Heating, Plumbing and Electrics

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.

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.

Make sure that the boiler(s) at your property are fuelled by natural gas (not LPG, oil or solid fuel) and have a total power input of less than 70 KW. And, the diameter of your gas supply pipe must be no bigger than 35mm. We're not able to provide cover for dual-purpose boilers, warm air heating systems, combination and thermal storage units.

You will have to pay £60 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. 

There's an initial 28 day exclusion period in which you'll not be able to make a claim (with the exception of the gas boiler element, where your boiler must pass the boiler health check before HomeServe can progress any claim you might make). Please see the product documents for more 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 £40.76 a month (£489.12 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.

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: If you suffer a gas leak, you should first call the National Gas Emergency Service immediately on 0800 111 999.


• Boiler Health Check: Your boiler will be given a health check in the first year. It's an initial inspection in the first year 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 boiler 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 boiler 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).


• 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.

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