’t make any contribution for undamaged items that are part of a set or suite.
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