Electrical Emergency and Breakdown - Summary of Cover
This cover meets the needs of homeowners who require insurance and expert assistance in the event of an electrical emergency or breakdown at their domestic property.
What is covered?
The breakdown or failure of your permanent domestic electrical wiring system supplying electrical power including: wall sockets, switches, bulb sockets and fuse boxes all beyond the electricity company’s supply meter, up to £1,000 per claim (inc VAT) for parts, labour and call-out charges. There is no limit to the number of claims you can make per year.
What is not covered?
The repair of domestic appliances, maintenance tasks such as changing light bulbs, pre-existing problems, faults or permanent repair work which you have been advised is necessary to avoid repetitive situations leading to an emergency or breakdown, the repair of portable appliances and portable or fixed heating.
What is an electrical emergency?
An emergency is sudden and unforeseen damage to your domestic electrical wiring, which immediately a) exposes you to a risk to your health; b) creates a risk of loss or damage to the property; or c) makes the building uninhabitable.
Who is eligible to apply?
All homeowners are eligible to apply, unless the property is a mobile home, bedsit, in multiple occupancy or is used for commercial premises, in which case the property can’t be covered. Council or Housing Association tenants will not need this service.
When will I be covered?
Your policy starts the day your application is processed.
Who provides Electrical Emergency and Breakdown Cover?
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 GB Ltd, Cable Drive, Walsall, WS2 7BN (Registered in England no. 2770612). You will therefore have a contract with Homeserve GB Ltd to arrange and administer the policy on behalf of the insurer, for which the cost to you is £11 and a separate contract with Inter Partner Assistance SA. The total price you pay of £38.49 is unaffected by these arrangements. References to ‘Electrical Emergency and Breakdown Cover’ 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 1 instalment of £12.51 (3 months after the £1) and that will be followed by 2 instalments of £12.49. Monthly payers will pay 1 instalment of £4.21 (3 months after the £1) and that will be followed by 8 instalments of £4.16. Payment by any other method will be one payment of £37.49 (3 months after the £1).
What happens next year?
If you choose to pay by Direct Debit or credit/debit card, 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.
The first 3 months of this policy is offered to you as a trial (the trial period). If you are not satisfied with this policy for any reason, then you may cancel it by informing Homeserve of your wish to cancel the policy at least 14 days prior to the end of the trial period.
If you cancel after the initial 28 day period (which includes your statutory 14 day cancellation period), your cover will cease and you will not receive a refund of any premiums already paid.
For full Terms and Conditions please call Homeserve FREE on 0800 073 1243.
Information correct at time of going to print.
