External Water Supply Pipe

Leakage or blockage of the mains water supply between the stopcock in your home and the point where it is connected to the public or shared water supply.

Plumbing

Failure of, or damage to, the internal plumbing system, including the toilet(s), which causes internal water leakage, flooding, or water damage.

Internal and External Drainage

Failure of, or damage to, the internal or external drainage system of your home. For example, we cover blocked toilets, leaking tanks/cylinders, total blockage of all sinks, and blocked/collapsed external drains.

Electrical Emergency

Cover is also provided following the breakdown or failure of the permanent domestic electrical wiring system and its components supplying electrical power to your home.

Emergency Boiler

Mechanical or electrical failure or malfunction of your domestic central heating system which results in the system becoming completely unusable.

If your boiler is less than 7 years old, a contribution (up to the claim limit shown on your Policy Schedule or £250 whichever is less) towards a new boiler if your existing boiler is deemed beyond economic repair.

If spare parts are needed and the engineer cannot reinstate your heating within 60 hours, a contribution of £40 towards alternative heating costs (you will have to pay for alternative heaters yourself and make a claim for reimbursement).

Domestic Central Heating System Cover

Mechanical or electrical failure or malfunction of your domestic central heating system which results in the system becoming completely unusable.

If spare parts are needed and the engineer cannot reinstate your heating within 60 hours, a contribution of £40 towards alternative heating costs (you will have to pay for alternative heaters yourself and make a claim for reimbursement).

Security

Cover to make your home secure following a security incident. For example, following a break-in, broken glazing can be boarded up and broken locks for windows and doors can be repaired or replaced.

Roofing

Cover to protect your roof from further damage in the event of damage due to bad weather.

Lost Keys

Cover to enable you to gain access to your home if your house keys are lost or stolen. For example, replacing locks and keys.

Pest Infestation

Removal or extermination of an infestation of black or brown rats, field or house mice, and wasps’ or hornets’ nests.

Additional Benefit (Excluding: Emergency boiler and Domestic & Central Heating Systems Covers)

Alternative accommodation contribution of up to £250 if your home becomes uninhabitable for more than 48 hours because of an emergency covered under the policy.