House insurance renewed - claim on 2nd day

[Countdown]

I renewed my house insurance a few weeks ago. it actually ran out on the 14th but for some unknown reason i renewed it on the 18th.

Completely coincidentally (I genuinely had no idea) but Ive found out today that the sewer pipe under the garage has collapsed. "Luckily" I can stop the kids from using the particular bathroom which feeds into that sewer pipe so the damage shouldn't get worse. However my question / concern is - will the repairs be covered by the House Insurance?

1. the Ins Policy says all underground pipes are covered
2. I've never had a household insurance claim in 25+ years

My concern is that it looks dodgy claiming within 2 days of the new policy inception (even though I had a policy previously). I can't see any "exclusion period" in the Policy paperwork - how likely are the chances of the InsCo telling me to take a long walk off a short pier?

[r3g]

Countdown said:

I renewed my house insurance a few weeks ago. it actually ran out on the 14th but for some unknown reason i renewed it on the 18th.

Completely coincidentally (I genuinely had no idea) but Ive found out today that the sewer pipe under the garage has collapsed. "Luckily" I can stop the kids from using the particular bathroom which feeds into that sewer pipe so the damage shouldn't get worse. However my question / concern is - will the repairs be covered by the House Insurance?

1. the Ins Policy says all underground pipes are covered
2. I've never had a household insurance claim in 25+ years

My concern is that it looks dodgy claiming within 2 days of the new policy inception (even though I had a policy previously). I can't see any "exclusion period" in the Policy paperwork - how likely are the chances of the InsCo telling me to take a long walk off a short pier?

You have answered your own question. I'm not sure what answer you are expecting from randoms on the internet who are not privy to the T&Cs of your house insurance policy. What did your house insurance company say when you rang them?

[Countdown]

I was wondering if exclusion periods were a common thing on house insurance. I think my boiler cover had a 15 day “no claims allowed” period.

Probably just being paranoid

[Glassman]

You're covered from the moment of policy inception.

[dalenorth]

We specialise in home insurance among other insurances and it’s correct that you are covered from inception and there is no reason for them to refuse your claim.

[Countdown]

Thanks both.

[alscar]

As regards exclusions you are probably thinking of those Homeserve ( others are available ) type policies for additional coverages which do usually contain exclusion policies of a few weeks although not if they are a renewal.
A standard insurance policy is live with full coverage the day it is effective from.
You say it renewed on the 14th but you didn’t renew it until the 18th but assume you have received the renewal document's showing renewal from the 14th which also shouldn’t be a concern as most Insurers usually provide say a 7 days grace etc.

[Countdown]

Hi Alscar

My insurance with Admiral finished on 14th May. The renewal with Privilege didn’t start until 19th May. I had actually done the renewal at the beginning of May but I couldn’t remember what the end date of the Admiral policy was.

Hope that makes!

[alscar]

Countdown said:

Hi Alscar

My insurance with Admiral finished on 14th May. The renewal with Privilege didn’t start until 19th May. I had actually done the renewal at the beginning of May but I couldn’t remember what the end date of the Admiral policy was.

Hope that makes!

Ah ok - I still think you’ll be absolutely fine with a pipe claim though.
Thankfully your house didn’t have a fire on say the 15th though especially as you had moved Insurers.

[Countdown]

Agreed