Landlord's Electrics

Frequently asked questions

• Am I eligible for this insurance?

  • This insurance is only for landlords.

    It doesn’t include protection for mobile homes or park homes. Business premises and council and housing association properties cannot be covered.

• What information will I need to buy this insurance?

  • To make buying your policy as simple as possible, please make sure you have the following information to hand:

    • Details of the house, bungalow or flat you want to cover
    • A valid email address
    • The bank details of whoever will pay for the insurance.

• What happens if I change my mind?

  • If you wish to cancel your policy, you can do so at any time by contacting us.

    If this is within the 28 day cancellation period and you haven’t made a claim, you will receive a full refund. If you have made a claim, you’ll receive a refund minus the number of days you had cover.

    If it’s after the 28 days and you have made a claim, you will need to pay any remaining payments for the full term of the policy. If you haven’t made a claim, you’ll receive a refund minus the number of days you had cover.

    See the terms and conditions of your policy for more information on cancellation.

• When will I be able to make my first claim?

  • Once your policy is set up, there’ll be an initial 28-day exclusion period during which you will not be able to claim.

    After that, you can make an unlimited number of claims a year.

• When and how will I have to pay my excess?

  • Each separate problem registered will require an excess payment of £30 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.

    It's the landlord’s responsibility to pay the excess, however, if the landlord has given permission to do so, we will accept payment from the tenant in order to allow the claim to proceed.

  Please read the terms and conditions of your policy for full details.

• What if I need a repair that isn’t covered by my insurance?

  • Don’t worry. HomeServe’s one off repairs team can help!

    We offer a range of fixed price services that will help keep your home running smoothly. All our repairs are carried out by HomeServe approved experts. Call our team on 0330 0247 064 to find out more.

    For enquiries, lines are open on weekdays from 8am to 6.30pm and Saturdays from 8am to 4pm. We are closed on Sundays. Calls will cost you no more than the rate of a standard call and charges may vary depending on your network provider. Calls are recorded for quality control and training purposes.

• What happens after I’ve had my cover for a 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 tenanted property 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 £8.33 a month* (£99.96 for the year), provided they have made no claims.

    If you’d rather your cover didn’t automatically renew, you can cancel this feature when you apply. Alternatively, you can 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.

• Will I have to pay any extra fees or charges?

  • No. You only have to pay your insurance premium and - in the event you make a claim - your excess.

    Our prices include all fees and Insurance Premium Tax (IPT).

• Who provides this insurance?

  • This policy is sold, arranged and administered by HomeServe and underwritten by Aviva Insurance Limited. Aviva Insurance Limited 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 as company number 2116. Its registered address is:

    Pitheavlis,
    Perth,
    Scotland
    PH2 0NH.

    HomeServe is an insurance intermediary and arranges and administers cover 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.

    Our registered address is:

    Cable Drive,
    Walsall,
    West Midlands,
    WS2 7BN.

    HomeServe Membership Limited is registered in England and Wales company number 2770612. VAT registration number GB 559669669.

    The regulatory status of Aviva Insurance Limited and HomeServe can be checked on the Financial Conduct Authority’s Financial Services Register.

• Where can I find the product documents and terms and conditions that relate to my policy?

  • The full terms and conditions of your policy, plus other important documents about your cover and HomeServe’s services, can be downloaded here.

    • Insurance Product Information Document
    • Terms and Conditions
    • About HomeServe’s services