Our cellar floods every 10 years or so. The neighbours is lower, is converted to a lounge, so his pump takes some of the water from under our cellar. Trouble is his pump broke and it flooded and he claimed, so now his insurance is twice the price it was. Have a customer and his cellar pump packed up as well. Flooded a big cellar up to the ground floor and all his stored stuff was destroyed. I had to pump it dry and replace the pump. So the point I am making is have two pumps and test them annually, it will be cheaper than the insurance premium (which may go up anyway). We have three pumps!