Damage caused by an escape of oil from a fixed installation should be covered by your home insurance policy. If you have a contents policy, it should also cover you for the loss of the oil itself whether leaked or stolen.

The cost of repairing a leaking pipe or tank would normally not be covered by your policy as this would be classed as wear and tear.  However, what you may not know is that if the leak has been caused by an accident, for example, hitting the pipe connection to your tank with your lawn mower, the repair should be covered if you have additional accidental damage cover.

An escape of oil is potentially very costly and complex as it can have a devastating effect on sub-structures which could require the involvement of environmental agencies and specialised environmental cleaners. 

At OLA we are accustomed to working with experts in this field and we have significant experience in dealing with these types of claims. If you are faced with making a claim, we will manage the procedure for you and negotiate with third parties on your behalf.  In addition, if you require contractors or emergency work we can recommend someone from our trusted panel.