Wear and tear can be described as damage or deterioration caused by general everyday use. Almost everything in your home will suffer from general wear and tear over time and damage due to this is not covered by your policy.

You can extend the lifetime of your property and your possessions inside it by taking care of them and maintaining them. So, for example, from time to time it would be worth having your roof checked for missing or cracked tiles and making sure any exposed pipework is insulated to protect against freezing.

If your property is regularly maintained, e.g. removing moss from roof to prevent tiles from lifting and sliding off the roof, and something unexpected happens, that’s when your insurance should be there to help.

However, if for example, your roof leaks because you haven’t looked after it, that’s when we may not be able to pay a claim.

Log in to your online account