During the Easter break, thousands of DIY enthusiasts will have had a go at home improvements they put off over the winter months.
But what many don’t realise is that their home insurance may not cover them for the damage their DIY tinkering can do, whether that’s to their property or themselves.
Accidents aren’t always covered
Whether it’s as simple as putting more insulation in the loft, or more complicated, such as knocking down an internal wall, many believe their home insurance will pay for things to be put right if something goes seriously awry.
Unfortunately, for all those enthusiasts who accidentally cause hundreds or even thousands of pounds worth of damage with their DIY ‘skills’, this isn’t always the case.
Even simple tasks can cause big problems
Take the example of laying down loft insulation. It’s certainly a straightforward job; you buy rolls of the stuff, go up into the loft and lay it between the beams. However, one of the most common DIY accidents is putting a foot through the ceiling while moving around a loft space.
Worse still, some even fall right through the ceiling as plasterboard is thin and won’t take the weight of a fully-grown human, potentially causing a great deal of damage to the ceiling, the room below and themselves.
Insurers may reject a claim
Such an incident is clearly going to be viewed as an accident by an insurer. But the important thing here is that not all home insurance policies come with what is known as ‘accidental damage’ insurance. Some do, but many don’t. Without it, any claim you make to put everything back to how it was is going to be rejected.
Why take the risk?
It might be that you only need to pay a plasterer a day’s wage and the cost of materials, so the loss might not be that bad. But imagine you’ve ruined a new bathroom suite? It could cost thousands to put right.
Worse still, you may have seriously injured yourself and want the sort of long-term rehabilitation care that the National Health Service doesn’t provide. Physiotherapy and visits from chiropractors don’t come cheap, so, again, you’d either have to shell out thousands, or go without.
Small additional cost
As has already been said, some home cover policies have accidental damage as standard. But, if not, to avoid the sort of financial disaster just outlined, a quick call to your insurer, or insurance broker, should sort it out in minutes.
The average cost of adding accidental damage to a policy is only around £25 a year and as the damage you could cause with your DIY efforts is potentially huge, it should be a bit of a no-brainer.
So for all those thinking of doing a bit of DIY over Easter, remember what we in the insurance industry ‘hilariously’ like to say; DIY should really stand for ‘Definitely Insure Yourself’!
If your home is your haven, you’ll want it to have the best protection. Compare quotes from our range of handpicked insurers and tailor a policy to suit you. For more information, you can call our experts on 0330 0600 600 or visit www.policyexpert.co.uk/contact for more ways to reach us.
Published 13 April 2017