Plumbing and Drainage - Summary of Cover
This cover meets the needs of homeowners who require insurance and expert assistance in the event of a plumbing or drainage emergency at their domestic property.
What is covered?
1. Repair/replacement to leave the external underground drain running clear covered up to £4,000 per claim (inc VAT). Cover includes up to 2 claims per year for individual drains up to the main sewer and shared drains within your property boundary.
2. Emergency repairs to your internal plumbing and drains up to £2,000 per claim (inc. VAT), with up to 2 claims per year.
What is not covered?
Non-emergencies • central heating breakdowns • maintenance e.g. replacing tap washers, existing problems • replacing tanks, cylinders, sanitary ware or radiators • guttering, downpipes and rainwater drains • shared drains outside your property boundary • external water supply pipe.
What about my external underground water supply pipe?
One free underground water supply pipe repair service per property is provided by Cambridge Water. However this is not an emergency service.
What is defined as an emergency?
An emergency is sudden and unforeseen damage to your plumbing or drains which immediately (a) exposes a risk to your health; (b) creates a risk of loss or damage to the property or (c) makes the building uninhabitable. An uncontrollable internal emergency is where you can’t temporarily stop the incident from causing further immediate internal damage (i.e. by turning the water off or not using the facilities).
Who is eligible to apply?
All homeowners are eligible to apply, unless the property is a flat, mobile home, bed-sit, in multiple occupancy or is used for commercial purposes, in which case the property cannot be covered. Council or Housing Association tenants will not need this service.
When will I be covered?
Your policy starts the day your application is processed.
Who provides Plumbing and Drainage Cover?
The insurance policy is provided and underwritten by Inter Partner Assistance SA, The Quadrangle, 106-118 Station Road, Redhill, Surrey, RH1 1PR, United Kingdom office, registered number FC008998. It is arranged and administered for you by Homeserve Membership Ltd, Cable Drive, Walsall, WS2 7BN (Registered in England no. 2770612). You will therefore have a contract with Homeserve Membership Ltd to arrange and administer the policy on behalf of the insurer, for which the cost to you is £11 and a separate contract with Inter Partner Assistance SA. The total price you pay of £57.24 is unaffected by these arrangements. References to ‘Plumbing and Drainage Cover’ or ‘Cover’ in all documents include the services within both contracts.
Can I spread the cost of cover?
If you pay by Direct Debit you can quarterly or monthly. After the 3 months’ introductory period for £1, quarterly payers will pay one instalment of £18.76 and 2 instalments of £18.74. Monthly payers after the 3 months for £1 introductory period will pay 1 instalment of £6.32 and 8 instalments of £6.24. Payment by any other method will be one payment of £56.24 after the 3 months’ introductory period for £1.
What happens next year?
If you choose to pay by Direct Debit or credit card, excluding Maestro, your policy will automatically renew. You will receive your new policy documentation in advance of renewal to give you time to consider whether the cover is still right for you.
If you make any claim on the policy this may affect your future premium.
What if I am not satisfied?
If the insurance policy does not provide the cover you need, you should return your Policy Summary to Freepost RLYC-LXAL-GEEH, Customer Admin Department, Homeserve, Walsall, WS2 7BN, within 28 days of the start of the period of insurance or within 28 days of the day you receive the policy documents, whichever is the later. Any premium paid will be refunded in full, providing no claim has been made. The first 3 months of this policy is offered to you as a trial period (the trial period). If you are not satisfied with this policy for any reason, then you may cancel it by informing Homeserve of your wish to cancel the policy at least 14 days prior to the end of the trial period.
If you cancel after the initial 28 day period (which includes your statutory 14 day cancellation period), your cover will cease and you will not receive a refund of any premiums already paid.
Prices correct as at 05/08. For full terms and Conditions please call Homeserve on 0800 073 2143.
(note 1) Based on an independent survey of 1,301 respondents (February 2007).
(note 2) Based on an independent survey of 200 plumbers (April 2007).
(note 3) You will have a contract to arrange and administer your policy with Homeserve Membership Ltd, Cable Drive, Walsall, WS2 7BN (registered in England no. 2770612) and a separate contract for insurance with Inter Partner Assistance SA, The Quadrangle, 106-118 Station Road, Redhill, Surrey, RH1 1PR, United Kingdom office, registered number FC008998. References to ‘Plumbing and Drainage Cover’, or Cover’ in all documents include services within both contracts.
Homeserve is a trading name of Homeserve Membership Ltd. Cambridge Water Company is an appointed representative of Homeserve Membership Ltd, which is authorised and regulated by the Financial Services Authority.
(note 4) Trial offer: The first 3 months’ policy costs £1. After the introductory period of 3 months, monthly Direct Debit payers will pay a first instalment of £6.32, followed by 8 payments of £6.24. Quarterly payers will pay a first instalment of £18.76, followed by two payments of £18.74. Therefore the annual cost of the policy is £57.24 for the first year. Usual price is £74.99 a year. Should you not wish to continue with your policy after the trial period, you should inform Homeserve at least 14 days before the end of the trial policy period. Prices include all fees and Insurance Premium Tax and apply to the first year of cover only.
Homeserve Membership Ltd will use your information and may pass it on to their service providers, their own group companies and Cambridge Water group companies, for the purpose of administering your policy, training and statistical analysis. We, or they, may contact you by post or telephone with offers of interest. If you do not wish your information to be used for this purpose, please inform the Customer Contact Agent.
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