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Vero Voice

Keep your pool covered - by insurance

Richard Godman

By Richard Godman
Manager Technical Underwriting, Personal Insurance

4 April, 2017

If you’re lucky enough to have a swimming pool, you’ll probably have spent a lot of time in it and made the most of a hot and humid summer. Enjoying your pool – and maintaining it – are probably a big part of your life.

But have you made sure it’s covered by insurance if something goes wrong? 

 

Tips for protecting your pool 

1

Make sure the cost of rebuilding or replacing your pool is included in your Sum Insured calculation. With Vero policies, permanent pools (usually in-ground pools) are covered by your Home policy, but portable pools and spa pools are covered by your Contents policy.

2 If you’re insured with Vero, you don’t need to specify your pool on your policy
3 Make sure you keep up with regular pool maintenance – keep it clean, check the filter regularly and schedule in an annual maintenance check

What's not covered?

Gradual damage

If your pool springs a leak or suffers wear and damage over time, it won’t be covered under your policy. It’s important that you check your pool regularly and keep up with maintenance so that any damage doesn’t go from bad to worse.

Hydrostatic pressure

This is a type of damage that’s excluded from most insurance policies – it’s when pressure from external groundwater causes the walls of your pool to buckle inwards, and it’s most likely to happen if you drain your pool. If you need to drain your pool for any reason, make sure you’ve consulted an expert.

Damage in excess of your sum insured

The maximum we’ll pay out on your policy is the sum insured that you set – so make sure you’re comfortable that you’ve got enough cover in place to replace both your pool, and your home, if the worst should happen.

If you're new to pool ownership, seek expert advice

If you have a pool or a spa, the best protection is to keep up with maintenance and ensure you’re caring for your pool appropriately. 

If you’ve recently purchased a new home or installed a new pool, it’s a good idea to seek expert advice to ensure that you take the right steps to care for it.

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