You can never predict if a problem will happen at home, but with Plumbing, Heating and Electrics insurance, you can be prepared if it does. Whether your boiler breaks down, you have a blocked drain or experience trouble with your home's electrical wiring, you can count on our approved engineers to get things up and running again. We'll even give you a FREE Boiler Service in year 1.
Please see Product documents including Terms and Conditions for more details.
Before you apply for cover for your house or flat, we just need to check a few things…
If you’ve answered ‘yes’ to all of the above, then it sounds like your requirements are of a homeowner looking for plumbing, gas boiler, central heating and electrics cover.
per month in the first year for new customers only.
Boiler excess: £100
Non-boiler excess: £30
Annual price: £204
The price will increase at renewal. Customers in their second year are currently paying £37.50 per month, £450 for the year (which includes the cost of the boiler service), provided they have made no claims.
or call 0330 0247 018**
Your excess is the amount that you’ll pay upfront each time you make a claim. The higher your excess, the cheaper your monthly premium.
All non-boiler claims have a set, low excess of £30.
For full eligibility information please see the Important Information
Plumbing, Heating and Electrics with Service meets the needs of homeowners requiring assistance in the event of certain plumbing, drainage, electrics and gas central heating problems at the property.
This cover is sold, arranged and administered by HomeServe and underwritten by Aviva Insurance Limited.
Prices include all fees and Insurance Premium Tax (IPT).
Are you covered elsewhere?
Check that you're not already covered by your home insurance or other policies, so you are not paying for cover you don't need.
Are you eligible to apply?
This cover 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. Mobile homes, bedsits, sub-divided homes and let and sub-let properties are not covered.
The boiler at your property must have a power input of less than 70 KW/hr and be fired by natural gas (and not LPG, electric or oil).
How long after purchasing do I need to wait before I can make a claim?
There's an initial 28 day exclusion period within which you'll not be able to make a claim (with the exception of the gas boiler element), where your boiler must pass the boiler health check before we can progress any claims). Please see the agreement documents for more details.
What is my excess and how do I pay?
You will have to pay £100 for any boiler claim or £30 for any non-boiler claim you make. We can only accept payment using the following cards: MasterCard, Maestro, Visa or Visa Delta. A separate excess payment is required for each claim you make. Please see the agreement Terms and Conditions for further details.
What happens after the first year?
The price will increase at renewal. Customers in their second year are currently paying £37.50 per month, £450 for the year (which includes the cost of the boiler service), provided they have made no claims. Your cover will automatically renew unless you tell HomeServe otherwise.
What happens if you change your mind?
There is a Cancellation Period which begins from the start of your agreement and is shown on your Agreement Schedule (“the Cancellation Period”)
If you cancel in the Cancellation Period and have not made a claim you will receive a full refund. If you have made a claim, you will receive a refund less an amount for the number of days which you have been on cover.
If you cancel after the Cancellation Period and have not made a claim you will receive a refund less an amount for the number of days you have been on cover. If you have made a claim you will be required to pay any remaining payments due for the term of the agreement.
Please see the Terms and Conditions for full cancellation information.
Is there product specific information I need to be aware of:
Who provides this cover?
This cover is underwritten by Aviva Insurance Limited who 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.
HomeServe is an insurance intermediary and arrange and administer the cover on behalf of the underwriter. HomeServe is a trading name of HomeServe Membership Limited, which is authorised and regulated by the Financial Conduct Authority (FCA) for general insurance and credit broking activities, under firm reference number 312518. Our registered address is: Cable Drive, Walsall, WS2 7BN. Registered in England as company number 2770612, VAT registration number GB559669669. The regulatory status of Aviva Insurance Limited and HomeServe can be checked on the Financial Services Register by visiting the FCA’s website http://www.fca.org.uk/register.
*The price of a Boiler Service is shown as FREE when compared to the equivalent cover without service.
For new customers, your Boiler Service will usually take place within the first 90 days from taking out the cover. From then on, boiler services are generally completed between April and September.
The Boiler Service included with this cover is FREE in the first year only, upon renewal the Boiler Service is chargeable and will be included as standard in the total cost of the cover. Please refer to 'What happens after the first year' under Important Information.
What do I need to apply?
To make the application process as smooth as possible, please make sure you have the following information to hand:
How do we vet our approved tradespeople?
We're careful to vet all HomeServe approved tradespeople. We do this by:
** Calls may be recorded for quality control and training purposes. Calls to 03 numbers will cost you no more than 01 or 02 numbers, charges may vary depending on your network provider. Calls to 03 numbers will be part of inclusive minute plans for landlines and mobiles. Lines are open 8am to 8pm weekdays, 8am to 4pm Saturday and 10am to 4pm Sunday.