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HomeServe Cover8
HomeServe Cover Reviews

Reviews completed by customers who've used their combined cover policy

HomeServe Cover 8

  Defaqto Homeserve Cover 8

Defaqto 5 Star rated HomeServe Cover 8 can cover your home for problems with your gas central heating and a range of plumbing, electrical wiring, security and pest problems.

You can help protect yourself from the cost of dealing with a boiler breakdown, burst water pipes, blocked sinks and drains, seized and dripping taps, electrical wiring damage, securing your property and rats, mice, wasp and hornet infestations.

When things go wrong, a HomeServe approved engineer will be there to help get things sorted.

This policy is sold, arranged and administered by HomeServe and underwritten by Inter Partner Assistance SA.

To read more about the benefits of this cover being rated 5 Stars from Defaqto, please click here.

Please note: This policy does not include a boiler service. If you would like to take advantage of our free boiler service offer please click here

HomeServe Cover 3 DiagramSecurity iconProtect a damaged roof by using covering with tarpaulinPest infestation iconWasps/hornets nests in the gardenSecurity iconProtect a damaged roof by using covering with tarpaulinPest infestation iconBlack/brown rats or mice inside the property and attached garages/buildingsPlumbing and drainage icon.Internal water pipework - leaks and blockagesPlumbing and drainage icon.Repair/replace water tank (including overflows)Pest infestation iconWasps/hornets nests inside the propertySecurity iconBoarding up windows and doors (those which secure the property)Electrical emergency breakdown iconFailed light switch & wiringElectrical emergency breakdown iconFailed light switch & wiringElectrical emergency breakdown iconFailed light sockets & wiring (not including bulb replacements)Electrical emergency breakdown iconFailed permanent wiring to shower (NOT the shower unit itself)Security iconBoarding up windows and doors (those which secure the property)Gas central heating iconRepair/replace hot water cylinder (not immersion heater)Plumbing maintenance iconToilet - blockages, leaking, not-flushing, overflows leakingPlumbing maintenance iconTap repairs (for example seized taps, dripping taps, loose taps) and leaks in pipework leading to tapsPlumbing maintenance iconTap repairs (for example seized taps, dripping taps, loose taps) and leaks in pipework leading to tapsElectrical emergency breakdown iconRepair wiring to permanent security lighting attached to the buildingElectrical emergency breakdown iconRepair /replace broken fuseboxPlumbing and drainage icon.Internal drainage - leaks and blockages to waste pipesSecurity iconBroken locks, snapped keys in locks, creating access if locked outGas central heating iconRepairs to the boiler (so long as we can find parts) - if BER replace if it is under 7 years old, or pay £200 if not.Tooltip tick iconSeized or leaking stop tapGas supply pipe iconInternal gas supply pipe (including hose to cookers (not the gas appliance))Water supply pipe iconLeaking/Blocked underground water supply pipeWater supply pipe iconLeaking/Blocked underground water supply pipeWater supply pipe iconLeaking/Blocked underground water supply pipePlumbing and drainage icon.External Drains (including rainwater drains)Plumbing and drainage icon.External Drains (including rainwater drains)Pest infestation iconWasps/hornets nests in the gardenPest infestation iconWasps/hornets nests in the garden

What's included?

  • Water supply pipetick
  • Plumbing and drainstick
  • Electrical wiringtick
  • Pest infestationstick
  • Security and roofing incidentstick
  • Internal gas supply pipetick
  • Gas central heating breakdowntick

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

Who can buy HomeServe Cover 8?


People who are
Homeowners tick

But not
Landlords / tenants cross


People who live in
Houses and bungalows tick

But not
Flats and mobile homes cross


Homes heated with
Natural Gas tick

But not
Electric heating cross

For full eligibility information please see 'Are you eligible to apply?' in the important information section below.

What our customers say

Combined Cover reviews verified by Reevoo

(8.7 out of 10)
Communication with claims team
Ease of arranging an appointment
Professionalism and friendliness of the staff
Communication of claims progress
Quality of engineers repairs
The timeliness of the engineer
Value for money
Overall rating
Scores 8.7 out of 10 based on 2194 reviews
Reviews and scores from the last 12 months.
(10 out of 10)

Confirmed purchaser

Barnsley GB
Any problems are always dealt with quickly . Staff are always friendly and do their job efficiently.
Nothing at all.
Confirmed purchase: 05 August 2015
Published on: 01 September 2015
(7 out of 10)


Hucknall, Nottingham GB
Friendliness and punctuality
Engineer seemed unfamiliar with boiler, which needed repressurising, and called on a colleague for assistance. Was not fully equipped for repair and had to locate additional equipment.
Confirmed purchase: 12 August 2015
Published on: 01 September 2015
(10 out of 10)

A & K

Northolt Middlesex GB
Everyone was very polite and helpful
Confirmed purchase: 09 August 2015
Published on: 31 August 2015

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
  • Type of heating
  • Your boiler make
  • 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.

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.

The boiler at your property must have a power output of less than 60 KW/hr and be fired by natural gas (and not LPG, electric or oil). Your property must not be heated by dual purpose boilers, a warm air heating system, combination and unvented cylinders or thermal storage units.

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 will increase at renewal. Currently customers in their second year are paying £240.00 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 fully owned by the AXA Assistance Group. Inter Partner Assistance SA is a Belgian firm authorised by the National Bank of Belgium and subject to limited regulation by the Financial Conduct Authority. Details about the extent of its regulation by the Financial Conduct Authority are available from us on request. Inter Partner Assistance SA's Financial Services Register Number is 202664. IPA’s registered UK address is The Quadrangle, 106 - 118 Station Road, Redhill, Surrey, RH1 1PR (registered company number FC008998).

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 IPA 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 (call rates may vary).

Please refer to 'Who provides this policy?' in the Policy Summary.

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.

*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.

Please note, your local authority may provide a pest control service to its residents. Please contact them directly for details.

If you suffer a gas leak, you should first call the National Gas Emergency Service immediately on 0800 111 999.