Electricity, Gas & Water

Section 1 - External Water Supply Pipe
The insurer will provide cover in respect of an emergency involving any blockage, collapse or leakage of the water supply pipe from and including the main stopcock for your property up to where it is connected to the public water main or communication pipe provided that you are responsible for this. In the event that your property becomes uninhabitable for more than 48 hours as a result of an emergency covered by this section relating to your external water supply pipe, the insurer will pay up to £250 (including VAT) for the cost of suitable alternative accommodation for your tenants.

Conditions applying to Section 1

• Where you share legal responsibility for the water supply pipe outside the boundary of your property with any third party, the insurer will only pay your rateable proportion of any work undertaken under this section of cover.
• When a shared responsibility applies, any third party or parties must agree to the work being completed by the insurer’s engineers and must grant any access necessary to the water supply pipe.
  

Exclusions applying to Section 1
a) Costs which exceed your rateable proportion of the cost of any work undertaken by the insurer under the terms of this policy on a water supply pipe outside the boundary of your property where you share legal responsibility for the water supply pipe with any third party
b) Frozen pipes which have not caused any damage
c) Any work required on a water supply pipe outside the boundary of your property where you share legal responsibility for the water supply pipe with any third party who does not agree to the work being completed by the insurer’s engineers
d) Damage resulting from lack of routine maintenance or servicing
e) 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.

Section 5 - Electrical Emergency and Breakdown Cover
The insurer will provide cover in respect of an emergency arising from the breakdown or failure of the permanent domestic electrical wiring system and its components (fuse box, switches, sockets) supplying electrical power to your property. In the event that your property becomes uninhabitable for more than 48 hours as a result of an emergency covered by this section relating to your permanent domestic electrical wiring system, the insurer will pay up to £250 (including VAT) for the cost of suitable alternative accommodation for your tenants.

Exclusions applying to Section 5

a) Your electricity supply meter
b)Domestic appliances or electrical items with a plug
c)Replacing light bulbs, fuses and any other routine electrical maintenance tasks
d)External lighting , garden lighting and the electrical supply to outbuildings, such as sheds and greenhouses which
are connected to a separate electric meter to th at of the property
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
f)Electrical wiring or electrics in communal areas of your property

Section 6 - Emergency Gas Supply Pipe
The insurer will provide cover in respect of an emergency following to any damage to the internal gas supply pipe following a gas leak occurring in your property. Our assistance will only be provided once the National Gas Emergency Service have attended and isolated the leak. In the event that your property becomes uninhabitable for more than 48 hours as a result of an emergency covered by this section relating to your gas supply pipe, we will pay up to £250 (including VAT) for the cost of suitable alternative accommodation for your tenants.

Exclusions Applying to Section 6
a) General or routine maintenance
b) The breakdown of a ny gas boiler, fire, central heating or hot water system
c) Temporarily frozen pipes where there is no permanent damage
d) Systems not installed correctly by an appropriately qualified person or which do not conform to any governing
Gas Safe regulation or requirements
e) Pipes outside the boundary of your property Internal Electricity