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pipe leak image via Shutterstock.com

Will your home insurance cover water charges after a burst pipe?

Companies are now reviewing their cover to take leaks into account, with one deciding on a limit of €1,000 for lost water.

A NUMBER OF insurance companies have confirmed they are changing their home insurance cover to include the loss of metered water in the case of a leak, with one deciding on a limit of €1,000.

Anything beyond that will have to be paid by the homeowner.

Irish Water has previously said that it would not charge to fix leaks in a homeowner’s garden the first time, but after that, they are on their own. The next time it happens, they will have to pay for it to be fixed, as well as facing a potentially significant water bill.

Insurance company Allianz said that it would, of course, pay claims for water damage arising from leaks but cover for lost water will be capped at €1,000.

A spokesperson for Liberty Insurance told TheJournal.ie that the company is reviewing its cover as the firm covers accidental loss of metred water as a standard feature of its household cover in Northern Ireland. They said the plan is to provide a similar feature once there is greater clarity on the scale of water charges.

Aviva said it will also be waiting for clarity on charges before deciding how it might insure customers against it.

“As it stands, we do not know for definite if the charge is to be fixed or based on metered use nor do we know the level of the charge,” a spokesperson said. “It’s not possible to calculate the exposure of customers to the risk of a leak in the new charging arrangement without this information.”

Read: Irish Water doesn’t want you inviting fairies to remove your meter>

Read: Protesters from Detroit and Greece are jetting in for the next big water protest>

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47 Comments
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    Mute GoodBrother
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    Jul 28th 2023, 1:26 PM

    Just got the highest electricity bill since the start of the inflation, though usage lower than year before.

    133
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    Mute Trent
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    Jul 28th 2023, 1:35 PM

    @GoodBrother: Haven’t used any Gas since February yet the standing charge may aswell say i was …disgraceful

    97
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    Mute David Corrigan
    Favourite David Corrigan
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    Jul 28th 2023, 1:53 PM

    @Trent: Roughly a euro per day. No usage and still the bill is €60+. Before C-19 my gas bill used to be about €45 – 50 all in.

    58
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    Mute Nick Cahill
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    Jul 28th 2023, 5:48 PM

    @GoodBrother: Really. Inflation has been creeping up for well over a year now, nearly 2. Unless you used zero electricity until this bill, or were locked into a really low tariff for almost 2 years, then I do not believe this is your highest bill since inflation started to rise.

    3
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    Mute Daniel Roche
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    Jul 28th 2023, 7:38 PM

    @GoodBrother: I got probably one of my lowest one,since the smart meter went in my bills are going down,I can see what is driving my bill.

    1
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    Mute Jimmy Donovan
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    Jul 28th 2023, 1:43 PM

    We are now the most expensive country in Europe to live in. I never imagined we’d be more pricey than Switzerland or Norway. Thank you, FFG. Also on track to become the most obese.14 million each day for our national debt of $250 billion. Third-world heat care systems. the capital’s inner city is rife with violence and drugs. As a country, we are regressing.

    143
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    Mute thanks for the beautiful music christy rest in pea
    Favourite thanks for the beautiful music christy rest in pea
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    Jul 28th 2023, 2:05 PM

    Worked hard all my life as a chef to save enough for my own buisness watching it all dwindled away look after there own big hotels cashing in a fortune on migrants while the small tourists buisness get a slap on the face .

    108
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    Mute Paul Maguire
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    Jul 28th 2023, 1:52 PM

    There is no end to being RIP of Ireland

    67
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    Mute James Moylan
    Favourite James Moylan
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    Jul 28th 2023, 5:51 PM

    @Paul Maguire: unless you are a dole merchant, then you get everything paid for ,

    15
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    Mute Martin O,Reilly
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    Jul 29th 2023, 9:31 AM

    @James Moylan: Said the Kerry man to the bull.

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    Mute will o bdee
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    Jul 28th 2023, 2:40 PM

    Stop voting FF/FG ye thick muppets, let SF in, we need a change..but in all fairness this open door my documents, come in my friends has to stop. I was walking around Ennis, Co Clare the other, For a bit I thought I was in the suburbs of Mogadishu, only the rip off cost of a pint and newspaper brought me back to drizzleville.

    64
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    Mute Nick Cahill
    Favourite Nick Cahill
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    Jul 28th 2023, 5:52 PM

    @will o bdee: The shiners will be the same, they will be forced to stay in line, easy to promise the Earth in opposition, but it will either be business as usual or populist policies will lead to medium to long term problems. either way, I cannot see it SF doing any better than the current shower of tool bags.

    14
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    Mute Monty Carlow
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    Jul 28th 2023, 2:10 PM

    Mortgage through the roof. Extra 600 a month meant pulling kids outa 3rd level education…

    44
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    Mute paulinlavally@gmail.com
    Favourite paulinlavally@gmail.com
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    Jul 28th 2023, 2:21 PM

    @Monty Carlow: Go on the dole and get mortgage paid by state, medical card, plus many more perks including grants for third level etc. etc.

    49
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    Mute Ger Rowland.
    Favourite Ger Rowland.
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    Jul 28th 2023, 2:57 PM

    @paulinlavally@gmail.com: It was the Bankers and Developers that collapsed the Irish economy.
    Greed rife at the moment. Could list crisis after crisis but I can’t be bothered
    But yeah it was the guy on the dole.
    Look up lad.

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    Mute James Moylan
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    Jul 28th 2023, 5:52 PM

    @Monty Carlow: get them to learn Ukrainian or Arabic ,free everything from then on

    7
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    Mute Virgil
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    Jul 28th 2023, 7:22 PM

    @Monty Carlow: do a deal with the bank and keep your kids in 3rd level. Education is the key to a decent job

    3
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    Mute Daniel Roche
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    Jul 28th 2023, 7:42 PM

    @Monty Carlow: Must be a big mortgage,mine is going up €38 a month in September,hope you’re kids are working to help with college.

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    Mute Paddy C
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    Jul 28th 2023, 10:46 PM

    @Monty Carlow: go to the docks near customs during the night,row out some,rip up you’re passport row in early morning,say you’ve amnesia or lost you’re passport rowing,they’re lost on flights available when they’re boarding, lost when landing it’s amazing in a completely sealed aircraft how it can happen shouldn’t be hard to understand in a boat I’d imagine…

    2
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    Mute Paddy C
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    Jul 28th 2023, 10:41 PM

    In who’s opinion? absolute rubbish,it’s through the roof and slowly but surely rising in different segments be it food, electricity and fuel which will again increase in october,perfect timing when kids go back to school and cold weather kicks in and people need heating oil which they’ve been putting off keeping they’re heads above water at present and we might get help with more money from government, what money? it’s all going up again they’ve said it already the payment won’t outway the cost to the average person we lose again.

    9
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    Mute Dan Dare
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    Jul 28th 2023, 9:33 PM

    Tighten your belts. Store tins of beans. This is the peak.

    4
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    Mute Martin O,Reilly
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    Jul 29th 2023, 9:27 AM

    That’s complete media tripe. Are you trying to feed people carrots on sticks

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    Mute Eamon De Valera
    Favourite Eamon De Valera
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    Jul 28th 2023, 7:27 PM

    Buy less

    3
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