Terms & Conditions:

HomeCall+ Landlord
Policy Terms & Conditions

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This policy is arranged for HomeCall+ customers by HomeCall+ Ltd and administered by Adminicle Ltd. You should read these terms and conditions carefully.

This Policy is underwritten by Inter Partner Assistance SA, The Quadrangle, 106-118 Station Road, Redhill, Surrey RH1 1PX, registered number FC008998.

Inter Partner Assistance SA is authorised by the Commission Bancaire, Financère et des Assurance (CBFA) in Belgium (their regulatory arm) and regulated by the Financial Services Authority (FSA) in the UK . The address of the FSA is 25, Colonnade, Canary Wharf , London E14 5HS. Information can be obtained by calling their Consumer Helpline 0845 606 1234 or by visiting the following website: www.fsa.gov.uk

Inter Partner Assistance SA outsource to Homeserve Claims Management Ltd the services and benefits as described in this policy during the period of insurance for which you have paid the premium.

How to Make a Claim

To obtain emergency assistance contact the 24 hour helpline on XXXXXXXXXXX

You should have the following information available upon request:

Your name and postcode

Policy number

An indication as to the nature of the problem

Data Protection Act

Details of you, your insurance cover and claims will be held by us for underwriting, processing, claims handling and fraud prevention subject to the provisions of the Data Protection Act 1998

What is covered

Emergency incidents that will be covered by this policy are:

•  Vermin such as rats, mice, or wasps nests inside the property

•  Blockages in toilet waste pipes

•  Plumbing problems related to leaking pipes, blocked drains, water tanks, or leaking radiators

•  Central Heating or boiler failure

•  Gas or electricity failure within the property

•  Hot water failure

•  Loss of all keys required to access the property

•  Broken or damaged windows and doors presenting a security risk to the property.

•  Emergency roofing repairs

Domestic Emergency

•  If you suffer an emergency at your property you should tell us on the emergency telephone number above. We will then:

•  advise you how to protect yourself and the property immediately;

•  organise and pay up to £500 including VAT, call out, labour, parts and materials to carry out an emergency repair or, if at a similar expense a permanent repair .

•  In the event of the property becoming uninhabitable and remaining so overnight, we will, subject to prior agreement with ourselves, pay up to £100 including VAT in total for:

•  your overnight accommodation and/or

•  transport to such accommodation.

What is not covered

•  There are Conditions and Exclusions, shown overleaf, which limit your cover. Please read them carefully to ensure this certificate meets your needs. We do not wish you to discover after an incident has occurred that it is not insured.

•  This insurance is not a household building or contents policy or an equipment maintenance contract. It complements your household insurance policies, providing benefits and services which are not normally available under such policies. We therefore recommend that you have a buildings insurance policy covering your property and a contents insurance policy covering your possessions.

Exclusions

•  The following are excluded from the insurance:

•  any loss or damage occurring within the first 14 days of cover;

•  any leaking or dripping tap that requires re-washering or replacing and external overflows, replacement of cylinders, tanks, radiators and sanitary ware;

•  burst or leaking flexible hoses which can be isolated or leaking washing appliances;

•  external water supply pipes;

•  failure of the boiler or the heating system occurring in the months May to August inclusive;

•  failure of boilers or heating systems that have not been inspected or serviced by a qualified person within the preceding twelve months;

•  boilers over 10 years old;

•  replacement of light bulbs and fuses in plugs;

•  descaling and any work arising from hard water scale deposits or from damage caused by aggressive water or sludge resulting from corrosion;

•  loss of keys for outbuildings, garages and sheds;

•  vermin outside the main dwelling e.g. in garages and other outbuildings;

•  breakdown or loss of or damage to domestic appliances (including showers) or saniflow toilets and other mechanical equipment;

•  damage to boundary walls, hedges, fences or gates.

•  electricity supply to, or failure of burglar/fire alarm systems, CCTV surveillance or to swimming pools and their plumbing or filtration systems.

•  any form of LPG, oil fired, warm air, unvented or solar heating systems

•  boilers in excess of 250,000 BTU's or 60 Kilowatts

•  Septic tanks

•  We will not be liable for any of the following:

•  loss or damage arising from circumstances known to you prior to the start date of this insurance;

•  the cost of replacement parts due to natural wear and tear;

•  loss or damage however caused to personal items, like paintings, electrical goods, jewellery, clothing, etc;

•  loss or damage arising from disconnection or interruption of mains services by the deliberate act of the Utility Company concerned or any equipment or services which are the responsibility or property of the Utility Company;

•  any cost relating to the attempted repair by you or your own contractor;

•  any defect, damage or failure caused by malicious or wilful action, negligence, misuse, third party interference or faulty workmanship, including any attempted repair or modification which does not comply with recognized industry standards;

•  any emergency in a property that has been unoccupied for more than 30 consecutive days;

•  any loss arising from subsidence caused by bedding down of new structures, demolition or structural repairs or alterations to the property , faulty workmanship or the use of defective materials, or river or coastal erosion;

•  any loss or damage arising as a consequence of:

•  war, invasion, act of foreign enemies, terrorism, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection, coup, riot or civil disturbance;

•  ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel, the radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or its nuclear component;

•  Any loss, injury, damage or legal liability arising directly or indirectly from, or consisting of the following: the failure or inability of any equipment to correctly recognize or interpret data representing any date, in such a way that it does not work properly at all.

Inter Partner Assistance - A promise of service

•  If this insurance does not provide the cover you need, you may return it to HomeCall+ within 14 days of the date of issue and your premium will be refunded in full, provided no claim has been made.

•  We wish to provide you with a high standard of service. Very occasionally we receive complaints which we investigate at once. Every effort is made to resolve them to your satisfaction.

If you have a complaint please write to the Customer Relations Department, HomeCall+ Ltd, Pendle Innovation Centre, Brook Street , Nelson, Lancashire , BB9 9PS . If your complaint relates to the service you experienced as a result of a claim, and you feel that the matter has not been resolved satisfactorily, you should write to the Managing Director of Homeserve Claims Management Ltd , Fulwood Park, Caxton Road, Fulwood, Preston, PR2 9NZ. In the unlikely event that you are not satisfied with the response from Homeserve Claims Management , you can contact the Financial Ombudsman Service, South Quay Plaza, 183 March Wall, Docklands, London, E14 9SR or telephone 0845 080 1800.

Financial Service Compensation Scheme

•  Inter Partner Assistance SA is a member of the Financial Service Compensation Scheme (FCSC). The FSCS is a safety net for customers of financial services firms should the firm not be able to meet its liabilities. Further information can be obtained from the FSCS website www.fscs.org.uk

Relevant Law

•  This certificate is subject to English Law and the parties submit to the non-exclusive jurisdiction of the English Courts.

•  This certificate represents the entire agreement of the parties on the matters in question.

General Conditions

•  No costs for repairs are payable under this insurance, unless we have been notified by you or a person calling on your behalf through the 24 hour claims service telephone number provided and have authorised an approved contractor in advance.

•  You must quote your policy number when calling for help. You must produce the relevant identification on the demand of the contractor or our other nominated agent.

•  If any loss, damage or expense covered under this insurance policy is also covered by any other insurance or maintenance contract, we will not pay more than our fair share (rateable proportion) of any claim.

•  This insurance does not cover normal day to day maintenance at your property which you should do. Nor does it pay for replacing items which wear out over a period of time.

•  You must co-operate with us in obtaining reimbursement of any costs we incur under the terms of this cover, which may have been caused by the action of a third party against whom you have a legal right of action.

•  In the case of reimbursement all payments made under this policy will be payable to the policyholder.

•  The minimum period for which you may hold this policy is 12 months. You are entitled to a period of 14 days in which to consider the content of your insurance policy and the extent of the cover therein. Cancellation of your policy within 14 days is therefore subject to a full refund. Cancellation after 14 days will be refunded pro rata less 15% of the total annual premium . Should you make a claim within the policy term the full annual premium becomes due

•  We may cancel this policy by giving you at least seven days notice at your last known address. We reserve the right to refuse renewal of any individual HomeCall+ policy

•  You are responsible for informing HomeCall+ of a change of your address so that cover can be transferred to your new property. Please send this information to Homecall+, address shown on the enclosed letter.

Parts Availability

•  Availability of parts is an important part of the service. However, there may be times when replacement parts are delayed because of circumstances beyond our control. In these cases we will not be able to avoid delays in repair.

There also may be occasions where parts are no longer available. In these situations we will ensure your property is safe and if required, the approved contractor will provide you with a quotation for a suitable repair,

The following definitions apply and appear in bold throughout the text:

Insured/You/Your The policyholder and/or any member of the policyholder's family

and/or tenant normally living at the property .

IPA/We/Us/Our Inter Partner Assistance SA, The Quadrangle, 106-118 Station Road, Redhill, Surrey RH1 1PX, who are a wholly owned subsidiary of AXA Assistance SA and part of the worldwide AXA group.

Property : Your named property, comprising private dwelling, garage and outbuildings used for domestic purposes in the United Kingdom as identified in the Insurance schedule and the tenancy agreement .

Emergency : The result of a sudden and unforeseen incident at the property which immediately:

1. exposes the insured or a third party to a risk to their health, or

2. creates a risk of loss of or damage to the property and/or any of your belongings, or

3. renders the property uninhabitable.

This definition shall include damage to or breakdown of the essential services to the property and /or permanent and irreplaceable loss of all keys required to gain access to the property , but not outbuildings.

Essential Services: Mains drainage to the boundary of the property , water, electricity and gas within the property and the main source of heating where no alternative exists and the service is immediately necessary to prevent an emergency .

Emergency repairs : Work undertaken by an approved contractor to resolve the emergency by completing a temporary repair .

Temporary repair: A repair which will resolve an emergency but may need to be replaced by a permanent repair .

Permanent repair: Repairs and/or work required to put right the damage caused to the property by the emergency .

Approved contractor : A tradesperson authorised in advance by us to carry out repairs.

Tenancy Agreement : The agreement between the Insured and the tenant in relation to the insured property which is:

•  an Assured Shorthold Tenancy Agreement as defined within the Housing Act 1988 (as amended), or

•  a Company Residential Tenancy (Company Let) created after 28 th February 1997 where the tenant is a public limited company (Ltd) and the insured property is purely let for residential purposes, or

•  a written common law residential Tenancy Agreement

Tenant : The occupier of the property named in the tenancy agreement .

Vermin: Brown or black rats, house or field mice, wasps and hornets.