What is Plumbing & Drainage Cover?

It's there to give you peace of mind and financial assistance when things like burst pipes or blocked drains happen. 

Plumbing & drainage insurance typically covers you for anything that, if not dealt with quickly would: 

• Render your home unsafe or insecure
• Damage or cause further damage to your home
• Cause personal risk to you
• Cause a health and safety risk to others

If you upgrade to Complete Home Emergency Cover, your plan will allow you to add cover for things such as boiler and central heating break downs, electrical faults, security, pest infestations and roof damage.

With Home Emergency Assist, you can also add cover for non-emergencies too (the Premium plan), which insures you against any sudden or unforeseen events that result in your system no longer working or operating correctly. Non-emergencies would include repairing dripping taps and replacing leaking pipes.

What's covered by Plumbing & Drainage Insurance?

Plumbing & Drainage Cover

When your plumbing & drainage fail, where internal flooding or water damage is likely. Includes blocked toilets and external drains.

Water Supply Pipe Cover

A leak, collapse or blockage of the water supply pipe, provided that you're responsible for it (not shared with others).

Do you need Plumbing & Drainage Cover?

Although it's not a legal requirement, it's worth considering the potential cost of dealing with home emergencies and having to source your own engineer in the event of a break down.

If you're a tenant rather than a homeowner, it's your landlord's responsibility to look out for you if there is a home emergency.

What isn't covered by Plumbing & Drainage Insurance?

These policies won't cover general wear and tear so it's important to keep your plumbing and drainage systems well maintained.

Plumbing & Drainage Cover also generally won't cover:

• Routine maintenance
• Unoccupied properties
• Work required after the immediate repair (this may be covered by your buildings or contents insurance depending on what's been damaged)

Are there any limits to Plumbing & Drainage Cover?

Number of claims/call outs: there may be a limit to the number of call outs and claims you can make during the course of your policy. Some policies will also have a cooling-off period, during which time you won't be able to claim.

Cover limit: most insurers put a price cap on each claim, so you'll need to make sure that you have enough to cover call-out fees, parts and labour costs.

What details do you need to give to get a quote?

Home Emergency Assist is an Appointed Representative of Insure Group Limited which is authorised and regulated by the Financial Conduct Authority: FRN: 584710. Home Emergency Assist is a company registered in England, registration number: 08279496 VAT registration number: 315 9487 76. 

Registered Address: Ground Floor, 4c New Fields Business Park, Stinsford Road, Poole, Dorset, BH17 0NF

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