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TESCO Insurance & their home emergency cover. Help!

1 reply

cubbychops · 25/11/2009 13:31

Please bear with me this is fairly long. (I posted on Saturday about replacing my boiler)

My boiler is crap, fairly new but crap. It broke down the week we moved into the house and has broken about a dozen times in the 2 years since. One time we were without heating and water for 5 weeks.

I had home emergency cover for this very reason. I was paying an extra £5.00 per month to cover this with my previous insurers. I just changed Insurance providers recently to Tesco Finest/Direct line. Their home emergency cover is provided by the same company ?Homeserve? so I expected the same kind of service from them.

We have had a leak whish was seen to in September. The water was spurting out of the top like a pressure cooker. When the plumber came to fix it he told him to adjust a key if the pressure fell too low as this seemed to be the reason why it was leaking.
He phoned up to say that the engineers report was that we hadn?t had the boiler serviced in ages (which we had on the 27th October 2008) and that we needed a power flush.

I booked my plumber in to have a look at the system and asked him to check if we needed a power flush. He also serviced the boiler. I told him about the boiler leaking intermittently and he said he would check it to see if there were any leaks. The bowl which we put under the boiler from the last leak was bone dry and the pipes were dry too. He noted the scale on 2 areas but said there wasn?t a problem presenting itself at that time so couldn?t identify that anything was wrong with the system.

On Saturday the boiler started to leak.
The engineer came on Saturday and he said that he thought that they wouldn?t cover the cost of the repair because there was scale indicating that this leak had been present for a good while and we may have been negligent. He took photos but didn't actually do anything about resolving the problem. So my boiler is still leaking and we don't have any hot water

Our living room ceiling looks disgusting with a great big huge watermark running across it.

I took out this cover specifically to provide us with someone to fix a problem with our heating. I have 2 small children and I have one small electric radiator and we keep putting on our tumble dryer (with wet washing in) to keep us warm.

I have had to ring them every day for the past 3 days to chase it up. There was only 1 person who has actually rung me back. (She seemed very efficient and nice) She said that they would need a copy of the worksheet which my plumber completed and noted the evidence of scale and my concern of leaks.

IMO I have tried to rectify the situation. The insurer is saying that they are different cover providers yet they have mentioned the power flush which the previous engineer talked about (there is no way that the last plumber could ascertain that it needed a power flush from their most recent visit)

I have contacted the Ombudsman regarding his complaint.

And I have e-mailed them with the following

"Please find attached a scanned copy of my boiler service worksheet. You may want to speak to the person who serviced the boiler. His name is and his number is .

I am extremely concerned that my boiler is still leaking water and your engineer has not rectified this even though he visited on 21st November. My boiler is switched off and of course I have no hot water or heating for the house. I have 2 small children and I am concerned this situation will be prolonged by "red tape".

I am putting the welfare of my children first and would like this situation to be brought to it's conclusion as swiftly as possible which is why I am going to seek advice and help from consumer forums, Watchdog, MoneySavingExpert etc. I will also be forwarding a complaint to the Ombudsman.

Please contact me as soon as possible regarding this matter. My home telephone number is --"

Has anyone got any advice on what to do next?

OP posts:
cubbychops · 25/11/2009 19:36

I think I posted this in the wrong place.

They phoned back this evening in response to my e-mail.

My husband commented on how patient and calm I was. I just thought you'd like to know that it's not my attitude which is preventing them providing me with help. I don't really want to get angry with the person dealing with my telephone call because;

a. They didn't write the policy

and

b. they didn't actually fit the boiler and make it break.

THe man who I spoke to said that because there was scale there that it wasn't covered in the policy. I cannot see where in the policy it says anything about scale.

My policy states that I am responsible for keeping the boiler up to date with it's service - which I have.

That if there was anything wrong with it I should notify the insurer - which I have.

That I should have contacted my insurer once I noticed the leak - which i have.

I said tha tI was not derelict in my duty. I had spoken to my plumber to see if we could prevent this from happening again.

I think I resloved this aspect of the complaint which is when he said that because my husband had removed the front of the boiler it had diverted the leak on to the electrical equipment and he was the one who has caused this. Again they said that they would not be providing assistance to me.

DH and I have looked at the boiler and we can see that removing the front of the boiler did not change the route of the leak and has no bearing on the outcome of it.

I have said that I am not happy with this and would like to speak to a manager regarding this.

I have asked him to speak to the person who serviced the boiler to provide him with an accurate opinion of what is actually wrong with the boiler.

The Ombudsman has sent a letter to both of u. It's being sent in the post tonight.

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