Landlord's Combined Cover for Flats with Gas Central Heating

Comprehensive cover for your rental property

With Landlord's Combined Cover for Flats with Gas Central Heating, you can help protect yourself from the cost of dealing with a breakdown of the gas heating, as well as unexpected plumbing, drainage, electrical wiring and security incidents.

This product does not include a gas safety inspection or boiler service. Choose to add a gas safety inspection and boiler service, free in the first year.

Click here if your rental property is a house.

If you'd like to look at cover for different areas of your home, why not take a look at the range here.

What's covered?

Natural gas central heating breakdowns
Plumbing and drainage inside the home
Dripping taps and toilet/tank overflows
Electrical wiring
Replacing lost keys and repairing broken locks for doors which secure your home
No limit to the number of claims, and up to £4,000 per claim, except for gas central heating, where the claim value limit is up to the point the boiler is beyond economical repair (BER)

Please see Product documents including T&C's for more details.

Main exclusions are:

External drains
Household appliances
Repairs or a replacement of your gas supply pipe
Showers
Roofing

To apply

£23.00
per month in the first year.

With £60 excess. Annual price £276.00.

The price will be different for existing and returning customers. The price will increase at renewal. Currently customers in their second year are paying £24.10 a month, £289.20 for the year for this policy, provided they have made no claims.

Apply after reading Important Information and Product Documents below

Apply now

or call 0330 0247 006**

Why trust HomeServe?

24/7 claims line, 365 days a year
Access to our network of approved engineers
Over 20 years' experience taking care of UK homes, with over 635,000 claims responded to in 2017*
12 month's guarantee on most repairs

*HomeServe Claims Data 2017

Who can buy this product

People who are landlords
Owner-occupiers / tenants
Landlords who let/own flats and apartments
Houses or bungalows
Homes heated with natural gas
Homes heated by electric heating

For full eligibility information please see the Important Information

Important Information

Landlord's Combined Cover for Flats with Gas Central Heating meets the needs of landlords requiring assistance in the event of a problem with the internal plumbing and drainage, electrical wiring, security or central heating at their tenanted property. This policy also includes a landlords gas safety check and gas boiler service.

This policy 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?

Landlords 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.

Are you eligible to apply?

This policy is for landlords only. Retail, commercial and other premises used for business are not eligible, and council and housing association tenants will not need this service. Houses, bungalows, mobile homes, bedsits, sub-divided homes 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).

How long after purchasing do I need to wait before I can make a claim?

This policy has an initial 28 day exclusion period within which you'll not be able to make a claim. Please see the product documents for more details.

What is my excess and how do I pay?

You will have to pay the first £60 of any claim. This payment must be made before an engineer is deployed. It is the landlord's responsibility to pay the excess, however, we will accept payment from the tenant in order to allow the claim to proceed.

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 policy Terms and Conditions for further details.

What happens after the first year?

The price will increase at renewal. Currently customers in their second year are paying £24.10 a month, £289.20 for the year for this policy, 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 policy and is shown on your Policy 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 policy.

Please see Terms & Conditions for full cancellation information.

Is there product specific information I need to be aware of:

Gas: Your property must not be heated by dual purpose boilers, a warm air heating system, combination and unvented cylinders or thermal storage units. If you suffer a gas leak, you should first call the National Gas Emergency Service immediately on 0800 111 999.

Who provides this cover?

This policy is underwritten by Aviva Insurance Limited which 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 policy on behalf of the underwriter. HomeServe, which is a trading name of HomeServe Membership Limited, Cable Drive, Walsall, WS2 7BN (registered in England company no. 2770612, VAT registration no. GB559669669) which is authorised and regulated by the Financial Conduct Authority (FCA) for general insurance activity under firm reference number 312518. 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.

Product Documents including T&Cs

FAQs

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:

Details of the rental property you want to cover
A correspondence address (different to your rental property)
A valid email address
Type of heating
Bank details

How do we vet our approved tradespeople?

We're careful to vet all HomeServe approved tradespeople. We do this by:

Inspecting jobs upon completion
Taking a copy of their Public Liability Certificate
Validating their relevant trade certificates
Ensuring they comply with our service levels
Getting them to sign the HomeServe Health and Safety Statement

Other information

** 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.