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Cover

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Section 1 - Cover for Your Buildings:-
Section 1 - A. Standard Cover
Section 1 - B. Accidental Damage Option

Section 2 - Cover for Your Contents

General Conditions
General Exclusions
How to make a Claim
Section 3 - Legal Protection
Section 4 - Landlords Home Emergency Expenses
Data Protection Act

SECTION 4 - LANDLORDS HOME EMERGENCY EXPENSES

Your Statement of Insurance will show whether You have cover under this Section

This is the Home Emergency Cover Section of Your Policy Europ Assistance Holdings Limited will provide the services and benefits described in this Policy:

  • during the Period of Insurance
  • within the Geographical Limits
  • subject to the terms, exclusions and conditions contained in this Policy, all of which We recommend You read carefully
  • following payment of the premium

This Policy is underwritten by the following Europ Assistance Group companies:

  • Europ Assistance Insurance Ltd of Sussex House, Perrymount Road, Haywards Heath, West Sussex RH16 1DN, United Kingdom
  • Europ Assistance España, S.A. De Seguros y Reaseguros of 4 Calle de Orense, Madrid 28020, Spain
  • Europ Assistance Italia S.p.A. of 8 Piazza Trento, Milan, 20135 Italy
  • Europ Assistance Holding of 1 Promenade de la Bonnette, Gennevilliers, 92230, France

Further details may be obtained from Europ Assistance Holdings, on application by reference to Contract EAGEN/007.

This insurance is effected in England and is subject to the Laws of England and Wales

To ensure We are consistent in providing Our customers with quality service, We may record Your telephone call.

Europ Assistance Holdings Limited is a member of the General Insurance Standards Council.

MEANING OF WORDS

Wherever the following words and phrases appear in this Policy they will always have these meanings:

Geographical Limits: The mainland of Great Britain plus the Isle of Wight and Northern Ireland

Main Services: Your domestic water mains supply, Your gas supply, electricity (on the domestic side of the supply authority's main fuse) and Your domestic hot water heating

Home: The private dwelling, together with garage(s) and outbuildings, all used only for Your domestic purposes, and situated within the Geographical Limits at the address shown on the Schedule.

Insured Person(s): You or Your: The person named on the Schedule, together with Your current Tenant.

Repairer: Europ Assistance approved tradesman

Period of Insurance: The period shown on the Schedule

Tenant: The person or persons currently residing in Your Home, under the terms of an assured shorthold tenancy, a short assured tenancy or an assured tenancy as defined by the Housing Act 1988 or the Housing (Scotland) Act 1988 or as amended by the 1996 Housing Act.

We, Our or Us: Europ Assistance Holdings Limited

GENERAL EXCLUSIONS

  1. Pre-existing problems or circumstances known to You at the time You purchased the insurance and which You did not notify to Us.
  2. Any costs incurred when You have notified Us and obtained Our prior authorisation.
  3. Damage to Home contents.
  4. Any amount payable in respect of an insured event where the cost is recoverable under any other form of insurance or maintenance agreement (or which would be recoverable but for the existence of the insurance provided under this policy).
  5. Subsequent claims arising from the same cause or event, when You have not taken or paid for the action recommended by Our Repairer to ensure that the original fault has received a definitive repair.
  6. Any deliberately careless or negligent act or omission by an Insured Person.
  7. Not withstanding any provision to the contrary within this insurance, or any endorsement thereto, it is agreed that this insurance excludes any loss or expense of whatsoever nature directly or indirectly caused by, resulting from, or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss: War, hostilities or warlike operations (whether war be declared or not); invasion; act of an enemy foreign to the nationality of the insured person or the country in, or over, which the act occurs; civil war; riot; rebellion; insurrection; revolution; overthrow of the legally constituted government; civil commotion assuming the proportions of, or amounting to, an uprising; military or usurped power; explosions of war weapons; release of weapons of mass destruction that do not involve an explosive sequence; murder or assault subsequently proved beyond reasonable doubt to have been the act of agents of a state foreign to the nationality of the insured person whether war be declared with that state or not; terrorist activity. For the purpose of this exclusion terrorist activity means an act, or acts, of any person, or group(s) of persons, committed for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public, or any section of the public, in fear. Terrorist activity can include, but not be limited to, the use of force or violence and/or the threat thereof. Furthermore, the perpetrators of terrorist activity can either be acting alone or on behalf of, or in connection with any organisation(s) or government(s). Also excluded hereon is any loss or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing or suppressing any, or all of the above incidents. In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall remain in full force and effect.
  8. Loss or destruction of or damage or any loss or expense whatsoever resulting from:
    • ionising radiation or contamination by radioactivity from any nuclear waste from the combustion of nuclear fuel
    • the radioactive , toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
    • pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds
  9. Failure or malfunction of any supply, system or appliance serving the Home or any consequential loss, directly or indirectly caused by the actual or potential inability of any computer, data processing equipment or media, microchip, integrated circuit or similar device or any computer software or stored programme to correctly recognise any date as its true calendar date or to continue to function correctly in respect of or beyond that date.
  10. Any loss or damage to or expense or liability howsoever occurring unless specifically stated as being insured under this policy
  11. Any legal liability or consequential loss arising from the provision of, or any delay in providing the services described in this Section, unless negligence on Our part can be demonstrated

GENERAL CONDITIONS

  1. You should declare all facts which are likely to affect this insurance. Failure to do so may prejudice Your entitlement to claim, and if You are uncertain as to whether a fact is material, it should be disclosed to Us.
  2. We may cancel this insurance by giving 14 days notice by recorded delivery to You at Your last known address. In such event the premium shall be adjusted appropriately for the unexpired part of the Period of Insurance.
  3. You should carry out or arrange for normal continuous maintenance of Your Home and on the systems servicing the Home and You must take all reasonable steps to avoid or minimise any claim
  4. We will make every effort to apply the full range of services in all circumstances dictated by the terms and conditions. Remote geographical locations or unforeseeable adverse local conditions may preclude the normal standard of service being provided.
  5. Your full compliance with the terms and conditions of this Policy is necessary before a claim will be paid.
  6. If any fraudulent claim is made or if any fraudulent means or devices are used to obtain any benefit under this Policy all benefit and any premium paid shall be forfeited.
  7. We will be entitled, if We so desire, to prosecute, in Your name, any claim for indemnity or damages or otherwise, against any person in respect of any sum paid by Us under this policy. We shall have full discretion in the conduct of any proceedings, and any sum so recovered or secured shall belong to Us. Upon receipt You shall supply Us within 28 days a written statement substantiating the claim, together with all Schedules, information, evidence and receipts required by Us at Your own expense.
  8. If any dispute arises as to Policy interpretation, or as to any rights or obligations under this Policy, We offer You the option of resolving this by using the Arbitration procedure We have arranged. Please see the Complaints Procedure. Using this Service will not affect Your legal rights.
  9. This insurance contract is subject to the Laws of England and Wales
  10. It is a condition precedent to Our providing the services detailed in this Policy that You undertake to promptly pay the Repairer or Europ Assistance Holdings Limited for all work authorised by You which is not covered under this Policy.
  11. You have the right to return the insurance documents if You are not satisfied with this Policy for any reason. It may be returned to Us within 14 days for annulment.

What is covered

What is not covered

The following sudden unexpected events involving Your Home which necessitates immediate remedial action to render the Home safe or secure , avoid damage or further damage, or restore the Mains Services.

We will dispatch a Repairer chosen from Our national database of approved tradesmen, to assess the situation and carry out first-aid work in the event of:

  1. Burst pipes or sudden leakage likely to cause damage to the Home or its contents.
  2. Break-in or vandalism, compromising the security of the Home.
  3. Storm damage causing ingress of water or likely to cause further loss or damage to the Home or its contents
  4. Impact damage by falling tree or by vehicle or plane aerial debris
  5. Failure of Your domestic water mains supply, Your gas supply, electricity (on the domestic side of the supply authority's main fuse). blockage or breaking or flooding of drains or sewers, or failure of Your domestic hot water heating.
  6. Total failure of Your central heating during cold weather spells, causing You unreasonable discomfort or risking frost damage to the Home.
  7. A smashed toilet bowl or cistern, or breakage of the cistern internal mechanism which prevents flushing
  8. Subsidence or heave or landslip causing sudden damage allowing water to enter or compromising the security of Your Home by breaking external windows, doors or their frames.

For each claim We will pay up to a maximum £500 (including VAT) for immediate repairs to stabilise the situation and remove the emergency or to restore the normal operation of the boiler or warm air unit, comprising call-out, labour, parts and / or materials.

Making a claim - (this procedure applies to the Home Emergency Cover Section only). First check the circumstances are covered, then telephone Europ Assistance immediately, stating Your Policy Number and Landlords full name, on 0870 737 5532. Failure to provide this information may result in a delay in assistance being provided. MAJOR EMERGENCIES WHICH MAY RESULT IN SERIOUS DAMAGE OR DANGER TO LIFE OR LIMB SHOULD IMMEDIATELY BE ADVISED TO THE PUBLIC SUPPLY AUTHORITY, OR IN CASE OF DIFFICULTY, TO THE PUBLIC EMERGENCY SERVICES. SUSPECTED GAS LEAKS SHOULD ALWAYS BE REPORTED TO TRANSCO ON 0800 111 999.
  1. Normal day - to -day Home maintenance which You should carry out or pay for, such as the items listed below, which tend to gradually wear out over a period of time or need periodic attention. We would not consider the following as constituting a covered Home Emergency: a) dripping taps, b) burst or leaking flexible hoses or leaking washing appliances which are fitted with a stop tap, c) slow seepage from joints or gaskets which does not involve sudden escape of water, d) the results of hard water scaling deposits, e) leaking overflow(s), f) blockage of soil or waste pipes from sinks, basins, bidets, baths or showers, g) blocked or mis-aligned guttering, h) damage to boundary walls, hedges, fences and gates, i) malfunctioning or blockage of septic tanks. Please note that the above list (which is not exhaustive) shows specific examples of normal maintenance to indicate the type of problem not covered.
  2. In connection with the boiler or warm air unit, j) air locks in the central heating piping, k) malfunctioning of the central heating wall or room thermostats, l) central heating failure to light up after summer shutdown, m) failure of central heating pump, n) failure of zone or changeover valves, o) any claim involving a boiler or warm air unit with an output exceeding 17,000 btu's capacity, p) any boiler or warm air unit more than eight years old. Replacement of any boiler or warm air unit if repair or reinstatement is not possible due to the non-availability of parts. Any costs arising as a result of failure to service the boiler or warm air unit in accordance with the manufacturers instructions.
  3. The following incidents or circumstances q) breakage of internal glass or of any basin, bath, bidet or shower base, r) failure of any services where the problem is situated outside the boundary of the plot of land on which Your Home is situated or beyond the part of the sole or shared supply system or piping for which You are legally responsible. The cost of effecting permanent repairs once the immediate emergency situation has been resolved, including any redecoration or making good the fabric of the Home. Please also refer to the General Exclusions.

COMPLAINTS PROCEDURE

We aim to provide a first class service at all times, However, if You have any complaints regarding the standard of service You have received under Your Policy, the following procedure is available to You to resolve the situation. 1. In the first instance, please write to the Quality Department, Europ Assistance Holdings Limited, Sussex House, Perrymount Road, Haywards Heath, West Sussex, RH16 1DN, or e-mail Us on quality@europ-assistance.co.uk. If we cannot give You a final decision by four weeks from the date We receive Your complaint We will explain why and tell You when We hope to reach a decision. Our decision is final and based on the evidence presented. If You feel that there is new evidence or information that may change Our decision, You have the right to make an appeal. In respect of a complaint relating to a legal expensesclaim, either You or We have the right to require that a complaint be referred to arbitration under the Arbitration Acts. In any event, should You remain dissatisfied or fail to receive a final answer within eight weeks* of Us receiving Your complaint, You have the right in addition to Your contractual rights under the insurance, to refer the matter to the Financial Ombudsman Service at: South Quay Plaza, 183 Marsh Wall, London E14 9SR, telephone number 0207 964 1000.

NB. the timescales given above are dependent on You responding immediately to any correspondence We send You.

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