Included
The total failure or complete breakdown, whether or not caused by accidental damage, of the main heating system (including all radiators, hot water pipes and water storage tanks) in your home (boiler included with gold policy).
The sudden change to, or blockage or flooding of, the drains or plumbing system including water storage tanks, taps and pipe-work located within your home, which results in a home emergency.
Damage to (whether or not accidental) or the failure of external doors, windows or locks; which compromises the security of your home.
Breakage or mechanical failure of the toilet bowl or cistern resulting in the loss of function provided that there is no other toilet in your home.
The failure, whether or not caused accidentally, of your home’s domestic electricity or gas supply.
The loss or theft of the only available keys, if you cannot replace them to gain access to your home.
Vermin causing damage inside your home or a health risk to you.
Your overnight accommodation costs including transport to such accommodation following a home emergency which makes your home unsafe, unsecure or uncomfortable to stay in overnight.
Not included
Commercial and business premises, mobile home and bedsits.
General maintenance such as descaling or power flushing.
Any non-gas appliances, elson tanks, seperature gas heaters supplying hot water, LPG boilers or back-boilers and boilers such as AGAs and Rayburns.
Any boiler that has an output in excess of 60kW/hr.
Solar powered panels or ground, air and water source pumps.
Claims where the property has been left unoccupied for more than 30 consecutive days.
Any boiler or system that has not been serviced in the last 12 months, in line with manufacturer’s recommendations.
Cracked or broken toilets or cisterns.
Pipes outside the boundary of your home.
General servicing and maintenance issues including but not limited to leak accumulation, build-up of oil, fats or other debris within the drainage system.
Cesspits, septic tanks, vacuum drainage systems or electric pumps.
Reinstatement costs relating to the original surface or construction of a drive, path, decking or any other surface which is excavated as part of a claim.
Frozen pipes which have not caused any damage.
Home situated outside the territorial limits.