HomeServe Cover 8 for Flats

Reviews completed by customers who've claimed on their combined cover policy

You rely on your heating and hot water every day and with this comprehensive cover for your home, you can rely on us.

HomeServe Cover 8 covers a wide-range of problems, such as gas boiler breakdowns, burst pipes, blocked drains and faulty electrics.

You can claim as many times as you need and each claim has a £4,000 limit, unless it’s a boiler or central heating claim, where there’s no limit as long as your boiler isn’t Beyond Economical Repair (BER).

HomeServe has also added some extra features, for all new customers we’ll carry out a Boiler Health Check, so we can make sure your boiler is safe and that it can be covered.

And the best bit of all is, after 6 months, if your boiler is BER and less than 7 years old, we'll replace it for free. If it is older than 7 years old, we will source, replace and install a new boiler and all you'd have to do is pay for installation.

If you'd like to look at cover for different areas of your home, please select Home Cover & Services above.

When reference is made to ‘we’, ‘our’, ‘us’, and ‘we’re’ this refers to HomeServe Membership Limited.

What's covered?

Repairs to your home’s gas central heating system, including boiler, controls, radiators, tanks, immersion heaters and hot water cylinder
A noisy boiler
Repairs to your home's plumbing system and the parts of your water supply pipe that you’re responsible for
Repairs to and unblocking of your home’s drains and waste pipes to restore flow within your property boundary
Repairs to your home’s mains electrical wiring system
Repairs to broken locks at your home and replacement of keys
Removal of pest problems

Please see Product documents including T&C's for more details.

Main exclusions are:

Household appliances
Showers
Any pest outside other than a wasp/hornet nest
Guttering
Soakaways
Chimney repairs
The gas pipe leading into your meter

To apply

£23.00
per month in the first year.

With £50 excess. Annual price £276.00.

The price may be different for existing customers. The price will increase at renewal. Currently customers in their second year are paying £25.00 a month, £300.00 for the year for this policy, provided they have made no claims.

Choose your claim excess

This is the amount you pay if you make a claim. The higher your excess, the cheaper your monthly premium.

£0
per claim £50
per claim

Apply after reading Important Information and Product Documents below

Apply now

or call HomeServe on 0800 408 9135**

Why trust HomeServe?

24/7 claims line, 365 days a year
Access to HomeServe's network of approved engineers
Over 20 years' experience taking care of UK homes, with over 635,000 claims responded to in 2017*
12 months' guarantee on most repairs
You can read thousands of reviews from customers who have made a claim

*HomeServe Claims Data 2017

Who can buy this product

For full eligibility information please see the Important Information

Important Information

HomeServe Cover 8 for Flats 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.

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).

How long after purchasing do I need to wait before I can make a claim?

This policy has an initial 14 day exclusion period within which you'll not be able to make a claim (with the exception of the Gas Central Heating element, which has no exclusion period). Please see the product documents for more details.

What is my excess and how do I pay?

You will have to pay the first £50 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 and Conditions for further details.

What happens after the first year?

The price will increase at renewal. Currently customers in their second year are paying £25.00 a month, £300.00 for the year for this policy, provided they have made no claims. Your cover will automatically renew unless you tell HomeServe otherwise.

What happens if you change your mind?

You can cancel at any time. If you have made a claim no refund will be due. If you have not claimed you would receive a full refund within the first 28 days. After that it will depend when you cancel.

Please see Terms & Conditions for full cancellation information.

Is there product specific information I need to be aware of:

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. You will receive a letter from us within 7 days of your cover being set up, with details of how to book your health check. 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.
If you change address, make sure you let us know as soon as possible so that we can update our records and where appropriate transfer the policy to your new house. We will complete a new boiler health check on the boiler at your new property. Please note that for the first 6 months after informing us of changing address you would not be eligible for a BER contribution. Please refer to the Terms and Conditions for more details.

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.

What if an existing problem is identified prior to or during my Boiler Health Check (BHC)?

We won’t be able to pass your BHC but will advise what work needs to be done to rectify the problem. This won’t be covered under the policy and will have to be completed at your own cost. Please be aware that we cannot complete any claims under your policy until this work has been completed and your boiler has passed the BHC.

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, which is a trading name of HomeServe Membership Limited, Cable Drive, Walsall, WS2 7BN (registered in England company no. 2770612, VAT registration no. GB559669669) which is authorised and regulated by the Financial Conduct Authority (FCA) for general insurance activity under firm reference number 312518. 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.

Product Documents including T&Cs

FAQs

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 tradesmen?

We're careful to vet all HomeServe approved tradesmen. 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

Customer reviews

Reviews completed by customers who've claimed on their combined cover policy

Anglian Water Services Ltd is an appointed representative of HomeServe Membership Limited, which is authorised and regulated by the Financial Conduct Authority (FCA) for general insurance activity 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.

HomeServe Cover 8 for Flats

You rely on your heating and hot water every day and with this comprehensive cover for your home, you can rely on us.

Features

What's covered?

Main exclusions are:

To apply

Why trust HomeServe?

Who can buy this product

Important Information

Product Documents including T&Cs

FAQs

Customer reviews