Electrical Emergency and Breakdown Cover-
Summary of Cover
What is covered?
If there is a breakdown
of your domestic electrical wiring,
you’re covered for parts, labour and call-out
charges up to
£1,000 per claim (inc VAT).
Your domestic electrical
wiring is the permanent
electrical wiring system in your property supplying
electrical power including: wall sockets, switches,
bulb
sockets and fuse boxes all beyond the electricity
company’s supply meter.
For example: damaged or
broken fuse box /consumer
unit, burnt out wiring to a light fitting, damaged
wiring to
shaving socket, faulty wiring to an immersion
heater or
broken light switch.
These are examples only – there
are many other breakdowns that can occur which would also be covered.
What
is not covered?
The main exclusions are:
The repair of domestic appliances, routine
electrical
maintenance tasks such as changing light bulbs,
existing problems of which you are aware, faults/permanent
repair work which you have been advised as necessary
to avoid an
emergency or breakdown, the repair of portable
appliances, the repair of portable or fixed heating.
When can I
ask for my
money back?
If you suffer an electrical
emergency, which makes your
home uninhabitable or could be a risk to health,
an electrician will aim to attend within
two hours or you can ask for your money back.
What is an
electrical emergency?
Emergency: sudden
and unforeseen damage to the
domestic electrical wiring which immediately:
-
exposes you to a risk
to your health; or
-
creates a risk of loss
of or damage to the property and
any of your belongings forming part of or
normally contained within the property;
or
-
makes
the buildings uninhabitable
When can I make a claim?
Your policy starts
the day your application is
processed and lasts for a year. However, to
prevent
fraudulent claims on pre-existing problems
and therefore
help keep premiums low, there
is a 14 day waiting period during which you cannot
make a claim, providing you with 11 and a half
months' cover in your first year of cover.
Am I eligible
to apply?
All homeowners are eligible
to apply, unless the property is a
mobile home, bedsit, in multiple occupancy or
is used for
commercial purposes, in which case the property
can’t be
covered. Council tenants will not need this service
and
private tenants are advised to check with their
landlord
before applying.
What if I move house?
When you move house, your
Electrical Emergency and Breakdown Cover
moves with you. Just call HomeServe with your
new address and your cover will be transferred.
How many claims can I make?
There is no limit to the
number of claims you can make.
What if I am not satisfied?
If the insurance policy does
not provide the cover you need, you should return
your Policy Summary to Freepost RLYC-LXAL-GEEH,
Customer Admin Department, HomeServe, Walsall,
WS2 7BN, within 28 days of the start of the period
of insurance or within 28 days of the day you
receive the policy documents, whichever is the
later.
Any premium paid will be
refunded in full, providing no claim has been
made. If you cancel after this 28 day period
(which includes the statutory fourteen day cancellation
period), your policy will remain in force.
Who
provides Electrical Emergency and Breakdown Cover?
The insurance policy is provided
and underwritten by Inter Partner Assistance
SA, The Quadrangle, 106 – 118 Station Road,
Redhill, Surrey, RH1 1PR, United Kingdom office,
registered number FC008998. It is arranged and
administered for you by HomeServe Membership Ltd , Cable
Drive, Walsall, WS2 7BN (Registered in England
no. 2770612).
You will therefore have a
contract with HomeServe Membership Ltd to arrange and
administer the policy on behalf of the insurer,
for which the cost to you is £49.99 and
a separate contract with Inter Partner Assistance
SA. The total price you pay of £49.99 is
unaffected by these arrangements. References
to Electrical Emergency Breakdown Cover or ‘Cover’ in
all documents include the services within both
contracts.
Information correct (April
2007) |
