Hole in bath - Page 2

Surely you are covered for insurance as it was obviously accidental damage even though you do not know how it happened.   Holes do not just appear in baths.   The bath is a fixture and is sold with the property, fixtures and fittings are covered under the insurance.   The insurance should pay for a new bath to be supplied and fitted.   Good luck,

I don't think so, Insurance companies will do anything to get out of settling a claim, if they settle the excess will mean you are paying most of the cost, their standard way out will be to say it is "wear and tear".

Thanks for all your suggestions, much appreciated. I'll have a go at a repair as it's quite cheap. Failing that I'll have to get a new bath fitted. Anybody have any idea of the cost of that?

I almost agree totally with Andrea Murphy and can appreciate where she is coming from.

Normally, UK buildings insurance policies have damage clauses relating to bathroom fixtures and fittings as standard. Bathroom fixtures are regarded as part of the building, as opposed to contents insurance. A very simple method of distinguishing between buildings and contents insurance is:

If the item is fixed, it would be regarded as a buildings insurance event. If the items are portable or can be removed from the accommodation, they would be regarded as a contents insurance issue.

Of course, as one should appreciate/expect, not everything should be compared to the UK rules and regulations.

If you have buildings insurance in situ governed by Spanish law, then there may be some anomalies. EG, It may depend on whether or not you have accidental cover included in your plan. Wear and tear would not normally, although not always, be considered as " an insurable event". In any case, it should do you no harm to contact the organisation and ask the following:

Does your policy include bathroom fixtures and fittings as part of the building insurance element? If it does, emphasise that at this stage, your call/query is for information purposes only. This should prevent the admin staff from automatically opening up a claim file.

Confirm how much your policy excess is in the event of a claim? The excess is the amount that you would be expected to pay.

Ask to what extent the insurance company would assist, eg would they only fix the hole in the bath or would they replace the bath as well as any tiling that may have to be replaced.

Ask if your insurance premiums would increase as a result of a full claim. At this point, when you have all the information relating to excess, how much the insurance company would help an whether or not your premiums would increase considerably, you can make an informed decision as to how you would like to proceed.

As an aside, John56 has been credited with 647 helpful posts at time of writing this, clearly a very helpful member. I can appreciate why he would mention the perceived general negative outlook towards insurance companies. 

A little known fact is that by far, most reputable insurance companies honour their contractural responsibilities. They would in general, only decline claims if the insured event was not covered in the policy conditions. EG The broker/company involved in setting up the plan did not ask sufficient questions of their customer to provide the correct policy for the customers requirements.

The customer did not answer the application questions properly, EG not declaring previous claim history, or not telling the truth. These are only examples.

My latter comments are not designed to annoy anyone. This post is meant to be helpful, not only to the original poster, but to anyone who finds himself/herself in a similar situation.

Hopes this helps.

I hope your car was a Ferarri. The name of the insurance company ?

Hi we had two small cracks in our bath, from the person who was renting our property ( never again). We got a repair kit from amazon, my husband did a fabulous job on the repair. I would show you photos but you can’t see it. It was about £28, but well worth the cost. Hope you get it sorted !! 😎

Thanks for your reply Anne (only just picked it up) it sounds good, can you remember what it was called?

Hi see picture. We got off Amazon. Hope you can still get it. Good luck 

Thanks Anne that's very good of you. I've had a quick look and there appears to several Cramer repair kits available on Amazon.

Hi Hunny. It’s this one but I see Amazon don’t send to mainland Spain, so either send to an address in the UK and get them to send it out to you or go onto Amazon Es the Spanish Amazon. Hope you get it sorted. 😎