Summary of Cover - HomeMinder Cover

Policy Summary

This Policy Summary is not the full Terms and Conditions.

See Terms & Conditions.

Summary of Cover

• Up to £500 including VAT per claim for domestic emergencies - to cover the cost of emergency repairs for call-out, labour, parts and materials made while you are on holiday, or during the first 24 hours of your return from holiday
• Up to £100 towards hotel accommodation - in the event that your home is uninhabitable overnight when you return from your holiday
• No limit to the number of claims you can make during your registered holiday periods
• Your nominated keyholder can make a claim on your behalf during your registered holiday periods
• We will repair one emergency per annum where the holiday period was not registered in advance
• Emergency claims team available 24 hours a day, 365 days a year.

Important Exclusions

• Claims must be reported via the 24 hour Emergency Claims number and must be authorised in advance (see Administration Terms and Conditions no. 9)
• We do not cover general day to day maintenance (see General Conditions no. 13)
• We do not cover homes not located on the mainland UK, Northern Ireland and the Isle of Wight (see Definitions no. 12)
• We do not cover loss or damage caused by failure of boilers or heating systems that have not been serviced within the preceding 12 months and those that are over 15 years old (see What is not covered no. 9)
• We do not cover mobile homes, bed-sits, properties in multiple occupancies and commercial premises. Flats, apartments and maisonettes are not eligible for cover (see Definitions no. 5)
• We do not cover the failure of your boiler or central heating system during the period May to August (see Definitions no. 6 iv)
• We do not cover properties that are not the principal permanent place of residence, and those where the property has remained unoccupied prior to commencement of holiday (see What is not covered no. 10 r)
• Business trips are excluded from cover (see Definitions no. 13)
• There is an 8 day exclusion period unless you register your holiday period which falls within this time (see What is covered no.6).

24-Hour Claims Number:

To make a claim please contact the 24-Hour Claims number. Please quote your policy number. 0800 408 1400

Admin Number:

To make any changes to your policy details please call: 0800 073 0951. Calls may be recorded and monitored for training purposes.

Period of Insurance:

12 months. Claims can only be made following an 8 day exclusion period (see Insurance Terms and Conditions 'What is not covered?' no. 8).

Type of Insurance and Cover:

HomeMinder Cover

Insurer:

The insurer of this policy is Inter Partner Assistance SA.

Cancellations:

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 14 days of the date you receive your policy documentation and any premium paid will be refunded in full. If you have registered a holiday period that falls within this 14 day period or you or your nominated keyholder have made a claim during this period you will be deemed to have used your Homeminder Cover and may be asked to refund any payment made by us. If after 14 days from the date you receive your policy documentation you tell us, either by telephone or in writing, that you wish to cancel your policy, you will not be entitled to a refund.

Complaints:

If you have a complaint please phone 0800 073 0951 or write to Freepost RLYC-LXAL-GEEH, Customer Relations Department, Homeserve, Walsall, WS2 7BN. We will do our best to resolve this to your satisfaction and give you information about referring your complaint to the Financial Ombudsman Service if you remain dissatisfied.

Compensation Scheme:

Inter Partner Assistance SA is covered by the Financial Services Compensation Scheme (FSCS). The FSCS is a safety net for customers if we are unable to meet our liabilities. You may be entitled to compensation in these circumstances depending on the details of any claim. If entitled to compensation you would be covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. Further information about the scheme arrangement is available from the FSCS.