Whether contents insurance or buildings insurance covers damage to a stairlift depends on how the equipment is classified and on the specific insurance policy. A key factor is whether the lift is regarded as an integral part of the building or whether other provisions apply. It is therefore not possible to make a general statement without consulting the policy documents.
Anyone planning to install a stairlift or who already uses one should clarify the insurance implications at an early stage. This helps to avoid any unpleasant surprises later on in the event of a claim. You can find out more about the structural aspects under ‘Stairlift Installation’ and ‘Stairlift Repair’.
These are indicative figures only. A personal consultation will help with your specific situation.
Others ask this too
- Who bears the costs if the stairlift is faulty?
- Does liability insurance cover damage to the stairlift?
- Who is the operator: the owner, the tenant or a service provider?
- What different considerations apply in care homes or hospitals?
- Who bears the costs in the event of vandalism or theft of outdoor installations?
- How do I demonstrate compliance with the minimum remaining width requirement to the WEG?
