When it comes to buildings insurance, many companies simply adopt a ‘one-size-fits-all’ approach.
The Co-operative Insurance believes in offering customers more flexibility through a choice of optional add-ons.
Generally speaking insurance companies won’t cover for certain things such as ‘Acts of God’ but for a more comprehensive policy you should ask about any additional cover such as those listed below.
Home repairs
Having a home repairs service as part of your buildings insurance can be worthwhile. A standard home insurance policy will typically just cover you for the damage caused by things like burst pipes.
With an additional home repair service you can also get a reputable trades person sent to your home to fix whatever went wrong, whether it’s burst pipes or a faulty boiler.
Having a home repair service within your buildings insurance can not only be more convenient but also save you money on things like emergency call-out charges.
You should be able to save a significant sum of money by having your buildings, contents insurance and home repairs service all supplied by the one company.
Accidental damage cover
DIY has long been a favourite British pastime but it doesn’t always go to plan. You may think you can install a new TV aerial in your attic without any problems, but what happens if you put your foot through the ceiling? Other common DIY accidents include things like bursting a pipe when hammering a nail into the wall.
Optional accidental cover on your buildings insurance can cover you against any mishaps that may take place. If you’re not a skilled trades person, things can easily go wrong when fixing something in your home and this type of policy from The Co-operative Insurance provides peace of mind.
Force majeure
This insurance term comes from the French for “superior force”. There are some things that are so unusual and unexpected they just won’t be covered by your buildings insurance policy.
For example, having your home destroyed by lightning, during the course of a war or swept away by a tidal wave are all things that can’t reasonably be foreseen by anyone.
The Co-operative Insurance advises that not every insurance policy will have the same content regarding these ‘Acts of God’ so if you’re at all concerned, make sure you read any small print carefully or pick up the phone to ask the question.
Author Bio: The Co-operative Insurance provides online and offline quotes for buildings insurance in the UK.
