Water supply pipe insurance for landlord

[rfisher]

Anyone know where I can get insurance cover for the water supply pipe on a house I'm renting out?

You can get cover if you live in the house but not if it's rented and your the Landlord.

Ta.

[neilsie]

Try homeserv by thameswater. about £7 pm don't think you need to be a customer.

Remember you need to cover sewage to the edge of your boundary also.

[Munter]

Homeserve's offerings are here: http://www.homeserve.com/productcomparison?grp_id=...

I think Britishgas will offer similar covers for pipes now as well.

[rfisher]

Thanks.

You need to be living in the property and own it to be covered with both those policies;

DEFINITIONS RELATING TO THE INSURANCE AND
ADMINISTRATION TERMS AND CONDITIONS
Certain words within your terms and conditions or your Policy
Summary have a particular meaning, shown below. Each time we
use one of these words it will have the same meaning:
1. You/your: the permanent occupier of the property as
recorded on your policy documents and your spouse/partner
and family who live with you.

Hence my post.

[Munter]

rfisher said:

Thanks.

You need to be living in the property and own it to be covered with both those policies;

DEFINITIONS RELATING TO THE INSURANCE AND
ADMINISTRATION TERMS AND CONDITIONS
Certain words within your terms and conditions or your Policy
Summary have a particular meaning, shown below. Each time we
use one of these words it will have the same meaning:
1. You/your: the permanent occupier of the property as
recorded on your policy documents and your spouse/partner
and family who live with you.

Hence my post.

Not sure what you're reading there. See here: http://www.homeserve.com/pdf/tac/tac-ILHS93B-HS147...

7. You/your means the landlord of the property, as policy–holder, recorded on
the policy documents.

[rfisher]

Yes - for £37.50 per month Homeserve will cover supply pipes for Landlords.

Considering you can get cover for £12 per year to cover the supply pipe for home owners it's not really acceptable.

So does anyone know a company that will let me cover the supply pipe to a house I own and is now rented?

You really wouldn't think it would make any difference if I'm living there or it's rented but it clearly does.

[neilsie]

Homeserv do exactly that.

call them, tell them you are a landlord - they changed their policy last year to make a distinction between the private and landlord. just checked what i pay : £7.60pm

http://websales.homeserve.com/base/thameswater


there are others, google should help you.

[rfisher]

OK - so I rang Homeserve;

Homeowner £12 per year
Landlord £24 per month for cover including water supply pipe but not central heating
or £37.50 per month if CH is included.

Why?

Apparently because tenants may not like you and may deliberatly damage the pipe.

Go figure.