After some advice on poetential for being mis-sold.
Basically over the weekend my guttering downpipe has broke off. Its cast iron so quite heavy and the top section maybe poetentially hanging without support. I cant get up there to check & not really prepared to do so in the weather conditions.
Now...I check my home insurance last night & I took out 'Home Emergency Assistance' as an additional policy @ cost of around £30 for the year. On my renewal letter it clearly states in a paragraph that gutters & downpipes are covered should they fail & that there would be no excess and it wouldnt affect my claims discount etc.
Now having rung to claim today & being passed from pillar to post, it turns out its a Homeserve additional policy & they dont cover gutters/downpipes. In the main T&C's for the policy, which I have never recieved it apparently says in there that they are NOT covered.
Do I have a leg to stand on because of the inital small paragraph on the renewal letter or will they just start pointing out the main T&C's???