With the peak home buying season on its way, we’re getting ready to have plenty of brilliant conversations with customers about their home insurance needs.

Sadly, with our new research showing the extent of DIY disasters, it looks like we could also be hearing from some customers with some unexpected problems too – the number one disaster in the survey was one simple job leading to another, more expensive job.

Top 10 DIY disasters

  1. One simple job led to another, more expensive job
  2. Burst water pipe
  3. Spilled paint on carpet/floors
  4. Plaster damage from putting a shelf up
  5. Personal injury
  6. Drilled into electrical wire or gas pipe
  7. Fell through the ceiling or made a hole in my roof
  8. Window fell out when I was fitting it
  9. Measured carpets wrong, didn’t fit the room
  10. Caused structural damage

Caroline Hunter, Head of Home Insurance, said:

“Brits are well-known for their love affair with DIY, however our findings show that we are not always successful. Enthusiasm is brilliant but this needs to be balanced with ability, as what seems like a simple task can often lead to a much more expensive job. It is therefore important to approach DIY with not only common sense, but also knowledge and preparation, to try to ensure accidents don’t happen.”

The study has also shown that the average cost of these accidents is £2,271 – an amount which could add up to a staggering £3.4bn across the UK.

Worryingly of those that have experienced DIY disasters in the home, nearly half (47%) didn’t have the correct insurance cover in place before they went happy with the hammer.

Caroline has urged colleagues and customers to check with their insurer before starting a job:

“Before you reach for the paintbrush or toolbox, we strongly recommend checking the level of cover you currently have in place with your insurance provider, as you may find you’re not covered for any DIY mishaps you encounter.

“Accidental damage may cover disasters such as spilt paint on carpets or burst water pipes, however more extensive home improvement projects, such as changes to the building’s structure might invalidate your home insurance policy if it isn’t completed by a professional builder, so it’s best to check before you start.”