With Plumbing and Drainage Plus insurance, you can be confident that problems with your property’s pipes, drains, toilets or tanks won’t stop you in your tracks. Thanks to HomeServe’s long history of helping UK homeowners and our team of expert plumbers, you can trust us to fix what’s gone wrong quickly and efficiently.
Even better, peace of mind comes at an affordable price compared with typical plumbing and drainage repair costs – which could be as high as £296^ for unblocking a private drain or £240^ to repair a heating pipe damaged by a nail.
If you are a homeowner you are generally responsible for the water supply pipe from where it enters your home up to the external stop tap, which could be inside, or in some instances, outside your property boundary line. This responsibility may be shared with neighbouring properties.
When reference is made to ‘we’, ‘our’, ‘us’, and ‘we’re’ this refers to HomeServe Membership Limited.
^BCIS research, September 2021. Prices include labour, parts, call-out charges and VAT.
Please see Product documents including Terms and Conditions for more details.
Before you apply for cover for your house, we just need to check a few things…
If you’ve answered ‘yes’ to all of the above, then it sounds like your requirements are of a homeowner looking for plumbing and drainage cover.
per month in the first year for new customers only.
Your excess: £30
Annual price: £12
Your price will increase at renewal, but you’ll always receive a reminder. If you choose to continue into your second year, the expected price for customers who haven’t made a claim is £13.32 a month (£159.84 for the year). Price includes any applicable Insurance Premium Tax and is subject to any inflation and tax rate changes.
or call HomeServe on 0800 408 9135**
Your excess is the amount you’ll have to pay up front each time you make a claim. The higher your excess, the cheaper your monthly premium.
For full eligibility information please see the Important Information
Plumbing and Drainage Plus meets the needs of homeowners requiring assistance in the event of a problem at their property with the water supply pipe or plumbing and drainage.
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?
Check that you're not already covered by your home insurance or other policies, so you are not paying for cover you don't need.
Are you eligible to apply?
This policy is for homeowners only and doesn't include cover for flats, apartments, mobile homes or park homes. Business premises, let and sub-let properties and council and housing associations also can't be covered.
What is my excess and how do I pay?
You will have to pay £30 for each claim you make. 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 and Conditions for further details.
How long after purchasing do I need to wait before I can make a claim?
There's an initial 28 day exclusion period in which you'll not be able to make a claim. Please see the product documents for more details.
What happens after the first 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 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 £13.32 a month (£159.84 for the year), provided they have made no claims.
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.
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 the Terms and Conditions for full cancellation information.
Is there product specific information I need to be aware of:
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 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:
How do we vet our approved tradespeople?
We're careful to vet all HomeServe approved tradespeople. We do this by:
Anglian Water Services Ltd is an appointed representative of HomeServe Membership Limited. HomeServe Membership Limited is authorised and regulated by the Financial Conduct Authority (FCA) for general insurance and credit broking activities under firm reference number 312518.
Anglian Water Direct is a trading name of Anglian Water Services Ltd. Registered Office: Anglian Water Services Ltd, Lancaster House, Lancaster Way, Ermine Business Park, Huntingdon, Cambridgeshire, PE29 6XU. Registered in England No. 2366656.
**HomeServe calls may be recorded for quality control and training purposes. Calls to 0800 numbers are free from landlines and mobile phones, and will not be taken from your mobile phone inclusive call minutes. Lines are open 8am to 8pm weekdays, 8am to 4pm Saturday and 10am to 4pm Sunday.