Electricity & Gas

Section - Electrical Emergency

In the event of an emergency arising from the sudden and unexpected breakdown or failure of the permanent domestic electrical wiring system and its components (fuse box, switches, sockets) supplying electrical power to your property, an engineer will visit your property and complete a temporary repair to limit or prevent damage or, solely at the claims administrator’s discretion, replace the relevant part(s) and/or wiring.

We do not cover:

a) Domestic appliances or electrical items with a plug.

b) Replacing light bulbs, fuses, and any other routine electrical maintenance tasks.

c) External lighting and non-permanent outbuildings such as sheds and greenhouses.

d) Where an appliance has caused a circuit to fail or trip.

e) Swimming pools, fish tanks, ponds, burglar and smoke alarms, satellite/TV equipment, telephone equipment, doorbells, garage doors, shower units, portable and fixed heating systems, immersion heaters, power generating systems including solar panels and wind turbines, any 3 phase electrical systems or garden areas.

f) Any garage or outbuilding connected to a separate electric meter to that of the property.

Section - Emergency Gas Supply Pipe Cover

In the event of a leak on your internal gas supply pipe, an engineer will visit your property and repair or replace the damaged section of the pipe. Our assistance will only be provided once the National Gas Emergency Service have attended and isolated the leak. If your property becomes uninhabitable for more than 48 hours because of an emergency covered by this section of the insurance, we will pay up to £250 in total (including VAT) towards the cost of alternative accommodation. Cover is provided towards the cost of hotel room(s) and transport to the hotel only. We will not pay for any food or drink purchased, nor the cost of any parking charges incurred, nor the cost of any entertainment.

We do not cover:

a) Any gas boiler, fire, central heating, or hot water breakdown.

b) Temporarily frozen pipes where permanent damage is not confirmed.

c) Repair work to or the cost of replacing lead pipework.

d) Gas supply pipes which are not installed correctly, or which do not confirm to any governing Gas Safe regulation or requirement. e) Any external gas supply pipe or any piping that is the responsibility of the National Grid, including any pipes outside the boundary of your property.