It is difficult to generalise about the outcome of a hypothetical claim against your second homes insurance policy. However, this example aims to clarify the situation regarding ‘matching set’ insurance claims.
Any insurer’s claims department will deal with each individual claim and they will professionally assess the circumstances and the implications arising.
Claims departments actually exist to help the speedy resolution of a policyholder’s claim. They are, however, under a professional obligation to ensure that the circumstances are covered by the policy.
If I claim on my insurance for damage to my settee, do I get a whole new set?
A ‘matching set clause’ within an insurance policy is often misunderstood by the insured. What does it mean?
Let us say that a pipe in your bathroom springs a leak over the weekend while your holiday cottage is unoccupied. This results in significant damage to a settee in the lounge below, which forms a matching set three piece suit.
In general, most holiday homes policies have a ‘matching set clause’ which does not cover the cost of replacing undamaged items which form part of a pair, set or suite. In this situation the insurance policy will pay out for replacing the damaged settee only, not the other undamaged matching items that make up the set.
This rule also generally applies to:
- Damaged items in a bathroom/kitchen suit
- Undamaged carpets in adjoining rooms
Insurance principles
Insurance typically covers problems that may arise due do circumstances that are entirely beyond your control. It may also cover the consequences of such a problem, where they can be seen to be reasonably attributable to the problem itself.
Some insurance policies (but by no means all) may make some allowances for indirect replacements where it’s warranted. In some circumstances, the insurer may also make a 50% contribution towards the cost of replacing matching items.
The features and terms of home insurance policies may typically vary in the way they see what is sometimes called ‘consequential damage’ or ‘matching set replacement’ and how they may see the wider context of the damage.
Insurers are likely to deal with each claim individually based on the circumstances surrounding the claim.
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