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HomeServe Cover 3

Help protect your home against a range of water-related problems with HomeServe Cover 3, arranged and administered by HomeServe and underwritten by Inter Partner Assistance SA.

With this policy, you can help protect your home against the cost and inconvenience of burst pipes, blocked drains and seized and dripping taps.

What's included?

Water supply pipe
Plumbing and drainage

While cover includes many things, there are some exclusions. Please refer to the Summary of Cover.

Who can buy HomeServe Cover 3?

People who are
Home owners

But not
Landlords / tenants

People who live in
Houses & bungalows

But not
Flats & mobile homes

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'.

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

What happens if you
change your mind?

If you're not happy with the policy or change your mind within 28 days, we'll happily refund your premium, provided no claims have been made.

Find out more about your 28 day cancellation rights.

28 day cancellation rights

Once your policy has started, it may be cancelled for any reason, at any time, by the named policyholder(s) or an authorised representative either by writing to or calling HomeServe.

If you cancel within the initial 28 day cancellation period (which includes the statutory 14 days) you will receive a full refund of any premiums paid, providing no claims have been made. If you cancel after this and no claims have been made, you will receive a proportionate refund of any premium paid.

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, and council and housing association tenants will not need this service. The property must be your permanent private residence and owned and solely occupied by you and your family with no business use. Flats, maisonettes, mobile homes, bedsits, sub-divided homes and let and sub let properties are not covered.

Are you covered elsewhere?
Homeowners should check if their existing home insurance or other policies provide cover, expert assistance and repairs in the event of the domestic emergencies and incidents covered by this policy so you are not paying for cover you do not need.

What happens after the first year?
The price may increase at renewal. Currently customers in their second year are paying £90 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 HomeServe Cover 3' in the Summary of Cover.

For your information
As a homeowner you are generally responsible for the water supply pipe from where it enters your home up to the stop tap, which could be inside, or in some instances, outside your property boundary line. If your water pipe suffers a leak or burst, which may result in you being without water, it is generally your responsibility as the property owner to sort it out. This responsibility may be shared with neighbouring properties.