Landlord's Gas Central Heating Breakdown - Summary of Cover
This cover meets the needs of landlords who require insurance and expert assistance in the event of a gas central heating breakdown at their rental property.
What is covered?
If you suffer a breakdown of your domestic gas central heating system, you are covered for call-out, parts, materials, labour and VAT providing your boiler is not beyond economic repair. Your policy covers the repair of your gas fired central heating system (excluding warm air and LPG heating systems). The maximum permissible output of your domestic gas fired boiler under this cover is 60kW. You will also receive a full summer service of your boiler. A full inspection of all gas appliances in the property (gas fires, cookers, wall heaters, etc.) will be provided with a CP12 certificate as proof that they have been inspected and meet the safety standards.
What is not covered?
You will not be covered for problems caused by failure of the external public services to the property. The policy does not provide cover for the replacement of the central heating system or any appliances. Full Terms and Conditions will be provided with your Policy Summary.
What do I do if there is a gas leak?
If you ever smell gas or detect a leak, you should call the National Gas Emergency Service on 0800 111 999.
Are there any cover limits?
There are no cover limits for this policy, either for the cost of claims or the number of claims you can make. This policy does not cover the cost of replacement or repair where the boiler is beyond economical repair.
Who is eligible to apply?
All landlords with residential tenants are eligible to apply, unless the property is a mobile home, bedsit, in multiple occupancy, is shared by more than 6 tenants/1 family or is used for commercial purposes, in which case the property can’t be covered.
Can you cover any type of boiler?
Provided your gas boiler meets the eligibility criteria, you can be covered. Boilers are considered eligible when their parts are available at most stockists and can be sourced within a reasonable timescale.
How do I know what type of boiler I have?
If you have a hot water tank in your home, it is likely that you have a conventional boiler. If you don't, it is probably a combination boiler.
When will I be covered?
Your policy starts the day your application is processed. To prevent claims on pre-existing problems and to keep premiums low, there is an initial period of 14 days where you will not be covered, giving you 11 and a half months’ cover in your first year.
Is the CP12 inspection and certificate compulsory?
Yes, it is a legal requirement for landlords to obtain a CP12 certificate for all tenanted properties. Homeserve will undertake a full service of the boiler, and complete a safety inspection of all other gas appliances. On passing the safety check Homeserve will then issue your CP12 certificate.
Who provides Gas Central Heating Cover for Landlords?
The insurance policy is provided and underwritten by Inter Partner Assistance SA, The Quadrangle, 106 – 118 Station Road, Redhill, Surrey, RH1 1PR, United Kingdom office, registered number FC008998. It is arranged and administered for you by Homeserve Membership Ltd, Cable Drive, Walsall, WS2 7BN (Registered in England no. 2770612). You will therefore have a contract with Homeserve Membership Ltd to arrange and administer the policy on behalf of the insurer, for which the cost to you is £11.00, and a separate contract with Inter Partner Assistance SA. The total price you pay of £288.00 is unaffected by these arrangements. References to ‘Gas Central Heating Breakdown Cover for Landlords’ or 'Cover' in all documents include the services within both contracts.
Can I spread the cost of cover?
If you pay by Direct Debit you can pay quarterly or monthly. Quarterly payers will pay 4 instalments of £72.00. Monthly payers will pay 12 instalments of £24.00. Payment by any other method will be one annual payment.
What happens next year?
If you choose to pay by Direct Debit or credit/debit card, excluding Maestro, your policy will automatically renew. You will receive your new policy documentation in advance of renewal to give you time to consider whether the cover is still right for you. If you make any claim on the policy this may affect your future premium.
What if I am not satisfied?
If the insurance policy does not provide the cover you need, you should return your Policy Summary to Freepost RLYC-LXAL-GEEH, Customer Admin Department, Homeserve, Cable Drive, Walsall, WS2 7BN, within 28 days of the start of the period of insurance or within 28 days of the day you receive the policy documents, whichever is the later.
Any premium paid will be refunded in full, providing no claim has been made. If you cancel after this 28 day period (which includes the statutory 14 day cancellation period), your policy will cease and you will not receive a refund of any premium paid.
For full Terms and Conditions please call Homeserve FREE on 0800 408 9120.
Information correct at time of going to print.
