What is plumbing insurance?
Plumbing and drainage cover is a handy extra you can add to your home insurance
Some insurance providers may also offer this as a standalone product.
A standard home insurance policy usually covers any damage to your home caused by plumbing and drainage issues, but you’ll have to sort any repairs yourself. You may also find that you won’t be covered for certain problems.
Pipes and drains can be unpredictable. Adding plumbing insurance to your policy can give you an extra layer of protection against those pesky plumbing problems. Not only will your home be covered against a wider range of problems, but you’ll often get quick help in an emergency.
What’s covered?
What’s covered by plumbing insurance can differ depending on the provider, but it usually includes:
- blocked drains
- leaking pipes
- toilet blockages.
What’s not covered?
You may not be covered for:
- general maintenance work
- wear and tear
- damage to showers.
Do I need plumbing insurance?
Whether you need plumbing insurance depends on your situation.
Taking out extra cover might be a good idea if you often find yourself in the middle of a plumbing disaster, or if you live in a home with older plumbing as things are more likely to go wrong.
You may also want to think about how much it might cost to fix any problems. Plumbing can be pricey, so taking out plumbing and drainage cover could save you money on repairs. Keep in mind that you will have to pay a monthly fee for cover.
How our home insurance can help
Drains getting you down? Life is full of surprises – don't let faulty plumbing be one of them
Adding home emergency cover to your policy can give you extra protection in case of an emergency. Whether it’s a burst pipe or blocked drain, home emergency cover means you’ll get 24/7 emergency callouts. Not only will you get protection against a wider range of plumbing issues, but you won’t have to pay any excess and there's no limit to the number of claims that can be made.
What does home emergency cover include?
- Blocked or leaking toilets.
- Leaking pipes or joints.
- Leaking internal stop-tap.
- Blocked waste pipes.
What doesn’t home emergency cover include?
- Frozen pipes that haven’t caused a permanent blockage.
- Leaking overflow pipes.
- Showers including the shower unit, controls, outlet or shower head.
- Smells and noises from pipework and drains.
Our policy documents tell you more about what is and isn't covered. Keep in mind that with all our cover, there are limits, terms and exclusions. Santander does not provide standalone plumbing insurance. Read the policy documents (PDF - 254 KB)