Hot tubs and pizza ovens may not be covered by insurance

Millions of holidaymakers are having to re-think their travel plans this summer with quarantine rules and travel restrictions in place.

However, latest internet search data suggests many sunseekers will be creating their own personal holiday hot spots at home.

Hot tubs, swimming pools, fire pits, and pizza oven searches have rocketed, according to trends.

Checks for above ground pools have increased 1600 per cent; hot tubs have risen by 460 per cent; fire pits have gone up by 1,050 per cent and pizza ovens have hiked by 575 per cent.



However, consumers looking to spend their holiday money on pools and hot tubs should be aware of the limited cover provided by some home contents insurance policies, both for garden theft and accidental damage.

A 15ft diameter above ground pool can contain over 5,000 gallons of water.

If the pool should suddenly collapse, the mini-tidal wave could cause severe damage to surrounding plants, shrubs and maybe even fences and this damage is unlikely to be covered by your home contents insurance.



Hot tubs and pizza ovens may not be covered by insurance

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Should damage extend to neighbouring property, the policy holder may also be liable and uninsured for damage.

You may also be left deflated if your blow-up hot tub is punctured by an over-enthusiastic pet. Accidental damage to furniture and equipment left outside is rarely covered by additional accidental damage protection, even if you’ve paid extra to cover your home contents.

Lee Griffin, from GoCompare, commented: “Google Trends data suggests that lots of people are spending hundreds if not thousands of pounds turning their gardens into their own private holiday hideaways with pools, hot tubs, fire pits and pizza ovens being the top buys for those planning lockdown garden-cations.

“However, householders should consider that their new purchases will usually be left outdoors and open to being taken by unwanted visitors.

“There have been reports of inflatable hot tubs being emptied and stolen from gardens during the night.

“Whilst most home contents policies do give some protection for items left in your garden, the cover limit may not be enough to replace anything you might lose so it makes sense to check the cover you have when buying your home holiday equipment.”

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