Home Emergency - Summary of Cover
This cover meets the needs of homeowners who require insurance and expert assistance in the event of a home emergency at their domestic property.
What is covered?
If you suffer a home emergency such as your boiler breaking down, a blocked toilet or burst pipe, approved tradesmen are on hand 24 hours a day, 365 days a year to carry out permanent or temporary repairs up to the value of £300 per claim, including call-out, parts, labour and VAT. There is no limit to the number of claims you can make. These are examples only. There are many other instances which would also be covered.
What is not covered?
The following are not covered: routine plumbing e.g. replacing tap washers; external underground water supply pipes; routine electrics e.g. replacing light bulbs or fuses; vermin outside the main property; breakdown of
domestic appliances; boilers over 15 years old; burst or leaking hoses or washing appliances.
Who is eligible to apply?
All homeowners are eligible to apply, except where the property is a flat, mobile home, bedsit, in multiple occupancy or commercial premises. Council or Housing Association tenants will not need this service.
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 a period of 14 days where you will not be covered, giving you 11 and a half months’ cover in your first year.
Who provides Home Emergency 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 £5 and a separate contract with Inter Partner Assistance SA. The total price you pay of £107.88 is unaffected by these arrangements. References to ‘Home Emergency Cover’ or ‘Cover¹ 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 installments of £26.97. Monthly payers will pay 12 installments of £8.99. 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, 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, 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 220 181.
Information correct at time of going to print.
