HomeServe Cover 8 for Flats

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 output of less than 70 KW/hr and be fired by natural gas (and not LPG, electric or oil).

This policy has an initial 28 day exclusion period within which you'll not be able to make a claim (with the exception of the Gas Central Heating element, where your boiler must pass the Boiler Health Check before we can progress any claims).

You will have to pay the first £60 of any claim. We can only accept payment using the following cards: MasterCard, Maestro, Visa or Visa Delta. A separate excess payment is required for each claim you make. Please see the policy Terms & Conditions for further details. 

The price will increase at renewal. Currently customers in their second year are paying £25 a month, £300 for the year for this policy, provided they have made no claims. Your cover will automatically renew unless you tell HomeServe otherwise.

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 Terms & 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 gas 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 gas claims can be made.


• Water supply pipe: Your local water company may provide assistance in the case of a leak to your external underground water supply pipe, please contact them directly for details so you can decide whether you need this product.


• Pests: please note, your local authority may provide a pest control service to its residents. Please contact them directly for details.

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