• Pipework outside the boundary of your home.
• Leaks from household appliances, sinks, baths, or showers where the leak only occurs when the item is in use.
• Frozen pipes which have not caused any damage.
• Guttering or rainwater downpipes, rainwater drains and soakaways.
• Blocked toilets that are not leaking, or overflowing, and where there is another available toilet in the home.
• Repairs if your boiler is deemed beyond economical repair.
• In relation to electrical cover - domestic appliances or items with a plug.
• In relation to electrical cover - swimming pools, fish tanks, ponds, burglar and smoke alarms, satellite/TV equipment, doorbells, garage doors, shower units, portable and fixed heating systems, immersion heaters, power generating systems including solar panels and wind turbines, any 3 phase electrical systems or garden areas.
• Collapsed drains.
• Any external gas supply pipe or any piping that is the responsibility of the National Grid.
• Pest infestations outside the main house at your home (for example in garages, other outbuildings or in the garden.
• Where an appliance has caused a circuit to fail or trip.
• Any incident within the initial exclusion period after the start date of your policy.
• Any item or system which has not been regularly maintained and/or serviced in accordance with manufacturer’s instructions or recommendations.
• Claims arising whilst or immediately after your home has been left unoccupied for 60 or more consecutive days.
• Any work carried out by you or any other person which was not authorised by the claims administrator in advance.
• Any parts or item which may need to be replaced due to natural wear and tear and/or gradual deterioration.

• The policy only covers emergencies. There is no cover for routine maintenance of the items covered under the policy, nor for cleaning or servicing.
• This policy will provide a temporary repair to limit or prevent damage or, solely at the claims administrator’s discretion, a replacement of a damaged part or item.
• There is a limit on the amount we will pay out for any one claim. This limit is £500 or £1,000, as selected by you and confirmed on your Policy Schedule.
• You can make a maximum of 3 claims during any 12 months period of insurance.
• Unless you have chosen to take out a policy with no excess, you will need to pay the first £50 or £95 of each claim you make under the policy. The policy excess selected by you will be confirmed on your Policy Schedule. The claims administrator will need to take the payment before any assistance can be provided to you.
• There is a compulsory excess of £50.00 on all claims occurring within the first 90 days of cover. The compulsory excess does not apply if You have included a voluntary excess of £50.00 or above
• Any incident which happens within the first 14 days from the start date of your policy is not covered.
• We will only cover boilers under 15 years old and which have an output of 60kW/hr or less. Boilers must have been serviced within the 12 months before the insurance starts (and/or serviced in line with the manufacturer’s recommendations).Any incident which happens within the first 14 days from the start date of your policy is not covered.
• There is no cover for any repair/replacement whilst your boiler is still covered under a warranty.
• Alternative Accommodation cover is for the cost of hotel room(s) and transport to the hotel only. You must pay the costs initially and then submit a claim form to the claims administrator for reimbursement.

Making sure you are eligible for cover

You must ensure that you and your home are eligible for this Insurance. The eligibility requirements are advised to you when you apply for/purchase this insurance and are stated in your Policy Document.

Disclosing important information

You must take reasonable care to provide complete and accurate answers to questions you are asked when you take out, make any changes to, or renew your policy.

Your duty to try to prevent an emergency

You must take all reasonable precautions to prevent an emergency. You must ensure that the normal day-to-day maintenance of your home is undertaken and that your home is in good condition.

If you have taken out cover for your domestic boiler, you will need to ensure it is serviced regularly. To be able to make a valid claim under this insurance, your boiler will need to have been:

a) Serviced within the 12 months prior to the policy start date, and/or serviced in line with the manufacturer’s recommendations; and

b) Serviced within the 12-month period prior to an emergency occurring.

When making a claim

You must report any emergency to the claim’s administrator as soon as reasonably possible. All requests for assistance must be made through the claim’s administrator. Major emergencies which could result in serious injury to the public or damage to property should be immediately advised to the supply company and/or the public emergency services.

• You may cancel this policy within 14 days after the start of your policy (as shown in the schedule). If you contact us in this time, no charge will be made, and we will refund any premium (provided you have not made any claims and do not know of any grounds for a claim).
• Thereafter you may cancel the insurance cover at any time by informing your administrator however no refund of premium will be payable.