Got Lloyds insurance with Home emergency for peace of mind. I'm pretty low risk as I haven't made a claim for about ten years. Yesterday had water coming through the ceiling. Didn't know where the leak was. Rang home emergency. They said I had to ring buildings insurance who would send someone out to find where the leak was coming from - and then home emergency would pay for the fix. .Rang Buildings insurance and they said this was. wrong - they don't do that. You have to get someone out yourself to find out where the leak is. Then when your own tradesperson has found it and made it possible to get access they will send someone out to fix it. So basically you are on your own and you don't have the peace of mind you think you have paid for. The idea of having to find your own plumber in an emergency and persuading them to come out straight away - over an Easter weekend - to find out where the leak is, and then tell them not to fix it because you then have to get back to your insurance company it is ridiculous... Meanwhile your water stays turned off. Spoke to a relative who had a similar experience of unknown water leak and their home emergency insurance sorted it no bother - they sent someone out to find the leak and fix it, which is what any normal person would expect to happen. This was a very stressful experience in an emergency and not what I paid for. Won't be renewing. In fact thinking about cancelling my bank account with them that I've had for forty years.
Reviewed on: 15th April 2022
