Customer Review Comments:
Despite some initially appealing offers to start a new policy cover for £1/month, I eventually ended up with a 'comprehensive' package. I am unusual in that in over 40 years as a householder I have never ever claimed on insurance!
A sewer started to overflow into my back garden near the house. I contacted Homeserve and was advised that although covered, my policy was subject to a £50 excess. I assumed that although this may be similar to the actual charge incurred to fix the problem, I still felt that upgrading my policy to no excess would be economical. This took a couple of (long) phone calls during which as a 'naive claimant' I got confirmation that an attending engineer would fix it, not just look at it.
Guess what - an engineer (?) did arrive and just looked at it - concluding that the blockage was upstream and someone else's problem/liability. This is not the case as we are at the end of the sewer prior to it joining the main in the street.
So, I rang Homeserve to cancel the whole policy. I was invited to allow them to check on this (to avoid my cancelling) while I hung on. I hung on (with that damn music) for over 25 mins (35 mins total by now). I gave up and rang back afresh when I then discovered from another operator that my policies had been cancelled a few minutes into my previous call anyway!!
So, good news that I have nothing more to do with or owe anything (I hope) to Homeserve. Bad news is that I'm now more than ever disinclined to take out any insurance that I'm not forced legally to have.
They give insurance an even worse name.