The main things you can claim for
What isn't covered
The main exclusions
Am I eligible for this insurance?
This insurance is only for homeowners.
It doesn’t include protection for 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 cover 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 cover. This is shown in your insurance agreement 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 insurance agreement.
See the terms and conditions of your insurance agreement for more information on cancellation.
When will I be able to make my first claim?
Once your cover 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 up to three claims a year for plumbing problems and unlimited claims for electrical problems.
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.
We can only accept payment using the following cards: MasterCard, Maestro, Visa or Visa Delta.
Please read the terms and conditions of your insurance agreement 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 home 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?
The price of your insurance will increase when it’s renewed for a second year.
Customers in their second year who choose to renew now pay £15 a month (£180 for the year) for Plumbing and Electrics cover, provided they have made no claims.
Your cover will automatically renew after a year unless you tell us you don’t want it to.
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:
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:
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?