£15.50 per month
or £46.50 per quarter
or £186.00 per year
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Terms & Conditions
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Combined Power

Summary of Cover

This cover meets the need of homeowners who require insurance and expert assistance in the event of an electrical emergency or breakdown, or gas central heating breakdown at their domestic property.

What is covered?

  1. If you suffer a breakdown of your domestic gas central heating system, you are covered for call-out, parts, materials, labour and VAT providing your boiler is not beyond economic repair. Your policy covers the repair of your gas fired central heating system (excluding warm air and LPG heating systems). The maximum permissible output of your domestic gas fired boiler under this cover is 60kW.
  2. If you suffer a breakdown or failure of your permanent domestic electrical wiring system supplying electrical power including: wall sockets, switches, bulb sockets, security lighting and fuse boxes all beyond the electricity company's supply meter, you are covered for up to £2,000 per claim (including VAT) for parts, labour and call-out charges. There is no limit to the number of claims you can make.

What is not covered?

  • The repair of domestic appliances
  • Maintenance tasks such as changing light bulbs
  • Pre-existing problems, faults or permanent repair work which you have been advised are necessary to avoid a repetitive situation leading to an emergency or breakdown
  • The repair of portable appliances and portable or fixed heating
  • Problems caused by failure of the external public services to the property
  • The replacement of the boiler or any appliances.

What is defined as an emergency?

An emergency is sudden and unforeseen damage to your domestic electrical wiring which immediately a) exposes you to a risk to your health; b) creates a risk of loss or damage to the property; or c) makes the building uninhabitable.

Who is eligible to apply?

All homeowners are eligible to apply, unless the property is a mobile home, bedsit, in multiple occupancy or is used for commercial purposes, in which case the property can't be covered. Council or Housing Association tenants will not need this service.

Can you cover any type of boiler?

Provided your gas boiler meets the eligibility criteria, you can be covered. Boilers are considered eligible when their parts are available at most stockists and can be sourced within a reasonable timescale.

How do I know what type of boiler I have?

If you have a hot water tank in your home, it is likely that you have a conventional boiler. If you don't, it is probably a combination boiler.

When will I be covered?

Your policy starts the day your application is processed. To prevent claims on pre-existing problems and to keep premiums low, there is an initial period of 14 days when you are not covered in relation to the domestic electrical wiring, giving you 11 ½ months cover in your first year on this element of cover. For gas central heating an initial 28 day period when you are not covered applies, giving you 11 ½ months cover in your first year on this element of cover.

Who provides Combined Power?

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 £27.00, and a separate contract with Inter Partner Assistance SA. The total price you pay of £186.00 is unaffected by these arrangements. References to 'Combined Power' 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 pay quarterly, monthly or annually. Quarterly payers will pay 4 instalments of £46.50. Monthly payers will pay 12 instalments of £15.50. Single annual payment is £186.00.

What happens next year?

If you choose to pay by Direct Debit or credit/debit 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, Cable Drive, 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. If you cancel after this 28 day period (which includes the statutory 14 day cancellation period), your cover will cease and you will not receive a refund of any premium paid.

For full Terms and Conditions please call HomeServe FREE on 0800 783 0951.

Information correct at time of publication (09/08).

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