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Direct Line home insurance
#1302535
03/01/2012 23:03
03/01/2012 23:03
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Does anyone know if built-in kitchen appliances are covered by Direct Line's home insurance Plus cover? They have conflicting information on their website and I don't want to ring them to ask as they can put your premium up even if they don't pay out (on Watchdog a few months ago). From their FAQ's: Do you provide kitchen appliances cover?
No - Direct Line does not provide cover for kitchen appliances. From their "Home insurance cover for appliances" page: Direct Line Contents Insurance is designed to cover all your household items including white goods and electrical equipment such as your fridge, freezer or TV. The cover provided is for damage or loss through fire, smoke, lightning, theft, flood and escape of water or oil from any fixed water or heating installation or domestic appliance. If any of your appliances are damaged or stolen, we will replace them on a new for old basis – we’ll even arrange delivery of replacement goods direct to your home if we can. Their policy booklet is just as ambiguous/contradictory. I'll get the wife to ring from work tomorrow to pose as a new customer and ask, but in the meantime if anyone knows the answer...
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Re: Direct Line home insurance
[Re: ]
#1302636
04/01/2012 14:34
04/01/2012 14:34
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I read it differently, but the way you translate it makes much more sense.
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Re: Direct Line home insurance
[Re: ]
#1302637
04/01/2012 14:39
04/01/2012 14:39
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Joined: Dec 2005
Posts: 12,546 Northumberland
AndrewR
I AM a Coop
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I AM a Coop
Joined: Dec 2005
Posts: 12,546
Northumberland
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I read it as (poorly) trying to say that small kitchen appliances (e.g. blenders, coffee machines, toasters, etc.) aren't covered.
Dear monos, a secret truth.
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Re: Direct Line home insurance
[Re: AndrewR]
#1302652
04/01/2012 15:32
04/01/2012 15:32
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I've just phoned the claim in so it is covered. Fingers crossed it's not economically repairable. I read it as (poorly) trying to say that small kitchen appliances (e.g. blenders, coffee machines, toasters, etc.) aren't covered. I know small appliances are covered, but you'd be crazy to claim for a toaster unless it was gold-plated. I was more concerned because the appliance I'm claiming for is built-in and part of the fabric of the house and therefore, I thought, would come under our buildings cover and have special rules. Our policy doesn't seem to differentiate between built-in and free-standing appliances as they all grouped under contents cover.
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