Escape of water is a common issue, and you’ll usually need to contact your insurer to fix it.
Below, we explain what escape of water means, how to spot it, what we can cover and how to claim for it.
Escape of water is usually a part of your buildings and contents insurance.
Insurance companies like us describe escape of water cover as water leaking from the mains supply. It doesn’t protect against all types of water damage; it only covers water escaping from a:
The most common cause of escape of water is burst pipes, which usually occur in freezing weather. For example, in December 2022, burst pipes accounted for 84% of escape of water claims.
However, escape of water can also be caused by:
In these scenarios, EOW claims are not typically covered. However, other parts of your home insurance may cover it.
You should only take the below steps if it’s safe to do so. For example, if turning off the mains electricity involves standing in water, please contact an electrician.
We recommend taking photos, too, if you’re claiming.
Home Emergency cover customers simply need to call the helpline on 0345 609 4375 – we’ll get you in contact with someone who can sort the rest.
Your property might only require cleaning and drying out for smaller escape of water damage.
You can take proactive measures to lower the chance of getting a leak:
If you’re leaving your home unoccupied for more than five days between November and March, here are some tips to protect your home:
All three of our Home Insurance tiers cover escape of water, but only for water escaping from a:
However, different parts of your policy cover you for different types of damage and maintenance, so read it carefully.
For example, products like trace and access cover will cover you for sourcing the leak, while Home Emergency cover will get a tradesperson to fix it once the source is known.
Read your policy for more information.
We won’t cover for:
Call the helpline on 0345 609 4375 if you have Home Emergency cover immediately.
If you don’t, open a claim with your insurer – most will prefer you to contact them first.
You open a claim with us in three ways:
We recommend using MyAccount to report the incident as quickly as possible.