insurance claim (1 Viewer)

[Baden87]

Hi
had a split water pipe which has caused damp in floor area, will the repair to the floor be covered by my motorhome insurance ?

 

[eddievanbitz]

Hi
had a split water pipe which has caused damp in floor area, will the repair to the floor be covered by my motorhome insurance ?

If you pay for that cover yes

 

[The Wino]

Have a carefull think about the claim amount the excess and likely effect on future premiums first!!

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[1881TB]

Sounds more like a warranty claim than motor insurance, worth reading the policy before you phone the insurers either way...

 

[The Wino]

Do be aware if you phone the insurers it could be difficult to back out of a claim if you think its not worth it I would ask am I covered if I had a leak from a burst pipe and whats the excess rather than say youv'e had one!!!!!!!

 

[Baden87]

I will have to get policy out and scrutinise it , but I would think its no different to tap in house leaking and causing some damage

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[Minxy]

I should imagine the first question will be why did the pipe split? Was it due to you leaving water in which then froze? If yes then it should be an insurance claim, if not and it is a manufacturing fault then it should be a warranty claim (assuming it's under warranty still).

However, as has been mentioned above, check on the damage caused and the cost to repair as it might not be worth claiming on insurance if it's the former.

 

[pappajohn]

If you make a claim, no matter how small, you increase the future risk to your insurers and you will pay a higher premium for some time to come.

Same thing applies to a protected NCB discount.
You will still get the same % discount but on an increased premium.