When you begin looking at costs for tradesmen, it is understandable that you might choose to do it yourself. However the cost of employing a professional may trigger you to re-assess your current home insurance, just in case anything goes wrong.
In order to receive a pay-out from your insurance provider for potential DIY disasters, you will need ‘accidental damages’ cover. This could add an extra 25% to your premium, but could save you money in the long run if you were to cause serious damage.
It’s easier than you think to make a mistake, from drilling through a hollow wall straight into another room to stepping through your ceiling. Suddenly a relatively easy shelf installation can be a major electrical issue because you’ve drilled directly into the wiring – but what should you do?
Don’t panic. This is fixable for sure. At this point is when you wished you had the relevant insurance cover or even paid that bit extra to get the experts in – because it’s going to cost you a little.
We don’t want you to have to fork out an arm and a leg, so we have put together a list of tips to ensure that you you are DIY-covered:
- Make sure you spread this cover for all families members.
- Check the level of your accidental damage cover. Some companies will offer very little.
- Check the small print of your cover. Some insurers may not see a pre-planned DIY attempt as an accident. Be clear on the T&C’s.
We would also suggest you have caution when opening contracts with lots of terms and conditions. All insurance policy contracts should be well-written, clear and concise. If you don’t currently have any cover, check and compare various providers and make sure you enquire about accidental damages cover; you won’t regret it.