Kitchen Appliance Protection

APPLIES TO ALL COVER

You have entered into a contract of insurance with Inter Partner Assistance SA and a separate contract with HomeServe to arrange and administer the policy. This document represents the entire agreements of the parties on the matters in question, which will be subject to English Law, and the parties submit to the non-exclusive jurisdiction of the English Courts.

Please read this document carefully, we do not wish you to discover after an incident has occurred that you are not insured. If you have any queries, please call HomeServe on 0800 783 0951.

DEFINITIONS RELATING TO THE INSURANCE AND ADMINISTRATION TERMS AND CONDITIONS

Certain words within your terms and conditions or your Policy summary have a particular meaning, shown below. Each time we use one of these words it will have the same meaning:

1. You/your: The permanent occupier of the property as recorded on your policy documents and your spouse/partner and family who live with you.
2. Inter Partner Assistance SA: Inter Partner Assistance SA, The Quadrangle, 106-118 Station Road, Redhill, Surrey, RH1 1PR, United Kingdom. Registered No. FC008998.
3. HomeServe/our/us/we: HomeServe Membership Ltd, Cable Drive, Walsall, WS2 7BN, registered in England no. 2770612.
4. Property: The private dwelling, garage and domestic outbuildings all within the property boundary at the address shown on your policy documentation. It must be your main place of residence and solely occupied by you and your family as a private residence with no business use. Private flats and maisonettes, privately rented accommodation and council and housing association tenants are eligible for Kitchen Appliance Cover. However, mobile homes, let and sub-let properties are not covered.
5. Kitchen Appliance(s): The item(s) owned by you and detailed under "KITCHEN APPLIANCE(S) COVERED" on your insurance schedule, which will include cookers (excluding heat storage cookers e.g. AGA, Rayburn), cooker hoods, dishwashers, freezers, hobs, ovens, refrigerators, refrigerator-freezers (including American style), tumble dryers, microwaves, washer dryers and washing machines.
6. Breakdown: a breakdown of your kitchen appliance(s) caused by any sudden and unforeseen accident, mechanical breakdown and/or electrical breakdown as a direct result of faulty materials or workmanship, which renders the appliance(s) inoperable.
7. Engineer - for any gas fuelled appliances an approved CORGI registered engineer/ for all other appliances an approved repairer.
8. Beyond Repair - The point at which we estimate that the cost to repair your kitchen appliance(s) exceeds 85% of our supplier's retail selling price of a similar make and model or where spare parts to repair the kitchen appliance(s) cannot be obtained.
9. Exclusion period: To prevent claims on pre-existing problems (and therefore to reduce premiums), in your first year of cover, there is an initial 28 day period when you are not covered. The date from which you are able to make a claim is shown on your Policy summary under 'period of insurance'. Providing you renew before the expiry of your policy, the exclusion period does not apply after your first year of cover.

COST OF COVER

1. The cost of cover is the total amount you pay as detailed in your policy documentation, which consists of the arrangement and administration fee as per the table below and the premium. The arrangement and administration fee is the amount you pay for arranging and administering the cover, and the premium is the amount you pay for the insurance contract. These arrangements do not affect the amount that you pay for your cover or the service that you receive. References to 'Kitchen Appliance Cover' and 'Cover' in all documents include services within both contracts.

   Appliances	Arrangement and Administration fee:
   1 appliance	£4.00
   2 appliances	£10.00
   3 appliances	£15.00
   4 appliances	£21.00
   5 appliances	£27.00
   6 appliances	£32.00
   7 appliances	£36.00
   8 appliances	£41.00
   9 appliances	£47.00

2. Your policy premium will be reviewed upon renewal. Any claims made will also be considered within the review. Any amendments to the policy premium will be confirmed on your Policy Summary approximately 28 days before the expiry of your cover.

ADMINISTRATION TERMS AND CONDITIONS

This cover is arranged and administered for you by HomeServe.

1. HomeServe will arrange and administer your insurance cover and agree service standards for the delivery of the cover provided by the insurance. If the insurance does not provide the cover you need, you should return your Policy summary to HomeServe at the FREEPOST address shown below (see number 7) within 28 days of the policy start date and your premium will be refunded in full, provided no claim has been made. Please note that your statutory cancellation rights, which run for 14 days (and begin at the start of the exclusion period (if applicable - see 'Definitions' point 9), are included within this 28 day period).
2. The minimum period for which you may hold this policy is 12 months. HomeServe will arrange for collection of policy premiums in accordance with your instructions. If you fail to make a payment on the due date, your policy will be suspended immediately and during this period you will not be covered. HomeServe will notify you in writing within 5 working days if you fail to make a payment. If you do not pay in full within 30 days of the due date, your policy will be cancelled. Any outstanding payments will be requested and upon receipt of cleared funds your cover will restart.
3. HomeServe reserve the right to cancel this policy by giving you at least 7 days notice at your last known address. If HomeServe cancel the policy, HomeServe will refund your premium for the remainder of the current policy period shown on your Policy summary, unless a claim has been made.
4. HomeServe will contact you in writing before your policy expires to arrange renewal of your policy. HomeServe reserve the right to refuse renewal of any individual HomeServe policy.
5. You are responsible for informing HomeServe of a change of your address, so that cover can be transferred to your new property. Please phone 0800 783 0951 to advise HomeServe of your new address or write to the FREEPOST address shown below (see number 7).
6. You are responsible for informing HomeServe if you change any of the kitchen appliance(s) covered by your policy (such as but not limited to replacing an appliance with a new model, or if you decide to substitute one appliance for another on your policy.) These kitchen appliance(s) will then be subject to a 28 day exclusion period during which we will not accept any claims on them. This includes any increase or decrease in the number of kitchen appliance(s) covered by your policy. If you purchase a new kitchen appliance you should be aware that it is likely to have the benefit of a guarantee that provides some protection that overlaps with the benefits we provide you under this policy. You should consider therefore whether to cancel our policy in respect of that kitchen appliance. Please phone 0800 783 0951 to advise HomeServe of any changes to your kitchen appliance(s) and to ascertain whether your cover is still relevant. Alternatively, you can write to the FREEPOST address shown below (see number 7).
7. You can increase or decrease the number of kitchen appliance(s) covered by your policy. If you add or remove kitchen appliances from your policy, we may amend the premium you pay. We will notify you of the change to the premium payable when you contact us. If you have claimed on a kitchen appliance that you wish to remove from your policy, we will not refund any element of the premium you have paid that relates to that kitchen appliance(s). To increase or decrease the number of kitchen appliances on your policy, please phone HomeServe on 0800 783 0951 or write to FREEPOST RLYC-LXAL-GEEH, Customer Relations Department, HomeServe, Walsall, WS2 7BN.
8. If you have a complaint, please phone 0800 783 0951 or write to Freepost RLYC-LXAl-GEEH, Customer Relations Department, HomeServe, Walsall, WS2 7BN. In the unlikely event that you are not satisfied with the response from HomeServe, you can ask us for details of the Financial Ombudsman Service (FOS).

INSURANCE TERMS AND CONDITIONS

The insurance is underwritten by Inter Partner Assistance SA who are a wholly owned subsidiary of AXA Assistance SA and part of the worldwide AXA Group.

Inter Partner Assistance SA is authorised by the Commission Bancaire, Financière et des Assurances (CBFA) (their regulatory arm) in Belgium and regulated by the Financial Services Authority (FSA) here in the UK.

WHAT IS COVERED?

1. If you suffer a breakdown of your kitchen appliance(s) at the property, you should call us on the 24 hour claims number on your policy summary. We will then:
   1. Organise and pay on your behalf for the call-out, labour, parts, materials and VAT involved in repairing or remedying the breakdown of the kitchen appliance(s). In addition Inter Partner Assistance SA will cover the inlet and outlet pipes (including the physical connection to the water supply or drainage pipe) on all plumbed appliances and the electrical and direct wiring to the mains on all electrical appliances. Inter Partner Assistance SA will cover the cost of call-out if no fault is found or if an intermittent fault is found with your kitchen appliance(s). However, we will not cover costs incurred where you have been advised to carry out repair work to avoid repetitive breakdown situations.
   2. In the event that a part needs to be ordered to rectify the breakdown we will try to source this part as quickly as we can.
   3. In the event that your kitchen appliance(s) is/are found to be beyond repair and is/are under 8 years old, Inter Partner Assistance SA will provide a replacement of a same or similar make and model of same or better functionality, which we will source, in full and final settlement of your claim. We will provide you with details of the replacement kitchen appliance(s) prior to installation. We will then organise and pay on your behalf for the delivery, call-out and installation of the replacement kitchen appliance, (excluding installation for integrated appliances, cooker hoods and hobs) and for the disposal of the original kitchen appliance(s). Installation of integrated appliances, cooker hoods and hobs is subject to an additional fee. You will also have an option to upgrade your kitchen appliance(s) for an additional fee.
   4. Where your kitchen appliance(s) is found to be beyond repair and is over 8 years old at the time of claim, we will contribute 20% towards the retail selling price of a replacement of a same or similar make and model of same or better functionality in full and final settlement of your claim, provided that we source the replacement product. If you do not wish us to source the replacement product, then we reserve the right not to make any contribution, or to make a contribution that is less than 20%. We will determine the amount we contribute. If you do allow us to source the replacement, you will have an option to upgrade your replacement kitchen appliance(s) for an additional fee. For an additional fee we will also deliver and install your replacement appliance and dispose of your old appliance.
   5. Where the kitchen appliance(s) needs to be replaced, the age of the appliance will be clarified by you providing a receipt of purchase to the engineer. Where this is not available the age will be verified by the serial number and the purchase date agreed with the engineer.
2. There is no limit to the number of claims you can make under Kitchen Appliance Protection during the period of insurance stated on your Policy Summary.
3. We will contact you once you have reported a claim in order to arrange a mutually convenient time for an engineer to visit your property and repair or remedy your kitchen appliance(s).

Period of cover:

1. Your insurance cover for your kitchen appliance(s) will commence from the date shown on your Policy Summary. Your policy holds a 28 day exclusion period for any kitchen appliance(s) covered by your policy. During this period, you are unable to make a claim.
2. Your insurance terminates as soon as any of the following alternatives occur:
   1. the expiry date, as shown on your insurance schedule, is reached;
   2. you, or anyone representing you, defrauds or deliberately misleads us;
   3. the premium for this insurance cover is not paid;
   4. you modify your kitchen appliance(s); or
   5. when the insurance premium has been refunded;
   6. where all your kitchen appliances have either been replaced or settled by cash.

General Conditions:

1. This cover is only available for kitchen appliance(s) which are less than 15 years old at the date of commencement of cover. Once an appliance is protected, cover for that appliance can be renewed annually until such time as you make a claim for that appliance and it is deemed beyond repair (see 'What is Covered?').
2. Your kitchen appliance(s) must be in good working order before you entered into this policy. Cover is for domestic appliances only. Commercial appliances (defined as those makes and models of appliance which are designed for and used predominantly in commercial premises) are not eligible for cover.
3. Claims must be made via the 24 hour claims number by you or a person calling on your behalf at the time of the breakdown. We will not cover the costs of work carried out by contractors not authorised by us in advance. Any gas leaks MUST in the first instance be reported to the National Gas Emergency Service on 0800 111 999.
4. In order for us to verify your cover, when calling, please have your policy number ready to quote. The approved engineer may also ask you to produce your Policy summary when they arrive at your property.
5. This policy is only for individuals who own their kitchen appliance(s). Retail, commercial and other premises used for business are not eligible for this cover.
6. If any loss, damage or expense covered under this policy is also covered by any other insurance or maintenance contract, you must provide us with full details of the other contract. Inter Partner Assistance SA will not pay more than their fair share (rateable proportion) of any claim.
7. You must co-operate with us in obtaining reimbursement of any costs Inter Partner Assistance SA incur under the terms of this cover, which may have been caused by the action of a third party, against whom you have a legal right of action.
8. We may change any of the terms upon which we provide this insurance to you, including the underwriting risks, the level of cover, or any other term whatsoever. Where this change benefits you, we will make the change immediately and notify you of the change within 28 days. In all other cases we will write to advise you of the change at least 28 days prior to any change taking effect.
9. You are responsible for taking reasonable care of your kitchen appliance(s) and for ensuring that it is/these are maintained in accordance with the manufacturer's instructions. If you fail to do so your claim may be rejected.
10. You can choose to cover up to 9 kitchen appliance(s) on any one policy.

WHAT IS NOT COVERED?

1. Inter Partner Assistance SA provides the services and benefits described in these terms and conditions for the period of insurance shown on your Policy summary. But there are conditions and exclusions, which limit your cover. Please read them carefully to ensure this policy meets your needs.

EXCLUSIONS

1. The following are excluded from cover:
   1. any damage to your kitchen appliance(s) as a result of fire, heat, lightning, explosion, earthquake, storm, flood, frost, burst pipes, water damage, theft or attempted theft, loss, malicious damage, rust, corrosion, civil disorder, war, nuclear radiation, animals, insects or vermin;
   2. breakdown if caused by:
      1. the action of sunlight, wind, sand, weather or corrosion;
      2. the fitting of any accessory to your kitchen appliance(s);
      3. routine servicing, inspection, cleaning or maintenance of your kitchen appliance(s);
      4. you failing to follow the manufacturer's instructions for using your kitchen appliance(s);
      5. ingress of foreign objects into your kitchen appliance(s);
      6. general wear and tear consistent with age and usage, or gradual deterioration of performance; or
      7. software.
   3. Repairs which have not been authorised by us;
   4. installation of replacement integrated appliances, cooker hoods and hobs. This is available for an additional fee
   5. your kitchen appliance(s) where it is subject to a manufacturer's recall;
   6. any kitchen appliance(s) that was not in good working order when you entered into the policy;
   7. where the kitchen appliance(s) has the benefit of a manufacturer's guarantee, defects first discovered before the expiry of the manufacturer's guarantee;
   8. damage caused deliberately by any person (including any child);
   9. use of your kitchen appliance(s) outside the United Kingdom, Northern Ireland and the Isle of Man;
   10. the replacement of any consumable parts, such as, but not limited to, batteries or light bulbs;
   11. heat storage cookers (e.g. Aga, Rayburn);
   12. gas connection pipes;
   13. commercial appliances;
   14. use of your kitchen appliance(s) for business purposes or kitchen appliance(s) that are in residential premises, which you let or sublet.
   15. any event arising from circumstances known to you before the insurance began;
   16. costs incurred where you have been advised of the need to carry out permanent repair work to avoid repetitive situations leading to a breakdown;
   17. any defect, damage or breakdown caused through malicious or wilful action, negligence, misuse or third party interference including any attempted repair or modification to the kitchen appliance(s), which does not comply with recognised industry standards;
   18. any liability for consequential loss, whether as a result of a defect or malfunction of the kitchen appliance(s) or arising from any goods, services, arrangements or advice provided by us or any agents acting on our behalf, unless through our or their negligence;
   19. damage caused to the property and/or its contents whilst completing a repair will not be reinstated to the original condition. The engineer will advise if any damage is likely to occur;
   20. like for like replacements of parts if an exact match is not available, unless an alternative is supplied by you at the time of our engineer's visit;
   21. any additional costs that are not associated with a claim made under this insurance policy;
   22. any items where the replacement is only necessary as a result of changes in legislation or health and safety guidelines;
   23. any loss or damage arising as a consequence of:
       1. war, invasion, act of foreign enemies, terrorism, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection, coup, riot or civil disturbance;
       2. ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel, the radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or its nuclear component.

Inter Partner Assistance - A promise of service

We wish to provide you with a very high standard of service. Very occasionally we receive complaints, which we investigate at once, and every effort is made to resolve them to your satisfaction.

If you have a complaint please phone HomeServe on 0800 783 0951 or write to FREEPOST RLYC-LXAL-GEEH, Customer Relations Department, HomeServe, Cable Drive, Walsall, WS2 7BN. If your complaint relates to the service you experienced as a result of a claim, and you feel that the matter has not been resolved satisfactorily, you may escalate your complaint to the General Manager of Inter Partner Assistance SA, The Quadrangle, 106-118 Station Road, Redhill, Surrey, RH1 1PR. In the unlikely event that you are not satisfied with the response from Inter Partner Assistance SA, you can ask us for details of the Financial Ombudsman Service (FOS).

Insolvency Compensation Scheme

In the event of insolvency HomeServe and Inter Partner Assistance SA are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if, through insolvency, HomeServe or Inter Partner Assistance SA cannot meet their obligations. This depends on the type of business and the circumstances of the claim, although 100% is payable for compulsory Insurances. Further information about compensation arrangements is available from the Financial Services Compensation Scheme on 020 7892 7300.

DATA PROTECTION ACT

For the purposes of the Data Protection Act 1998 the Data Controller in relation to any personal data you supply is Homeserve Membership Limited. Homeserve Membership Limited is a wholly owned subsidiary of Homeserve Plc. The Homeserve group of companies may use your data to keep you informed by post, telephone or other means, of any products or services which may be of interest to you. If you do not wish to receive information from us please write to the Data Protection Officer. With limited exceptions and on payment of an administration fee, you have the right to access and if necessary rectify information help about you, if you wish to make such an inspection, please write to us.