Plumbing & Drainage

Section 2 - Plumbing
The insurer will provide cover in respect of an emergency arising from the sudden and unexpected failure of or damage to the internal plumbing system within the property which has or may result in internal water leakage, or escape of water from water tanks, pipes, and domestic appliances or fixed heating systems which causes damage to the property. In the event that your property becomes uninhabitable for more than 48 hours as a result of an emergency covered by this section relating to your plumbing, the insurer will pay up to £250 (including VAT) for the cost of suitable alternative accommodation for your tenants.

Exclusions applying to Section 2
a) General maintenance including, but not limited, to dripping taps
b) Frozen pipes which have not caused any damage
c) Leaks from any household appliances, sink, shower or bath where leakage only occurs when the appliance is in use
d) Cracked or broken toilets or cisterns
e) Pipes outside the boundary of your property
f) Water pipes to, from or within a detached outbuilding or garage

Section 3 - Drainage
The insurer will provide cover in respect of an emergency arising from the sudden and unexpected failure of or damage to the drainage system of your property. In the event that your property becomes uninhabitable for more than 48 hours as a result of an emergency covered by this section relating to your drainage, the insurer will pay up to £250 (including VAT) for the cost of suitable alternative accommodation for your tenants.

Exclusions applying to Section 3
a) General servicing and maintenance issues including but not limited to leaf accumulation, build-up of oil, fats or other debris within the drainage system
b) Any drainage system which is not of standard construction e.g. clay pot, plastic, P.V.C or concrete
c) Cesspits, septic tanks, vacuum drainage systems, electric pumps
d) Plumbing and filtration systems for any swimming pools or spa or whirlpool baths
e) Detached outbuildings which are not connected to the main property
f) Damage to drains caused by structures not conforming to local building regulations or caused as a result of negligence or neglect
g) Failure or damage caused to by faulty or defective design of the drainage pipe including but not limited to failure of pitch fibre pipework
h) Reinstatement costs relating the original surface or construction of a drive, path, decking or any other surface which is excavated as part of a claim.