Swimming Pool Insurance

[londoneye]

Hi

I currently have my swimming pool insured for what seems like quite a large amount of money, and thus am investigating changing the policy.

I have contacted a couple of people and, like my own current insurance, there seems to be a clause that the insurance will only pay out for 20% of the value of the pool for the replacement cost of any item to do with the pool.   For example if your declared value of the pool is 10,000 euros then they will only pay up to 20% worth of equipment etc at any one time.

Does anyone have, or know of, an insurance policy which is not like this.    My insurance costs a fortune at moment for the pool (well, put it this way, the pool insurance costs more than the house insurance) and what with the prospect of having to pay out potentially large sums for health insurance in near future, I am trying to check all ongoing costs.

Thanks in advance for any information.

[Panda]

Hello

I don't quite understand exactly what you are insuring yourself against with this cover. 

The expensive element with a pool is the digging of the hole and the works that come with that, terracing etc.  The liner is generally under guarantee for normal wear and tear as is the pump so what will your insurance pay out for?  As you also only get 20% of the cost I fail to see the point of having it.

Panda

[allanb]

I'm in the process of renewing house insurance and I've been offered a policy option that would cover the pool (or associated equipment like filters and pumps) against damage by e.g. a falling tree or falling roof tiles, or - I suppose - a falling aeroplane.  Maybe this is the kind of cover that the question referred to.

[londoneye]

It is meant to cover accidental damage to liner, electrical and flood damage to equipment, eg pump etc and public liability.

But, having not asked the correct questions I didnt find out until after I insured that it would only actually cover for 20% of the stated value of the pool for any one incident, and I wondered if this was the 'norm'.   I am beginning to think that I made a mistake.   Thankfully insurance is due for renewal end December so I can change.

[kathyg]

Have you tried Intasure? Pool insurance is included in the house insurance.

Kathy

[londoneye]

No - I will contact them, thank you.