Don't let an electrical breakdown leave you in the dark, take out Electrical Emergency & Breakdown Cover and we'll be on hand to help get the lights back on if things go wrong. We'll even cover you for DIY accidents, so if you damage your electrics by mistake, you'll have access to a network of HomeServe approved engineers to help get things sorted.
If you'd like to look at cover for different areas of your home, why not take a look at the range here.
When reference is made to ‘we’, ‘our’, ‘us’, and ‘we’re’ this refers to HomeServe Membership Limited.
Please see Product documents including T&C's for more details.
Before you apply for cover for your house or flat, 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 electrical cover.
No worries. We offer a range of options to cover other areas of your home, so you can pick one that suits you best.
If you've come across something you don't understand, then contact us and we’ll be happy to help you.
per month in the first year.
With £30 excess. Annual price £11.88.
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 £7 a month (£84 for the year). Price includes any applicable Insurance Premium Tax and is subject to any inflation and tax rate changes.
This is the amount you pay if you make a claim. The higher your excess, the cheaper your monthly premium.
Or call HomeServe on 0330 0247 015**
For full eligibility information please see the Important Information
Electrics Cover meets the needs of homeowners requiring assistance in the event of a problem with the permanent electrics at their property.
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?
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.
Are you eligible to apply?
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.
What is my excess and how do I pay?
You will have to pay the first £30 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.
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 £7 a month (£84 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 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.
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.
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:
E.ON Next Energy Limited is an introducer 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.
E.ON Next is a trading name of E.ON Next Energy Limited. E.ON Next Energy Limited is a company registered in England and Wales. Registered number: 03782443. Registered office: Westwood Way, Westwood Business park, Coventry, CV4 8LG.
**Calls may be recorded for quality control and training purposes. Calls to 03 numbers will cost you no more than 01 or 02 numbers, charges may vary depending on your network provider. Calls to 03 numbers will be part of inclusive minute plans for landlines and mobiles. Lines are open 8am to 8pm weekdays, 8am to 4pm Saturday and 10am to 4pm Sunday.