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Electrical Emergency and Breakdown Cover
Don't let an electrical breakdown leave you in the dark. With Electrical Emergency and Breakdown Cover, arranged and administered by HomeServe and underwritten by Aviva Insurance Limited, we'll send an engineer to your home if you're without power.
Plus we'll even cover you for DIY accidents – so if you do damage your electrics by mistake you'll have access to a network of HomeServe approved tradesmen to help get things sorted.
- Electrical emergency and breakdown
While cover includes many things there are some exclusions. Please refer to the Policy Summary.
Who can buy Electrical Emergency and Breakdown Cover?
People who are
Landlords / tenants
People who live in
Houses, bungalows and flats
Mobile homes and bedsits
For full eligibility information please see 'Are you eligible to apply?' in the important information section below.
Frequently asked questions
How do I apply for this policy?
To apply for this policy, please click 'Apply online' or you can chat to us online.
To make the application process as smooth as possible, please make sure you have the following information to hand:
- Details of the property you want to cover
- A valid email address
- Credit / debit card or bank details (for direct debit payments)
How soon after purchasing can I make a claim?
This policy has an initial 14 day exclusion period within which you'll not be able to make a claim. Please see the policy documents for more details.
How do I make a claim?
First, check that your problem is covered by checking your policy documents.
If the incident or emergency is covered by your policy, please visit our claims page to find out how to register your claim or call 0800 923 8010.*
How does HomeServe vet its tradesmen?
We're careful to vet all HomeServe approved tradesmen. We do this by:
- Inspecting jobs upon completion
- Taking a copy of their Public Liability Certificate
- Validating their relevant trade certificates
- Getting them to agree to our Service Level Agreements and Key Performance Indicators
- Getting them to sign the HomeServe Health and Safety Statement.
Prices include all fees and Insurance Premium Tax (IPT).
Are you eligible to apply?
This policy is for homeowners only. Retail, commercial and other premises used for business are not eligible for this cover, and council and housing association tenants will not need this service. The property must be your permanent home and owned and solely occupied by you and your family as a private residence with no business use. Mobile homes, bedsits, sub-divided homes and let and sub-let properties are not covered.
Are you covered elsewhere?
You may be covered for electrical emergencies and breakdowns elsewhere. Please check the Terms and Conditions of any other policies you may hold, such as your home insurance, so you are not paying for cover you do not need.
What happens after the first year?
The price will increase at renewal. Currently customers in their second year are paying £61.44 for this policy provided they have made no claims. If you pay by Direct Debit or credit/debit card, excluding Maestro payments, your cover will automatically renew unless you tell HomeServe otherwise. If you choose any other method of payment you will be sent an invitation to renew prior to your renewal date.
Who provides this cover?
This policy is underwritten by Aviva Insurance Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Aviva Insurance Limited is registered in Scotland, company no. 2116 and the registered address is Pitheavlis, Perth, PH2 0NH.
This policy is sold, arranged and administered by HomeServe, which is a trading name of HomeServe Membership Limited, Cable Drive, Walsall, WS2 7BN (registered in England company no. 2770612) which is authorised and regulated by the Financial Conduct Authority (FCA) for insurance mediation activity under Financial Services Register number 312518. The regulatory status of Aviva Insurance Limited and HomeServe can be checked by visiting the FCA’s website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768.
*Calls may be recorded for quality control and training purposes. Calls to 0800/0808 numbers are free from landlines and mobile phones, and will not be taken from your mobile phone inclusive call minutes. Lines are open 8am to 8pm weekdays, 8am to 4pm Saturday and 10am to 4pm Sunday.