You can never predict if a problem will happen at home, but with Heating, Plumbing and Electrics insurance, you can be prepared if it does. Whether your boiler breaks down, you have a blocked drain or experience trouble with your home's electrical wiring, you can count on our approved engineers to get things up and running again. We'll even give you a FREE Boiler Service in year 1.
This product does include a boiler service. Choose this cover without a FREE Boiler Service.
When reference is made to ‘we’, ‘our’, ‘us’, and ‘we’re’ this refers to HomeServe Membership Limited.
Please see Product documents including Terms and Conditions for more details.
Before you apply for cover for your house, 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 gas boiler, central heating, plumbing and electrics 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.
£16
a month in the first year for new customers only.
Your excess: £60
Annual price: £192
Your price will increase at renewal, but you’ll always receive a reminder. This price will also include the cost of your Boiler Service. If you choose to continue into your second year, the expected price for customers who haven’t made a claim is £49.76 a month (£597.12 for the year). Price includes any applicable Insurance Premium Tax and is subject to any inflation and tax rate changes.
or call HomeServe on 0800 408 9135**
For full eligibility information please see the Important Information
Heating, Plumbing and Electrics with Service meets the needs of homeowners requiring assistance in the event of certain boiler, heating system, plumbing, drainage and electrics problems at the 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?
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.
Are you eligible to apply?
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.
What is my excess and how do I pay?
Each separate problem registered will require an excess payment of £60 per claim to be made.
Unrelated problems which are not associated with each other will require a separate excess payment.
Where physical investigation work is undertaken and the problem is not resolved, the excess payment will NOT be refunded.
The excess payment is taken using a credit or debit card. If you book over the phone, your card details must be input using your telephone keypad.
We only accept payment using the following cards: MasterCard, Visa and Visa Debit.
Please read the terms and conditions of your policy for full details.
How long after purchasing do I need to wait before I can make a claim?
Once your policy is set up, your boiler must pass the boiler health check before you can make a claim. Any pre-existing issues will not be covered. Take a look at the terms and conditions of your policy for full 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 £49.76 a month* (£597.12 for the year), provided they have made no claims. This price includes the cost of your Boiler Service.
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.
Is there product specific information I need to be aware of:
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 number 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. Authorised and regulated by the Financial Conduct Authority for its general insurance activities. Registered in England and Wales, number 2770612. Registered office: Cable Drive, Walsall, WS2 7BN. VAT registration number GB 559669669.
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
*The price of a Boiler Service is shown as FREE when compared to the equivalent cover without service.
For new customers, your Boiler Service will usually take place within the first 90 days from taking out the policy. From then on, boiler services are generally completed between April and September.
The Boiler Service included with this cover is FREE in the first year only, upon renewal the Boiler Service is chargeable and will be included as standard in the total cost of the policy. Please refer to 'What happens after the first year' under Important Information.
Click here to see the differences between the Boiler Health Check and a Boiler Service.
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:
Anglian Water Services Ltd is an 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.
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.