Pls read my review on Trust Pilot. I used that platform because I could not determine if the community forum was the right forum.
Hello @eamesreb33 ,
Welcome to the Community Forum, the best place to get feedback from other members.
I assume this is regarding your water damage? I looked at this some time as others have raised the issue over unsuccessful claims. It needs to be taken with an enormous bucket of salt. It’s basically marketing dressed up as comfort. The “This Plan is not an insurance policy” repeatedly mentioned in the terms is a huge red flag. Sorry you have experienced this.
this. It’s not an insurance policy at all. It’s a last resort if your home insurance won’t pay out and then only a maybe at best. It’s like the “cancellation cover”, only works if it fits all the boxes and is still at their discretion. I think it’s a bit odd that a home owner wouldn’t just claim on their own policy for damage though if I’m honest. We all have to have it for exactly these reasons, you wouldn’t claim against a house guest. #tsandcs
@eamesreb33, sorry to hear of challenges.
We suspect that each of the THS insurance benefits may provide cheap, limited coverage but sound rather smashing in marketing materials.
The THS Third Party Liability Plan arguably has a misleading name. Unlike typical third party insurance, THS policy does not appear to cover any damage caused by a person (e.g. housesitter). Rather only to damage caused by a pet; provided that THS member is premium housesitter and not combo member.
The THS Sit Cancellation Insurance is indeed valid but has material quirks that may invalidate many claims; other terms (e.g. alternative accommodation location) that may motivate housesitter not to claim; and coverage amount eroded by inflation. Topic raised multiple times by multiple people on THS Forum. As policyholder, THS could presumably improve this coverage.