What isn't covered
Am I eligible for this insurance?
This insurance is only for landlords.
It doesn’t include protection for flats, apartments, mobile homes or park homes. Business premises and council and housing association properties cannot be covered.
This insurance is only for landlords.
It doesn’t include protection for houses, bungalows, mobile homes or park homes. Business premises and council and housing association properties cannot be covered.
What information will I need to buy this insurance?
To make buying your policy as simple as possible, please make sure you have the following information to hand:
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 policy 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.
After that, you can make an unlimited number of claims a year.
When and how will I have to pay my excess?
You will have to pay £30 for each claim you make. We’ll need this payment before your claim can be progressed.
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, Visa, Visa Debit or Maestro.
Please read the terms and conditions of your policy for full details.
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 property running smoothly. All our repairs are carried out by HomeServe approved experts, and it’s simple and quick to book your repair online.
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 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 tenanted property 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 £22.68£20.30 a month (£272.16£243.60 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 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 policy 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:
HomeServe is an insurance intermediary and arranges and administers this policy 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:
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 policy?
The full terms and conditions of your policy, plus other important documents about your cover and HomeServe’s services, can be downloaded here.