Homeowners 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.

This policy is for homeowners only. Retail, commercial and other premises used for business are not eligible, and council and housing association tenants will not need this service. The property must be your permanent private residence and owned and solely occupied by you and your family with no business use. Mobile homes, bedsits, sub-divided homes and let and sub-let properties are not covered. 

The boiler at your property must have a power input of less than 70 KW/hr and be fired by natural gas (and not LPG, electric or oil).

You will have to pay the first £100 of any claim. We can only accept payment using the following cards: MasterCard, Visa, Visa Debit or Maestro. A separate excess payment is required for each claim you make. Please see the policy Terms & Conditions for further details. 

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 home 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 £22.96 a month (£275.52 for the year), provided they have made no claims. This price includes the cost of your Boiler Service.

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

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 the Terms and Conditions for full cancellation information.

• Gas: Your property must not be heated by dual purpose boilers, a warm air heating system, combination 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.

• Boiler health check: an initial inspection where a Gas Safe^® registered engineer checks things over to make sure your boiler is safe and can be covered. Your boiler must pass before any claims can be progressed. It’s easy to arrange and must be booked or completed within the first 90 days.
  
  You can book this online and will also receive a letter from us within 7 days of your cover being set up, with details of how to book your health check.
  
  If you change address, you need to let us know and organise a health check for the boiler at your new property before any claims can be made.

• *Boiler Replacement Promise: In the first year of cover, or if you move address after six months, we will replace your boiler if it is deemed Beyond Economical Repair (BER) and is under 7 years of age. If the boiler is over 7 years of age, we will replace it but you will be required to pay for the installation cost (including parts, labour and VAT).

• *Boiler service: We'll carry out your boiler service in the first year at the same time we complete your boiler health check. Thereafter, if you have a gas boiler service with your policy it will usually be completed between April and September. This is not an element of insurance and therefore it is not part of the contract of insurance underwritten by the underwriter and it is not regulated by the FCA. This also means that if you have any complaint relating to this service, you will not have the right to refer the complaint to the Financial Ombudsman Service. 
  
  We also sell a boiler service separately but the service provided is the same whether it is purchased on its own or together. By buying them together the boiler service is free in the first year.

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 is a trading name of HomeServe Membership Limited, which is authorised and regulated by the Financial Conduct Authority (FCA) for general insurance and credit broking activities, under firm reference number 312518. Our registered address is: Cable Drive, Walsall, WS2 7BN. Registered in England as company number 2770612, VAT registration number GB559669669. 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.

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 property you want to cover
• 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