Home insurance Updated:
Will you be indulging in a spot of DIY this bank holiday weekend? After all, it's tradition! But, before you get out the tool kit or fire up the glue gun, take the time to think whether your chosen project is something you can comfortably complete – because if you botch it, it could end up costing far more than you bargained for.
Having to call out the professionals can make a DIY job a whole lot more expensive than it needs to be, but unfortunately, that's often the case at this time of year. Indeed, based on past experience, home repairs firm Rightio expects callouts to spike on Tuesday following the May bank holiday, a trend that was noticed last year as many realised the error of their inexperienced ways.
Their data shows that callouts drop by more than a third over the bank holiday weekend itself, but the spike on Tuesday (when the firm typically receives more than 200 calls) suggests that many people realise that their "well-intentioned but under-experienced botch jobs need putting right".
While it's often fun – and cheaper – to complete some home repairs or DIY jobs yourself, it's important to know where to draw the line. If you think your skills aren't up to scratch then it's always worth calling in the professionals, as although it may seem more expensive to begin with, it could be a whole lot cheaper than if a repairs firm has to come and fix it later!
Karl Tulloch, managing director at Rightio, agrees: "Brits' love for DIY gets into full swing over bank holiday weekends as many look to tackle those odd jobs they've been meaning to get to – as well as those 'emergencies' that get-togethers and time at home can bring.
"However, while it may seem a great idea at the time, inexperienced homeowners carrying out work beyond their DIY capabilities often just creates a bigger, more urgent and costly problem for a professional to fix. We're all for homeowners getting down to some DIY over the bank holiday, but strongly recommend that they stick to jobs within their comfort zone, and most importantly, stay safe."
If you're determined to give DIY a go, make sure your home's protected with the right insurance policy. There'd be nothing worse than mistakes being made that could cost hundreds of pounds to be rectified, only to find that you have to cover everything out of your own pocket.
In this case, being covered for accidental damage is absolutely vital, but make sure you're getting what you expect. Some home insurance policies only cover electrical items in this matter, for example, so it's worth seeing whether additional cover can be provided that can protect you in the event of paint spillages, plaster mishaps or a botched plumbing job. Check the terms and conditions and pay particular attention to any exclusions, and hopefully, even if your best intentions do go awry, you won't have to suffer too many financial consequences.
Compare home insurance policies to make sure you're completely covered
Disclaimer: Information is correct as of the date of publication (shown at the top of this article). Any products featured may be withdrawn by their provider or changed at any time.
Moneyfacts.co.uk will, like most other websites, place cookies onto your computer’s
hard drive. This includes tracking cookies.