{"id":19593,"date":"2025-12-20T11:53:25","date_gmt":"2025-12-20T11:53:25","guid":{"rendered":"https:\/\/comparepriceswebsite.co.uk\/?p=19593"},"modified":"2025-12-20T11:54:13","modified_gmt":"2025-12-20T11:54:13","slug":"uk-subsidence-cover","status":"publish","type":"post","link":"https:\/\/comparepriceswebsite.co.uk\/index.php\/2025\/12\/20\/uk-subsidence-cover\/","title":{"rendered":"UK Home Insurance: What Subsidence Cover Really Means, Red Flags, and How to Check Your Risk"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">A crack in a wall can feel like a loud alarm bell. Sometimes it\u2019s nothing serious, like plaster drying out. Other times it\u2019s the first hint the ground under your home is moving, and that\u2019s when&nbsp;<strong>subsidence cover<\/strong>&nbsp;starts to matter.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-base-color has-custom-2-daf-4-a-background-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/www.paidonresults.net\/c\/57631\/1\/2069\/0\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Find Subsidence Cover<\/a><\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">The tricky bit is that policies often talk about subsidence in a bundle with other ground movement, and the excess can be much higher than you expect. Add a survey report full of cautious wording, and it\u2019s easy to panic or overpay.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This guide explains what subsidence cover usually pays for, what it often won\u2019t pay for, the quote red flags to spot, how to check your risk before you buy or renew, and what to do if you think your home is shifting.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-subsidence-heave-and-landslip-what-they-are-and-what-insurers-mean\">Subsidence, heave, and landslip, what they are (and what insurers mean)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><img decoding=\"async\" src=\"https:\/\/user-images.rightblogger.com\/ai\/a65aaa4e-ecab-4443-b26f-fd4439592fa8\/uk-semi-detached-house-subsidence-cracks-86437c65.jpg\" alt=\"UK semi-detached house with early subsidence cracks\" title=\"\">&nbsp;<em>Diagonal cracking around openings is one common sign insurers investigate, created with AI.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Insurers usually separate ground movement into three plain ideas:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Subsidence<\/strong>: \u201cdownward movement of the ground supporting the building\u201d, the soil shrinks or is washed away, and the foundations drop.<\/li>\n\n\n\n<li><strong>Heave<\/strong>: \u201cupward movement of the ground\u201d, often when clay swells as it gets wetter, or after trees are removed and the soil re-hydrates.<\/li>\n\n\n\n<li><strong>Landslip<\/strong>: \u201csideways movement on a slope\u201d, where ground slips downhill.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">People often mix up&nbsp;<strong>subsidence<\/strong>&nbsp;with&nbsp;<strong>settlement<\/strong>. Settlement is the natural bedding-in of a building (common after building work or in newer homes). It can still cause cracks, but many policies treat it as normal and exclude it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Also, cracks alone don\u2019t prove subsidence. A door that slams, a ceiling crack, or rippled wallpaper might be structural movement, or it might be damp, poor plastering, or a past repair failing. The cause matters because it decides whether cover applies and what fix is sensible (stitching and redecoration, drain repairs, tree management, or in rare cases underpinning).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-common-warning-signs-that-are-worth-checking\">Common warning signs that are worth checking<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">These signs are worth a closer look, but each can have other causes too:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Diagonal cracks<\/strong>\u00a0around doors and windows (often running through brickwork).<\/li>\n\n\n\n<li><strong>Cracks that widen<\/strong>\u00a0over weeks or months, or reappear after being filled.<\/li>\n\n\n\n<li><strong>Sticking doors and windows<\/strong>, especially if it\u2019s new and localised.<\/li>\n\n\n\n<li><strong>Ripped or bubbled wallpaper<\/strong>\u00a0where the wall has moved.<\/li>\n\n\n\n<li><strong>Slightly sloping floors<\/strong>\u00a0or a \u201crolling marble\u201d feeling.<\/li>\n\n\n\n<li><strong>Gaps<\/strong>\u00a0between skirting boards and floors, or between walls and ceilings.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A simple rule of thumb: if a crack is&nbsp;<strong>wider than a few millimetres<\/strong>, getting worse, or showing up in several places, treat it as a reason to investigate. A qualified surveyor or structural engineer is best placed to confirm the cause.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-subsidence-cover-usually-includes-plus-the-exclusions-that-catch-people-out\">What subsidence cover usually includes, plus the exclusions that catch people out<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Subsidence claims are rarely quick fixes. Think of it like finding a leak in a roof. You don\u2019t just paint the ceiling, you find the leak, stop it, let things dry, then repair the damage. Subsidence works the same way: identify the movement, stop the cause, then repair.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-is-normally-covered-investigation-monitoring-repairs-and-living-costs\">What is normally covered (investigation, monitoring, repairs, and living costs)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><img decoding=\"async\" src=\"https:\/\/user-images.rightblogger.com\/ai\/a65aaa4e-ecab-4443-b26f-fd4439592fa8\/structural-engineer-inspecting-uk-home-wall-cracks-c1575f47.jpg\" alt=\"Structural engineer measuring a crack\" title=\"\">&nbsp;<em>Insurers often use specialists to measure, monitor, and diagnose movement, created with AI.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With buildings insurance, subsidence cover typically focuses on the structure of the home (not your furniture). A \u201cnormal\u201d path often looks like this:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1) Investigation and expert reports<\/strong><br>Insurers may arrange a structural engineer\u2019s visit, plus checks like a drain survey, soil testing, and crack measurement. Professional fees are often handled as part of the claim when they\u2019re needed to diagnose and scope repairs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2) Monitoring over time<\/strong><br>If movement is suspected, the insurer may monitor cracks for months. It can feel slow, but monitoring helps confirm if the building is still moving, and avoids paying for repairs that would just crack again.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3) Fixing the cause<\/strong><br>Common causes include leaking drains washing away soil, or trees drawing moisture from shrink-swell clay. Fixes can include repairing drains, improving water management, or controlled tree or root management. The aim is to stop ongoing movement, not just tidy the symptoms.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4) Structural repairs and making good<\/strong><br>This may involve stitching cracks, replacing damaged brickwork, re-plastering, and redecorating. Underpinning is possible, but it\u2019s not the default, it\u2019s used when other options won\u2019t stabilise the property.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>5) Alternative accommodation and extra costs<\/strong><br>If the home is unsafe or unliveable, many policies cover reasonable costs for temporary accommodation and extra expenses. Always check if there\u2019s a limit and what counts as \u201creasonable\u201d.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">One cost that surprises people is the subsidence excess. It\u2019s often&nbsp;<strong>\u00a31,000 or more<\/strong>, far higher than a standard buildings excess. That\u2019s important for budgeting, especially if you\u2019re trying to keep household bills predictable.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-common-exclusions-and-limits-to-spot-before-you-buy-or-renew\">Common exclusions and limits to spot before you buy or renew<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This is where reading the policy schedule and wording can save you money later.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Wear and tear, poor maintenance, and defects<\/strong>: Insurers often won\u2019t pay if damage stems from neglected upkeep (like broken gutters causing long-term saturation) or defective design or workmanship.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Gradual movement and historic cracks<\/strong>: If cracking is old, not worsening, or happened before the policy started, cover may be limited or refused. This is also why you should disclose known issues when you take out cover.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Normal settlement<\/strong>: Many policies exclude settlement, shrinkage, or expansion of the building or ground that isn\u2019t true subsidence. Newer homes can have settling periods where cracking is treated as non-insurable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Coastal or river erosion<\/strong>: Policies commonly exclude erosion, even though it can look like subsidence from the homeowner\u2019s point of view.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Garden and external features<\/strong>: Damage only to patios, drives, garden walls, or retaining walls is often excluded unless the main house is also affected. If you have a sloped garden with retaining walls, check the wording carefully.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Trees, roots, and drains<\/strong>: Many policies will cover subsidence caused by trees or leaking drains, but conditions vary. Some set rules around maintenance, reporting, or the scope of what they\u2019ll pay for (for example, stabilising the home but not \u201cimproving\u201d old drainage beyond what\u2019s needed).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Conditions and caps<\/strong>: Watch for requirements to notify the insurer promptly, prove ongoing movement, or limits on alternative accommodation costs. Missing a condition can cause delays, or worse, a dispute.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-red-flags-in-subsidence-cover-how-to-check-your-risk-and-what-to-do-next\">Red flags in subsidence cover, how to check your risk, and what to do next<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><img decoding=\"async\" src=\"https:\/\/user-images.rightblogger.com\/ai\/a65aaa4e-ecab-4443-b26f-fd4439592fa8\/cracked-dry-clay-soil-tree-roots-uk-field-30000d0c.jpg\" alt=\"Cracked clay soil showing shrink-swell risk\" title=\"\">&nbsp;<em>Shrink-swell clay is a known driver of ground movement in some areas, created with AI.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Subsidence cover can be solid, but small print and risk factors decide whether you\u2019re paying for real protection or just a comforting heading in a document.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-policy-and-quote-red-flags-that-can-cost-you-later\">Policy and quote red flags that can cost you later<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Very high subsidence excess<\/strong>\u00a0(check the exact figure in the schedule).<\/li>\n\n\n\n<li><strong>Cover limited to certain causes only<\/strong>, with others excluded.<\/li>\n\n\n\n<li><strong>An endorsement removing subsidence, heave, or landslip<\/strong>.<\/li>\n\n\n\n<li><strong>Exclusions for prior movement, previous claims, or underpinning<\/strong>.<\/li>\n\n\n\n<li><strong>Strict reporting or monitoring rules<\/strong>, with penalties if you don\u2019t follow them.<\/li>\n\n\n\n<li><strong>Exclusions for drains, trees, or retaining walls<\/strong>\u00a0that are relevant to your property.<\/li>\n\n\n\n<li><strong>Vague definitions<\/strong>\u00a0that make it hard to tell what\u2019s included.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Tip: ask for the full policy wording and your&nbsp;<strong>schedule<\/strong>, because endorsements and the exact excess often sit there, not in the headline summary.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-to-check-your-subsidence-risk-before-buying-or-renewing-quick-diy-checks-plus-records-to-request\">How to check your subsidence risk before buying or renewing (quick DIY checks plus records to request)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A quick scan can stop you overpaying, or help you spot a real risk early:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Check your local ground type and shrink-swell risk using British Geological Survey mapping tools.<\/li>\n\n\n\n<li>Look for slopes, banks, or signs of past ground movement, landslip is often linked to topography.<\/li>\n\n\n\n<li>Note large trees close to the house, especially near bays, extensions, and shallow foundations.<\/li>\n\n\n\n<li>Look for drainage issues: leaking gutters, cracked downpipes, sunken paving near drains, damp patches.<\/li>\n\n\n\n<li>Consider the building style: older solid wall homes, side extensions, and bay windows can be more sensitive to movement, and newer homes may show settlement cracks.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Paperwork to request or review:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Seller disclosures and any past insurance claim history that\u2019s available.<\/li>\n\n\n\n<li>Survey reports (a RICS Home Survey is a common choice).<\/li>\n\n\n\n<li>Conveyancing searches and local authority building control records for major works.<\/li>\n\n\n\n<li>Environment Agency flood information, because water and saturation can worsen ground instability.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-if-you-suspect-subsidence-what-to-do-and-what-not-to-do\">If you suspect subsidence, what to do (and what not to do)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Start simple and stay organised:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Take&nbsp;<strong>dated photos<\/strong>, measure cracks, and note where they are. Check for obvious leaks and keep the area safe.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Contact your insurer early and follow their process. Avoid major repairs before approval, because it can complicate the claim and evidence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Use a structural engineer or chartered surveyor for diagnosis, rather than relying on a quick builder opinion. And don\u2019t hide known issues when buying or renewing, non-disclosure can cause claim problems.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-subsidence-claims-typically-work-timelines-repairs-and-what-it-means-for-selling\">How subsidence claims typically work, timelines, repairs, and what it means for selling<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><img decoding=\"async\" src=\"https:\/\/user-images.rightblogger.com\/ai\/a65aaa4e-ecab-4443-b26f-fd4439592fa8\/subsidence-claim-process-timeline-infographic-ff589553.jpg\" alt=\"Infographic-style timeline of a subsidence claim process\" title=\"\">&nbsp;<em>Claims often run in stages from investigation to monitoring to repairs, created with AI.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A typical claim involves an insurer appointing a loss adjuster, arranging investigations, then monitoring if needed. Only after the cause is controlled do repairs usually begin. This can take months, sometimes longer, depending on movement and access.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some insurers offer insurer-managed repairs, others may offer a cash settlement (not always). Keep all reports and completion notes, they can help later if you sell.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">After a claim, premiums may rise, and you\u2019ll usually need to declare past subsidence to buyers. If you hit a dead end in a dispute, the FCA rules shape complaint handling, and the Financial Ombudsman Service can review unresolved complaints. The ABI and RICS also publish general guidance on standards and good practice.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\">Conclusion<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Subsidence is scary because it feels like the house is moving under your feet. The good news is&nbsp;<strong>subsidence cover<\/strong>&nbsp;can pay for the right investigations and repairs, but the wording, excess, and exclusions decide how helpful it really is.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Use this mini checklist before you buy or renew:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Read the policy\u00a0<strong>schedule<\/strong>\u00a0for endorsements and the subsidence excess<\/li>\n\n\n\n<li>Check what \u201csubsidence, heave, landslip\u201d includes in your wording<\/li>\n\n\n\n<li>Confirm cover for drains, trees, and alternative accommodation limits<\/li>\n\n\n\n<li>Do a quick ground and slope check using British Geological Survey tools<\/li>\n\n\n\n<li>Look for drainage leaks and keep gutters and downpipes maintained<\/li>\n\n\n\n<li>Keep photos and notes of any cracks, even if they seem minor<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Quick FAQs<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Buildings vs contents: subsidence cover is mainly under buildings insurance.<\/li>\n\n\n\n<li>Will DIY repairs void cover: major repairs before insurer approval can cause issues.<\/li>\n\n\n\n<li>Do I have to declare old cracks: declare known damage and past claims to avoid problems later.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-base-color has-custom-1-a-73-e-8-background-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/www.paidonresults.net\/c\/57631\/1\/2069\/0\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Subsidance Cover<\/a><\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Shop for More with Our Verified UK Insurance providers:<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.paidonresults.net\/c\/57631\/1\/2069\/0\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Landlords Insurance<\/a>&nbsp;\u2013&nbsp;<a href=\"https:\/\/www.paidonresults.net\/c\/57631\/1\/2069\/0\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Tenants Insurance<\/a>&nbsp;\u2013&nbsp;<a href=\"https:\/\/www.paidonresults.net\/c\/57631\/1\/2069\/0\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Home Buyers insurance<\/a>&nbsp;\u2013&nbsp;<a href=\"http:\/\/Shop for More with Our Verified UK Insurance providers: Landlords Insurance \u2013 Tennants Insurance \u2013 Home Buyers insurance \u2013 Home Emergency Cover Home Appliance Cover\u2013 Income Protection insurance Travel Insurance \u2013 Gadget Insurance \u2013 Phone Insurance \u2013 Caravan Insurance \u2013 Cycle Insurance \u2013 E-Bike Insurance Car Finance \u2013 Car Breakdown Cover \u2013 Van Breakdown Cover \u2013 Motorbike Breakdown Cover \u2013 Explore our Buyers Guides with Money Saving Tips For a list of our main buyers guides use the drop-down menu at the top of the page. Topics related to this article are: Phone Insurance Buyers Guide Insurance Buyers Guides Laptop Insurance Buyers Guides Gadget Insurance Buyers Guides Tennant\u2019s Insurance Buyers Guide Landlords Insurance Buyers Guide Home Emergency Cover Buyers Guide Travel Insurance Buyers Guides Car Breakdown Cover Buyers Guide Buyers Guides Homepage \u2013 Explore Our Blog Categories for Expert Buying Advice\" target=\"_blank\" rel=\"noreferrer noopener\">Home Emergency Cover<\/a>&nbsp;<a href=\"https:\/\/www.paidonresults.net\/c\/57631\/1\/2175\/0\/products\/home-appliance\/\" rel=\"nofollow noopener\" target=\"_blank\">Home Appliance Cover<\/a>\u2013&nbsp;<a href=\"https:\/\/clk.tradedoubler.com\/click?p=365974&amp;a=3208630\" rel=\"nofollow noopener\" target=\"_blank\">Income Protection insurance<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/scripts.affiliatefuture.com\/AFClick.asp?affiliateID=349505&amp;merchantID=2009&amp;programmeID=7123&amp;mediaID=0&amp;tracking=&amp;afsource=20&amp;url=\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Travel Insurance<\/a>&nbsp;\u2013&nbsp;<a href=\"https:\/\/scripts.affiliatefuture.com\/AFClick.asp?affiliateID=349505&amp;merchantID=2382&amp;programmeID=6421&amp;mediaID=0&amp;tracking=&amp;afsource=20&amp;url=\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Gadget Insurance<\/a>&nbsp;\u2013&nbsp;<a href=\"https:\/\/scripts.affiliatefuture.com\/AFClick.asp?affiliateID=349505&amp;merchantID=2382&amp;programmeID=6421&amp;mediaID=0&amp;tracking=&amp;afsource=20&amp;url=\" rel=\"nofollow noopener\" target=\"_blank\">Phone Insurance<\/a>&nbsp;\u2013&nbsp;<a href=\"https:\/\/www.paidonresults.net\/c\/57631\/1\/2175\/0\/products\/caravan-insurance\/static-caravan\/quote\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Caravan Insurance<\/a>&nbsp;\u2013&nbsp;<a href=\"https:\/\/www.paidonresults.net\/c\/57631\/1\/2175\/0\/products\/bicycle-quote\/?package_source=nova-direct&amp;package_type=bicycle\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Cycle Insurance<\/a>&nbsp;\u2013&nbsp;<a href=\"https:\/\/www.paidonresults.net\/c\/57631\/1\/2175\/0\/products\/bicycle-quote\/?package_source=nova-direct&amp;package_type=bicycle\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">E-Bike Insurance<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.paidonresults.net\/c\/57631\/1\/2257\/0\" rel=\"nofollow noopener\" target=\"_blank\">Car Finance<\/a>&nbsp;\u2013&nbsp;<a href=\"https:\/\/www.paidonresults.net\/c\/57631\/1\/2175\/0\/products\/breakdown\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Car Breakdown Cover<\/a>&nbsp;\u2013&nbsp;<a href=\"https:\/\/www.paidonresults.net\/c\/57631\/1\/2175\/0\/products\/van-breakdown-cover\/\" rel=\"nofollow noopener\" target=\"_blank\">Van Breakdown Cover \u2013<\/a>&nbsp;<a href=\"https:\/\/www.paidonresults.net\/c\/57631\/1\/2175\/0\/products\/motorbike-breakdown-cover\/\" rel=\"nofollow noopener\" target=\"_blank\">Motorbike Breakdown Cover<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2013<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Explore our Buyers Guides with Money Saving Tips<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">For a list of our main buyers guides use the drop-down menu at the top of the page. Topics related to this article are:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/phone-insurance\/\">Phone Insurance Buyers Guide<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/insurance\/\">Insurance Buyers Guides<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/laptop-insurance\/\">Laptop Insurance Buyers Guides<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/gadget-insurance\/\">Gadget Insurance Buyers Guides<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/tenant-insurance\/\">Tennant\u2019s Insurance Buyers Guide<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/landlord-insurance\/\">Landlords Insurance Buyers Guide<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.paidonresults.net\/c\/57631\/1\/2304\/0\" rel=\"nofollow noopener\" target=\"_blank\">Home Emergency Cover Buyers Guide<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/travel-insurance-calculator\/\">Travel Insurance Buyers Guides<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/car-breakdown-cover\/\">Car Breakdown Cover Buyers Guide<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/\">Buyers Guides Homepage<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2013<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-explore-our-blog-categories-for-expert-buying-advice\">Explore Our Blog Categories for Expert Buying Advice<\/h2>\n\n\n<ul class=\"wp-block-categories-list wp-block-categories-taxonomy-category wp-block-categories\">\t<li class=\"cat-item cat-item-87\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/ai-powered-product-finder-tools\/\">AI Powered Product Finder Tools<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-107\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/brands-designer-products-men-women-tech\/brands-electronics-buyers-guides-reviews\/brands-apple-products-buyers-guides-reviews\/\">Apple Products Buyer\u2019s Guides &amp; Reviews<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-89\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/clothing-fashion-buying-guides-uk\/beauty-health-wellness-perfume-skincare-makeup\/\">Beauty, Health &amp; Wellness | Perfume, Skincare, Makeup &amp; Wellbeing Guides<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-39\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/furniture-buyers-guides-home-styling-tips\/bedroom-furniture-guides-uk\/\">Bedroom Furniture Guides UK | Expert Tips &amp; Best Value Deals<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-41\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/furniture-buyers-guides-home-styling-tips\/bedroom-furniture-guides-uk\/beds-buying-guides-uk\/\">Beds Buying Guides UK | Types, Tips &amp; Best Deals<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-105\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/brands-designer-products-men-women-tech\/brands-electronics-buyers-guides-reviews\/brands-phones-laptops-pcs-tablets-buyers-guides-reviews\/\">Brands &#8211; Phones, Laptops, PC\u201ds, Tablets | Buyer\u2019s Guides &amp; Reviews<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-93\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/brands-designer-products-men-women-tech\/\">Brands &amp; Designer Products (Men, Women &amp; Electronics)<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-5\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/car-buying-financing-blog\/\">Car Buying &amp; Financing Made Easy | Expert Guides for the UK<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-81\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/holiday-buyers-guides-travel-tips\/car-rental-worldwide\/\">Car Rental Worldwide: Compare Prices &amp; Top Deals for UK Travellers<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-83\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/gifts\/christmas-essentials-decorations-gift-ideas\/\">Christmas Essentials: Decorations &amp; Gift Ideas<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-10\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/clothing-fashion-buying-guides-uk\/\">Clothing, Fashion &amp; Accessories Buying Guides UK<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-119\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/brands-designer-products-men-women-tech\/designer-fashion-brands-buyers-guides-reviews\/\">Designer Fashion Brands: Buyer\u2019s Guides &amp; Reviews<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-131\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/clothing-fashion-buying-guides-uk\/jewellery-reviews-trends-buying-guides\/diamond-jewellery-buyers-guides-shopping-tips\/\">Diamond Jewellery Buyers Guides &amp; Shopping Tips<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-101\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/brands-designer-products-men-women-tech\/brands-electronics-buyers-guides-reviews\/\">Electronic Brands: Buyers Guides &amp; Reviews<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-117\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/brands-designer-products-men-women-tech\/brands-electronics-buyers-guides-reviews\/electronics-tablet-ipad-reviews-and-buyers-guides\/\">Electronics &#8211; Tablet &amp; iPad Reviews and Buyers Guides<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-9\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/expert-electronics-buying-guides-uk\/\">Electronics, Tech &amp; Gadgets: Reviews, Deals &amp; Buying Guides UK<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-79\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/holiday-buyers-guides-travel-tips\/europe-holidays-hotels\/\">Europe Holidays &amp; Hotels: Top Destinations, Booking Guides &amp; Local Attractions<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-7\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/\">Expert Buying Guides &amp; Shopping Tips for UK Shoppers<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-155\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/furniture-buyers-guides-home-styling-tips\/home-furniture-decor-interior-design-guides-uk\/flooring-wood-laminate-carpets-and-floor-tiles-buyers-guides\/\">Flooring: Wood, Laminate, Carpets and Floor Tiles Buyers Guides<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-127\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/brands-designer-products-men-women-tech\/designer-fashion-brands-buyers-guides-reviews\/footwear-brands-reviews-buyers-guides\/\">Footwear Brands: Reviews &amp; Buyer\u2019s Guides<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-137\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/clothing-fashion-buying-guides-uk\/footwear-trainers-shoes-buyers-guides\/\">Footwear: Trainers &amp; Shoes Buyers Guides<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-6\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/furniture-buyers-guides-home-styling-tips\/\">Furniture Buyer\u2019s Guides | Home &amp; Garden &amp; Styling Tips<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-57\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/compare-uk-insurance-options-expert-buyers-guides\/gadget-insurance-uk-expert-guides-reviews\/\">Gadget Insurance UK | Expert Guides, Reviews &amp; Smart Protection Tips<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-147\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/expert-electronics-buying-guides-uk\/game-reviews-playstation-xbox-nintendo-pc\/\">Game Reviews \u2014 PlayStation, Xbox, Nintendo &amp; PC<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-145\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/expert-electronics-buying-guides-uk\/gaming-buyers-guides-consoles-games-keys-more\/\">Gaming Buyers Guides \u2014 Consoles, Games, Keys &amp; More<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-67\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/furniture-buyers-guides-home-styling-tips\/garden-furniture-landscaping-garden-rooms-guides\/garden-furniture-uk-reviews-deals-buying-guide\/\">Garden Furniture UK: Expert Reviews, Deals &amp; Buying Guides<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-43\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/furniture-buyers-guides-home-styling-tips\/garden-furniture-landscaping-garden-rooms-guides\/\">Garden Furniture, Landscaping &amp; Garden Rooms Guides UK | Expert Tips &amp; Best Value Deals<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-37\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/furniture-buyers-guides-home-styling-tips\/garden-furniture-landscaping-garden-rooms-guides\/garden-rooms-offices-summer-houses\/\">Garden Rooms, Offices &amp; Garden Buildings Guides UK | Expert Tips &amp; Best Value Deals<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-153\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/clothing-fashion-buying-guides-uk\/jewellery-reviews-trends-buying-guides\/gemstone-jewellery-buyers-guides\/\">Gemstone Jewellery Buyers Guides<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-85\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/gifts\/\">Gifts for Everyone: Ideas for Every Occasion &amp; Budget<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-135\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/clothing-fashion-buying-guides-uk\/jewellery-reviews-trends-buying-guides\/gold-jewellery-buyers-guides-shopping-tips\/\">Gold Jewellery Buyers&#039; Guides &amp; Shopping Tips<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-4\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/holiday-buyers-guides-travel-tips\/\">Holidays &amp; Travel: Hotels, Villas, UK Breaks &amp; Skiing<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-49\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/furniture-buyers-guides-home-styling-tips\/home-furniture-decor-interior-design-guides-uk\/home-decor-design-styling-tips-uk\/\">Home D\u00e9cor, Interior Design &amp; Styling Tips UK | Inspiration &amp; Expert Advice<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-63\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/compare-uk-insurance-options-expert-buyers-guides\/home-emergency-cover-uk-expert-guides-reviews\/\">Home Emergency Cover UK | Expert Guides, Reviews &amp; Practical Protection Tips<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-47\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/furniture-buyers-guides-home-styling-tips\/home-furniture-decor-interior-design-guides-uk\/home-furniture-guides-tips-uk\/\">Home Furniture Guides UK | Expert Tips &amp; Best Value Deals<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-45\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/furniture-buyers-guides-home-styling-tips\/home-furniture-decor-interior-design-guides-uk\/\">Home Furniture, D\u00e9cor &amp; Interior Design Guides UK | Styling Tips &amp; Inspiration<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-8\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/compare-uk-insurance-options-expert-buyers-guides\/\">Insurance &amp; Protection: Travel, Landlord, Gadget &amp; More UK<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-75\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/brands-designer-products-men-women-tech\/brands-electronics-buyers-guides-reviews\/brands-phones-iphones-buyers-guides-reviews\/iphone-buying-guides-reviews-uk-comparisons\/\">iPhone Buying Guides, Reviews &amp; 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Smart Shopping<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-121\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/brands-designer-products-men-women-tech\/designer-fashion-brands-buyers-guides-reviews\/womens-designer-brands-buyers-guides-reviews\/\">Women\u2019s Designer Brands: Buyer\u2019s Guides &amp; Reviews<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-123\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/brands-designer-products-men-women-tech\/designer-fashion-brands-buyers-guides-reviews\/womens-designer-brands-buyers-guides-reviews\/womens-designer-shoe-brands-buyers-guides-reviews\/\">Women\u2019s Designer Shoe Brands: Buyer\u2019s Guides &amp; Reviews<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-91\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/clothing-fashion-buying-guides-uk\/womens-clothes-fashion-guides-uk-latest-trends-smart-shopping\/womens-dresses-online-shopping-guides-style-tips\/\">Women\u2019s Dresses | Online Shopping Guides, Style Tips<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-97\"><a href=\"https:\/\/comparepriceswebsite.co.uk\/index.php\/category\/expert-buying-guides-shopping-tips-for-uk-shoppers\/brands-designer-products-men-women-tech\/designer-fashion-brands-buyers-guides-reviews\/brands-perfume-aftershave-brands-edt-edp-parfum\/brands-womens-perfume-edt-edp-parfum\/\">Women\u2019s Perfume Brands: Reviews &amp; 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Sometimes it\u2019s nothing serious, like plaster drying out. Other times it\u2019s the first hint the ground under your home is moving, and that\u2019s when&nbsp;subsidence cover&nbsp;starts to matter. The tricky bit is that policies often talk about subsidence in a bundle with other ground [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[61,7,8],"tags":[],"class_list":["post-19593","post","type-post","status-publish","format-standard","hentry","category-landlords-insurance-uk-expert-guides-reviews","category-expert-buying-guides-shopping-tips-for-uk-shoppers","category-compare-uk-insurance-options-expert-buyers-guides"],"_links":{"self":[{"href":"https:\/\/comparepriceswebsite.co.uk\/index.php\/wp-json\/wp\/v2\/posts\/19593","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/comparepriceswebsite.co.uk\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/comparepriceswebsite.co.uk\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/comparepriceswebsite.co.uk\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/comparepriceswebsite.co.uk\/index.php\/wp-json\/wp\/v2\/comments?post=19593"}],"version-history":[{"count":1,"href":"https:\/\/comparepriceswebsite.co.uk\/index.php\/wp-json\/wp\/v2\/posts\/19593\/revisions"}],"predecessor-version":[{"id":19594,"href":"https:\/\/comparepriceswebsite.co.uk\/index.php\/wp-json\/wp\/v2\/posts\/19593\/revisions\/19594"}],"wp:attachment":[{"href":"https:\/\/comparepriceswebsite.co.uk\/index.php\/wp-json\/wp\/v2\/media?parent=19593"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/comparepriceswebsite.co.uk\/index.php\/wp-json\/wp\/v2\/categories?post=19593"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/comparepriceswebsite.co.uk\/index.php\/wp-json\/wp\/v2\/tags?post=19593"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}