- Joined
- 30 Aug 2008
- Messages
- 223
- Reaction score
- 3
- Country
Wow I've hit a nerve where the insurance company is concerned yippee!!
I’ll be back home in the next hour or so, not for long though, so let me know if anyone wants me to do anything. I'll reply to the other "can you check/do" this in a mo.
I will indeed go back to the insurance company on Monday and will let you know their response. In the meantime I will need a plan b as it needs to be ok by Thursday.
What IS and IS NOT covered:
This only applies if you have chosen to include this
cover and this is shown on your Policy Schedule.
This section provides assistance if you or any
member of your family have a home emergency
and you phone the home emergency helpline.
We will arrange to deal with the emergency by
choosing a qualified person to come to your
home and carry out any repairs that are necessary
as a result of that home emergency.
Words with special meaning are printed in bold
type on pages 13-14 and below. In this section of
the policy we/us/our means Inter Partner
Assistance. The policy limits are shown on page 19.
Home Emergency words
with special meanings
Home Emergency
A sudden event that was not expected by any
of your family and which needs immediate
action to:
• make the home safe or secure
• avoid damage or more damage to
your home
• make your home fit to live in
• restore electricity, gas or water services
to your home if they have totally failed
What IS covered
1. A home emergency that you or any member
of your family tells us about.
2. In the event of the property becoming
uninhabitable and remaining so overnight,
we shall at your request arrange and pay
for your overnight accommodation and/or
transport to such accommodation,
up to £100.
What IS NOT covered
A fault any member of your family knew or
should have known about when you took out
the policy.
Any claim if your home is unoccupied.
Any claim if your mains electricity, water or
gas supply fails or is deliberately cut off by
any electricity, water or gas supply company.
Any deliberate act of any public or local
authority service.
Any deliberate act or omission by any
member of your family, in an attempt to
make a false or fraudulent claim under
this section.
Any claim which is covered by a maintenance
agreement, guarantee or extended warranty
contract.
Any claim because your central heating boiler
fails and it is over 15 years old.
Solar heating, septic tanks, guttering
and downpipes.
Breakdown or loss of, or damage to, domestic
appliances like freezers, washing machines,
microwaves or other mechanical equipment
such as Saniflow toilets.
Any loss where you did not contact us to
arrange repairs.
Any loss or damage arising from subsidence
caused by bedding down of new structures,
repairs or alterations to the property, faulty
workmanship, or use of defective materials,
river or coastal erosion.
Any defect, damage or failure caused by
interference, negligence, misuse, or faulty
workmanship, including any attempted repair
or modification which does not comply with
recognised industry standards.
Any leaking or dripping tap that requires
re-washering or replacing, external overflows
or replacement of cylinders, tanks, radiators
and sanitary ware.
Any burst or leaking flexible hoses which can
be isolated or leaking washing appliances.
De-scaling and any work arising from hard
water scale deposits or from damage caused
by aggressive water or sludge resulting from
corrosion. Signs that work is needed may
include a noisy boiler, sludged up pipes or
poor circulation.
Replacement of light bulbs and fuses in plugs.
Lost keys for outbuildings, garages and sheds.
Vermin outside the main dwelling
e.g. garages and other outbuildings.
How we settle claims
for Section 5:
Home Emergency
The most we will pay for any one claim is up to
£500 (including VAT) towards the cost of the
qualified person who we choose to deal with
the home emergency, in respect of the call out
charge, labour and any materials that are
necessary, plus up to £100 towards alternative
accommodation.
If you have a home emergency and you claim
under this section and you have buildings
insurance, we can ask your buildings insurers
to pay back any money we have paid.
I’ll be back home in the next hour or so, not for long though, so let me know if anyone wants me to do anything. I'll reply to the other "can you check/do" this in a mo.
I will indeed go back to the insurance company on Monday and will let you know their response. In the meantime I will need a plan b as it needs to be ok by Thursday.
What IS and IS NOT covered:
This only applies if you have chosen to include this
cover and this is shown on your Policy Schedule.
This section provides assistance if you or any
member of your family have a home emergency
and you phone the home emergency helpline.
We will arrange to deal with the emergency by
choosing a qualified person to come to your
home and carry out any repairs that are necessary
as a result of that home emergency.
Words with special meaning are printed in bold
type on pages 13-14 and below. In this section of
the policy we/us/our means Inter Partner
Assistance. The policy limits are shown on page 19.
Home Emergency words
with special meanings
Home Emergency
A sudden event that was not expected by any
of your family and which needs immediate
action to:
• make the home safe or secure
• avoid damage or more damage to
your home
• make your home fit to live in
• restore electricity, gas or water services
to your home if they have totally failed
What IS covered
1. A home emergency that you or any member
of your family tells us about.
2. In the event of the property becoming
uninhabitable and remaining so overnight,
we shall at your request arrange and pay
for your overnight accommodation and/or
transport to such accommodation,
up to £100.
What IS NOT covered
A fault any member of your family knew or
should have known about when you took out
the policy.
Any claim if your home is unoccupied.
Any claim if your mains electricity, water or
gas supply fails or is deliberately cut off by
any electricity, water or gas supply company.
Any deliberate act of any public or local
authority service.
Any deliberate act or omission by any
member of your family, in an attempt to
make a false or fraudulent claim under
this section.
Any claim which is covered by a maintenance
agreement, guarantee or extended warranty
contract.
Any claim because your central heating boiler
fails and it is over 15 years old.
Solar heating, septic tanks, guttering
and downpipes.
Breakdown or loss of, or damage to, domestic
appliances like freezers, washing machines,
microwaves or other mechanical equipment
such as Saniflow toilets.
Any loss where you did not contact us to
arrange repairs.
Any loss or damage arising from subsidence
caused by bedding down of new structures,
repairs or alterations to the property, faulty
workmanship, or use of defective materials,
river or coastal erosion.
Any defect, damage or failure caused by
interference, negligence, misuse, or faulty
workmanship, including any attempted repair
or modification which does not comply with
recognised industry standards.
Any leaking or dripping tap that requires
re-washering or replacing, external overflows
or replacement of cylinders, tanks, radiators
and sanitary ware.
Any burst or leaking flexible hoses which can
be isolated or leaking washing appliances.
De-scaling and any work arising from hard
water scale deposits or from damage caused
by aggressive water or sludge resulting from
corrosion. Signs that work is needed may
include a noisy boiler, sludged up pipes or
poor circulation.
Replacement of light bulbs and fuses in plugs.
Lost keys for outbuildings, garages and sheds.
Vermin outside the main dwelling
e.g. garages and other outbuildings.
How we settle claims
for Section 5:
Home Emergency
The most we will pay for any one claim is up to
£500 (including VAT) towards the cost of the
qualified person who we choose to deal with
the home emergency, in respect of the call out
charge, labour and any materials that are
necessary, plus up to £100 towards alternative
accommodation.
If you have a home emergency and you claim
under this section and you have buildings
insurance, we can ask your buildings insurers
to pay back any money we have paid.