Insurance & Swimming Pools
Discussion
Insurance companies are not all the same, so you MUST ask YOUR insurer how you stand.
Generally though; you would not have to 'declare' a swimming pool. Your PL would be covered provided that it was being used for your private pursuits, i.e. NOT taking money for the use of it, or for instruction etc.
Generally though; you would not have to 'declare' a swimming pool. Your PL would be covered provided that it was being used for your private pursuits, i.e. NOT taking money for the use of it, or for instruction etc.
Hmm not sure about this. I had a pool installed in my house in France 4 years ago and bought a pool cover that cost €12,500. We had a big stormn and the cover got wrecked in the wind. When I tried to claim on my insurance they refused the claim saying I hadn't told them I had a pool and cover. I asked what difference the premium would have been and they said it would have been the same price, no extra, but because they didn't specifically know about it, it's not covered.
Of course this was France and my inusrance company was a major French one, Axa. Ever heard of them? Yes that's the people.
So my advice is ALWAYS tell your insurers everything that way they can't deny a claim in the future.
Of course this was France and my inusrance company was a major French one, Axa. Ever heard of them? Yes that's the people.
So my advice is ALWAYS tell your insurers everything that way they can't deny a claim in the future.
davidjpowell said:
What I'm not sure about is whether I need to tell them about this separately. Any insurance bods on here?
Insurance is based on "full disclosure" - you're supposed to tell them anything that you think might be relevant.You could argue about whether some little detail was relevant or not, but it would be tough to justify a position that you didn't think a pool was relevant.
Deva Link said:
Insurance is based on "full disclosure" - you're supposed to tell them anything that you think might be relevant.
You could argue about whether some little detail was relevant or not, but it would be tough to justify a position that you didn't think a pool was relevant.
Exactly - you have to declare any 'material fact'You could argue about whether some little detail was relevant or not, but it would be tough to justify a position that you didn't think a pool was relevant.
Even if the call centre bod says you don't need to notify them, I would personally send an email with read reciept and then save it onto your PC somewhere. That way when they try to refuse a claim in the future, you have proof you did notify them
flyingjase said:
Exactly - you have to declare any 'material fact'
Even if the call centre bod says you don't need to notify them, I would personally send an email with read reciept and then save it onto your PC somewhere. That way when they try to refuse a claim in the future, you have proof you did notify them
This. I'm amazed they wouldn't want to know. Thye want to know everything, and more to the point you want them to know everything.Even if the call centre bod says you don't need to notify them, I would personally send an email with read reciept and then save it onto your PC somewhere. That way when they try to refuse a claim in the future, you have proof you did notify them
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