Frequently asked questions

• Am I eligible for this insurance?

  • This insurance is only for householders. The benefit of the policy also extends to the policyholder's family and guests.

    Retail, commercial and other premises used for business are not eligible. The property must be your permanent private residence.

• 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:

    • Your address details
    • A valid email address
    • The bank details of whoever will pay for the insurance

• What if I'm already covered elsewhere?

  • You can take out Householders Accident Plan alongside other policies such as life insurance or personal accident insurance. However, you may be paying for cover that you already have elsewhere.

• What if I have a pre-existing medical condition?

  • The payable amount may be reduced by up to 50% in the event expert medical advice identifies a pre-existing medical condition that has contributed towards the accident.

    See the terms and conditions of your policy for more details.

• What happens if I change my mind?

  • There is a cancellation period that begins at the same time as your policy. 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 full 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 14 day exclusion period during which you will not be able to claim for any accident you, your family or guests may have.

• 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 you have 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 £5.85 a month (£70.20 for the year).

    If you’d rather your cover didn’t automatically renew, you can cancel this feature when you apply. Alternatively, you can log in 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.

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

• What is Inheritance Tax and how will it affect this insurance?

  • Inheritance Tax (IHT) is a tax on the estate (the property, money, assets and possessions) of the deceased person’s estate after all other debts and funeral expenses have been deducted. This policy may form part of the beneficiaries' estate for IHT purposes.

    No advice has been given in providing this policy. Should you require advice please refer to an independent financial adviser prior to applying.

• Who provides this insurance?

  • This cover is sold, arranged and administered by HomeServe and underwritten by West Bay Insurance PLC. West Bay Insurance PLC is regulated by the Gibraltar Financial Services Commission and subject to a limited regulation by the Financial Conduct Authority and the Prudential Regulation Authority in respect of underwriting business in the UK (No. 211787).

    West Bay Insurance PLC is registered in Gibraltar as company number 84085. Its registered address is:

    846-848,
    Europort,
    Gibraltar

    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 West Bay Insurance PLC 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?

  • The full terms and conditions of your policy, plus other important documents about your cover and HomeServe’s services, can be downloaded here.

    • Insurance Product Information Document
    • Terms and Conditions
    • About HomeServe’s services