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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 Inter Partner Assistance SA, 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.
What's included?
- Electrical emergency and breakdown
While cover includes many things there are some exclusions, such as non-permanent wiring. Please refer to the Sunmmary of Cover.
Who can buy Electrical Emergency and Breakdown Cover?
People who are
Home owners
But not
Landlords / tenants
People who live in
Houses, bungalows & flats
But not
Mobile homes & 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 call 0800 923 8010* and speak to a HomeServe agent.
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 will 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 do you vet your tradesmen?
We're careful to vet all HomeServe approved tradesman. 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, Key Performance Indicators, expected work
- Getting them to sign the HomeServe Health and Safety statement
Important information
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 £54 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 Inter Partner Assistance SA (IPA), which is the retained underwriting company fully owned by the AXA Assistance Group. IPA is a Belgian firm of Avenue Louise, 166 bte1, 1050, Brussels, which has a UK branch office regulated by the Financial Services Authority (FSA) (FSA register number 202664). IPA's registered UK address is The Quadrangle, 106-118 Station Road, Redhill, Surrey, RH1 1PR (company number FC008998).
The policy is arranged and administered for you by HomeServe which is a trading name of HomeServe Membership Limited, Cable Drive, Walsall, WS2 7BN (registered in England under company number 2770612).
HomeServe Membership Ltd is authorised and regulated by the Financial Services Authority (registered number 312518), this can be checked on the FSA's Register by visiting the website www.FSA.gov.uk/register/home.do or by telephoning them on 0845 606 1234.
Please refer to 'Who provides Electrical and Emergency Breakdown Cover' in the Summary of Cover.
*Calls may be recorded for quality control and training purposes. Lines are open 8am to 8pm weekdays, 8am to 4pm Saturday and 10am to 4pm Sunday.