Summary of Cover - Plumbing and Drainage Cover for Flats: Scotland

This cover meets the needs of flat owners who require insurance and expert assistance in the event of a plumbing, drainage or water supply pipe 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 year. Emergency repairs for external cover - up to £2,000 per claim for communal drains and the water supply pipe outside the confines of the flat where there is shared responsibility, up to 2 claims per year.

What is not covered?

• Non-emergencies
• central heating breakdowns
• maintenance e.g. replacing tap washers
• existing problems
• replacing tanks, cylinders, sanitary ware or radiators
• guttering, downpipes and rainwater drains
• shared drains outside your property boundary
• external water supply pipe outside the boundaries of the flat complex.

Who is eligible to apply?

All flat owners are eligible to apply, unless the property is a mobile home, 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 for Flats in Scotland?

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 £5, and a separate contract with Inter Partner Assistance SA. The total price you pay of £54.99 is unaffected by these arrangements. References to 'Plumbing and Drainage Cover For Flats in Scotland' 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 £13.74 and 3 instalments of £13.75. Monthly payers will pay 1 instalment of £4.61 and 11 instalments of £4.58. Payment by any other method will be one annual payment.

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 fourteen day cancellation period), your policy will cease and you will not receive a refund of any premium paid.