Heating, Plumbing and Electrics

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With this cover for plumbing, boiler, heating and electrical breakdowns, you can count on us to get things back up and running

£16
per month in your first year
Annual price : £192
Excess : £60
Your excess is the amount you’ll have to pay upfront each time you make a claim.
Your price will increase at renewal, but you’ll always receive a reminder. If you choose to continue into your second year, the expected price for customers who haven’t made a claim is £36.18£34.68 a month* (£434.16£416.16 for the year).

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This insurance is for

  • Homeowners whose properties are heated with natural gas
  • People who want cover for their home’s plumbing, gas boiler, central heating and electrics

What's covered

The main things you can claim for

  • No heating or hot water due to a boiler breakdown
  • Repairing the boiler controls and components
  • Repairing a leak within your central heating system
  • A leaking gas supply pipe.
  • Leaking pipes within your home
  • Blocked drains
  • Blockages to sinks and toilets
  • Leaks or blockages to your water supply pipe
  • Dripping or seized taps
  • Failed wiring
  • A breakdown of the fuse box
  • Broken light switches
  • Faults on the electric shower unit

What isn't covered

The main exclusions

  • The gas pipe leading into your meter
  • Guttering
  • Soakaways
  • Shared drains, or drains or pipes you're not responsible for
  • Mixer and digital showers
  • Household appliances.
Need a FREE Boiler Service? This cover is also available with a Boiler Service.

Let’s get started

  • First, check you're not covered elsewhere

    This is to make sure you're not paying for cover you don't need.
  • Check you're eligible - this cover is for homeowners only

    Protection for flats, apartments, mobile homes, park homes, business premises, council and housing association properties is not included in this policy.
  • Check you're eligible - this cover is for homeowners only

    Protection for houses, bungalows, mobile homes, park homes, business premises, council and housing association properties is not included in this policy.
  • Don't forget to read the policy documents

    It’s important that you read the Insurance Product Document and the Terms and Conditions before taking out the policy.

Frequently asked questions

  • Am I eligible for this insurance?

    • This insurance is only for homeowners.

      It doesn’t include protection for flats, apartments, mobile homes or park homes. Business premises and council and housing association properties cannot be covered.

      The boiler(s) at your home must have a power input of less than 70 KW/hr and be fired by natural gas (not LPG, electricity or oil), and gas supply pipes must be 35mm or less in diameter.

    • This insurance is only for homeowners.

      It doesn’t include protection for houses, bungalows, mobile homes or park homes. Business premises and council and housing association properties cannot be covered.

      The boiler(s) at your home must have a power input of less than 70 KW/hr and be fired by natural gas (not LPG, electricity or oil), and gas supply pipes must be 35mm or less in diameter.

  • What information will I need to buy this insurance?

    • To make buying your cover as simple as possible, please make sure you have the following information to hand:

      • Details of the house, bungalow or flat you want to cover
      • Details of how it is heated (for example, the make of your boiler)
      • A valid email address
      • The bank details of whoever will pay for the insurance.
  • What happens if I change my mind?

    • There is a cancellation period that begins at the same time as your cover. This is shown in your Policy Schedule as the Cancellation Period.

      If you cancel your cover during 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 your policy.

      See the terms and conditions of your policy for more information on cancellation.

  • When will I be able to make my first claim?

    • Once your policy is set up, there’ll be an initial 28 day exclusion period during which you will not be able to claim (with the exception of the gas boiler element, where your boiler must pass the boiler health check before HomeServe can progress any claim you might make).

      Take a look at the terms and conditions of your policy for full details.

  • When and how will I have to pay my excess?

    • You will have to pay £60 for each claim you make. We’ll need this payment before your claim can be progressed.

      We can only accept payment using the following cards: Mastercard, Visa, Visa Debit or Maestro.

      Please read the terms and conditions of your policy for full details.

  • What’s a boiler health check, and why does my boiler need one?

    • Your boiler will be given a health check within the first year you’re covered by HomeServe. This is an initial inspection during which a Gas Safe registered engineer will check your boiler to ensure it is safe and can be insured.

      Your boiler must pass this health check before any boiler insurance claims you make can be progressed.

      Your boiler health check must be booked or completed within your first 90 days as a HomeServe customer, and it’s easy to arrange your appointment online.

      If you move house, you must let us know so that we can organise for a boiler health check to be carried out at your new home. This will need to be done before any further insurance claims can be made.

  • What if I need a repair that isn’t covered by my insurance?

    • Don’t worry. HomeServe’s one off repairs team can help!

      We offer a range of fixed price services that will help keep your home running smoothly. All our repairs are carried out by HomeServe approved experts, and it’s simple and quick to book your repair online.

  • Are there types of gas heating systems this insurance won’t cover?

    • Yes. Homeowners whose properties are heated by dual purpose boilers, a warm air heating system, combination cylinders or thermal storage units are not eligible to buy this cover.

  • What if I suspect I have a gas leak?

    • If you think you have a gas leak, call the National Gas Emergency Service immediately on 0800 111 999.

  • Won’t my local water company help if there’s a problem with my supply pipe?

    • Your local water company may provide assistance if your external underground water supply pipe is leaking. Please contact them directly for details.

  • What happens if my boiler is beyond economical repair (BER)?

    • After the first six months of cover, or six months after you move home:

      • If the boiler is BER and under 7 years of age, we will replace it
      • If the boiler is over 7 years of age, we will source, replace and install a new boiler, but you will be required to pay for the installation costs.
  • What happens after I’ve had my cover for a year?

    • Your cover is set up so that it will automatically renew every year. This is to make the process of renewing easier and ensure your home has continuous cover. We’ll send you a reminder about 4 weeks before your cover is due to renew. This will confirm the price of your cover for the next year and prompt you to check that it still meets your needs.

      The price of your cover will increase at renewal. Customers about to renew their cover for a second year can expect to pay £36.18£34.68 a month (£434.16£416.16 for the year), provided they have made no claims.

      If you’d rather your cover didn’t automatically renew, you can cancel this feature when you apply. Alternatively, you can login or contact us to switch off automatic renewal at any time afterwards.

      If you decide you don’t want your cover to automatically renew, you’ll need to contact us each year to renew it yourself and organise payment.

  • Will I have to pay any extra fees or charges?

    • No. You only have to pay your insurance premium and - in the event you make a claim - your excess.

      Our prices include all fees and Insurance Premium Tax (IPT).

  • Who provides this insurance?

    • This cover is sold, arranged and administered by HomeServe and underwritten by Aviva Insurance Limited. Aviva Insurance Limited 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 as company number 2116. Its registered address is:

      Pitheavlis,
      Perth,
      Scotland
      PH2 0NH.

      HomeServe is an insurance intermediary and arranges and administers 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 for general insurance and credit broking activities, under firm reference number 312518.

      Our registered address is:

      Cable Drive,
      Walsall,
      West Midlands,
      WS2 7BN.

      HomeServe Membership Limited is registered in England as company number 2770612. Our VAT registration number is GB559669669.

      The regulatory status of Aviva Insurance Limited and HomeServe can be checked on the Financial Conduct Authority’s Financial Services Register.

  • Where can I find the product documents and terms and conditions that relate to my cover?

*Price includes any applicable Insurance Premium Tax and is subject to any inflation and tax rate changes.

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