Summary of Cover - Plumbing and Drainage Cover for Flats: England and Wales

This cover meets the needs of owners of flats who require insurance and expert assistance in the event of a plumbing or drainage emergency at their domestic property.

What is covered?

Emergency repairs to your internal plumbing and drains up to £1,000 per claim (inc. VAT), with up to 2 claims per policy period.

What is not covered?

• Non-emergencies
• central heating breakdowns
• maintenance e.g. replacing tap washers
• existing problems
• replacing tanks, cylinders, sanitary ware or radiators
• any problems which cannot be resolved from within the confines of your flat.

What is defined as an emergency?

An emergency is sudden and unforeseen damage to your plumbing or drains which immediately

1. exposes a risk to your health;
2. creates a risk of loss or damage to the property and any of your belongings forming part of, or normally contained within, the property; or
3. makes the building uninhabitable. An uncontrollable internal emergency is where you can't temporarily stop the incident from causing further immediate internal damage (i.e. by turning the water off or not using the facilities).

Who is eligible to apply?

All flat owners are eligible to apply, except where the flat is a bedsit, in multiple occupancy or used for commercial purposes. Council or Housing Association tenants will not need this service and private tenants are advised to check with their landlord before applying.

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 Plumbing and Drainage Cover?

The insurance policy is provided and underwritten by Inter Partner Assistance SA, The Quadrangle, 106 - 118 Station Road, Redhill, Surry, RH1 1PR, United Kingdom office, registered number FC008998. You will also have a separate service contract to arrange, administer and provide additional benefits in connection with your insurance policy with Homeserve Membership Ltd, Cable Drive, Walsall, WS2 7BN (Registered in England no. 2770612). The total cost of the product is £47.99 which is split between insurance policy (£42.99) and the service contract (£5). References to 'Plumbing and Drainage Cover for Flats in England and Wales' 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 £11.99 and 3 instalments of £12.00. Monthly payers will pay 1 instalment of £3.99 and 11 instalments of £4.00. 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, 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.