Home Emergency - Policy Summary
About this document
Please note that this policy summary does not contain the full terms and conditions of the contract of insurance; so please take time to read the policy document to make sure you understand the cover it provides.
Insurer:
Your Policy is arranged by Motorists Insurance Services Ltd with UK General Insurance Limited on behalf
of Ageas Insurance Limited.
They are registered in England No. 354568. Registered Office: Ageas House, Hampshire Corporate Park, Templar’s Way, Eastleigh, Hampshire, SO53 3YA.
Uk General Insurance Limited and Motorists Insurance Services Ltd are authorised and regulated by the Financial Conduct Authority.
Ageas Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the
Prudential Regulation Authority
What is covered?
MIS Home Emergency Cover is designed to provide emergency assistance in the event there is a sudden or unexpected event which, if not dealt with quickly would:
- a. Render the property unsafe or insecure
- b. Damage or cause further damage to the property
- c. Cause personal risk to you
Additional options, if selected, will provide for an initial inspection of the Primary Heating System plus the yearly servicing of the main boiler.
The limit of liability payable under this policy is up to £1000 for a call out, labour, parts, materials and VAT, following an insured event which occurred during the period of cover.
Plumbing and Drainage
| What is covered? |
Examples of what is not insured: |
- The total loss of water to your property.
- The loss of water between the mains internal stopcock and the internal taps and is likely to cause damage to the insured's home or its contents.
|
- General maintenance including but not limited to dripping taps and leaking external overflows.
- Leaks from any household appliance, sink or bath where leakage only occurs when the appliance is in use.
- Any repair to domestic appliances that are leaking water, other than from the external fixed pipe work.
|
Electrical Supply
| What is covered? |
Examples of what is not insured: |
- A home Emergency resulting in the complete failure of all the domestic lighting or all power sockets within the internal domestic property.
|
- The failure of any electrical wiring and electrics that are not permanent (e.g. extension leads, standalone heaters).
- Wiring/cabling situated outside of the property (e.g. wiring to satellite dishes, aerials etc).
- The resetting of circuit breakers, where it is not associated with permanent repair work and where it can be reset by you.
|
Water Supply
| What is covered? |
Examples of what is not insured: |
|
home Emergency resulting in the complete failure of all the domestic lighting or all power sockets within the internal domestic property.
Examples of what is not insured:
- The failure of any electrical wiring and electrics that are not permanent (e.g. extension leads, standalone heaters).
- Wiring/cabling situated outside of the property (e.g. wiring to satellite dishes, aerials etc).
- The resetting of circuit breakers, where it is not associated with permanent repair work and where it can be reset by you.
|
- General maintenance including but not limited to dripping taps and leaking external overflows.
- Leaks from any household appliance, sink or bath where leakage only occurs when the appliance is in use.
- Any repair to domestic appliances that are leaking water, other than from the external fixed pipe work.
|
Lost Keys
| What is covered? |
Examples of what is not insured: |
|
We will assist you to gain entry to the property following the loss of the keys to the property, failure of a lock, or snapping of a key where you have no other means of entry to or from the property.
|
- Loss of keys for outbuildings, garages or sheds.
- Loss of keys where an alternative set is available.
- Failure of a lock due to attempted forcible entry to or from the property.
|
Pest Control
| What is covered? |
Examples of what is not insured: |
|
Where there is an infestation in the property we will assist you in the removal or extermination of wasps, hornets or rats.
|
- Damage to the structure, masonry, fixtures and fitting or any cleaning required, caused directly or indirectly by pests.
- Pests kept as domestic pets, or for commercial purposes.
- Boring insects and woodworm.
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Gas Leaks
| What is covered? |
Examples of what is not insured: |
|
If you suspect there is a gas or carbon monoxide leak within the property, stop using all gas appliances, ventilate your property and immediately notify the National Emergency Helpline by ringing 0800 111 999.
|
- General maintenance.
- Systems not installed correctly or which do not conform to any governing Gas Safe regulation or requirement.
|
Inoperable Toilet
| What is covered? |
Examples of what is not insured: |
|
We will assist you to stop the Emergency which has arisen from the sudden and unexpected failure of the toilet within the property which has resulted in internal water leakage, flooding or water damage to the property, or which renders the toilet inoperable.
|
- General maintenance.
- Failure to one toilet where there is another working
toilet within the property.
|
Boiler Cover
| What is covered? |
Examples of what is not insured: |
|
We will pay up to £1000 for call out labour, parts, materials and VAT following an insured event that results in the sudden and unexpected failure or breakdown of your boiler or Primary Heating System. This limit includes any costs associated under the overnight accommodation cover.
If your boiler is deemed Beyond Economical Repair we will:
- Give You up to £500 towards a replacement boiler if yours is less than 5 years old
- Give You up to £250 towards a replacement boiler if yours is between 5 and 10 years old
If our contractor provides the replacement we will pay them directly. Alternatively the benefit can be claimed by providing a copy of the replacement boiler receipt within 60 days. Failure to replace your boiler will mean that cover under this section will cease.
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- Oil contamination resulting from a leak from an oil powered boiler.
- A boiler which is more than 10 years old.
- A boiler fitted within a property with more than 6 bedrooms.
- Repair costs if the boiler is in the opinion of the contractor, Beyond Economical Repair.
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Overnight Accommodation
| What is covered? |
Examples of what is not insured: |
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If the Emergency is due to an insured event under the policy and MIS Claims deem your residential property to be uninhabitable, we will, subject to prior agreement, reimburse hotel costs of up to £150 per night for a maximum of 3 nights in any period of insurance (including VAT). Each night will need to be pre-authorized by MIS Claims.
|
- Any costs where pre-authorisation has not been given by MIS Claims.
- No more than £150 per night (including VAT) and no more than 3 nights in any period of insurance.
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Home Emergency Terms
Plumbing and Drainage
A home Emergency relating to your internal plumbing and or drainage that results in:
- The total loss of water to your property.
- The loss of water between the mains internal stopcock and the internal taps and is likely to cause damage to the insured's home or its contents.
Electrical Supply
A home Emergency resulting in the complete failure of all the domestic lighting and all power sockets within the internal domestic property.
Lost Keys
We will assist you to gain entry to the property following the loss of the keys to the property, failure of a lock, or snapping of a key where you have no other means of entry to or from the property.
Pest Control
Where there is an infestation in the property we will assist you in the removal or extermination of wasps, hornets or rats.
Gas Leaks
If you suspect there is a gas or carbon monoxide leak within the property, stop using all gas appliances, ventilate your property and immediately notify the National Emergency Helpline by ringing 0800 111 999.
Inoperable Toilet
We will assist you to stop the Emergency which has arisen from the sudden and unexpected failure of the toilet within the property which has resulted in internal water leakage, flooding or water damage to the property, or which renders the toilet inoperable.
Overnight Accommodation
If the Emergency is due to an insured event under the policy and MIS Claims deem your residential property to be uninhabitable, we will, subject to prior agreement, reimburse hotel costs of up to £150 per night for a maximum of 3 nights in any period of insurance (including VAT). Each night will need to be pre-authorized by MIS Claims.
Carbon Monoxide Alarm
First Alert Battery Carbon Monoxide Alarm. Features updated alarm encased in a smaller unit for better portability.
Supplied with 2x AA batteries. With silence and test buttons. Loud 85 DB alarm.
Emergency Boiler Cover
We will pay up to £1000 for call out, labour parts, materials and VAT following an insured event that results in the sudden and unexpected failure of your boiler that results in no hot water or heating. This limit includes any costs associated
under the overnight accommodation cover.
If Your boiler is deemed Beyond Economical Repair by our contractor, we will:
- Give You up to £500 towards a replacement boiler if yours is less than 5 years old
- Give You up to £250 towards a replacement boiler if yours is between 5 and 10 years old.
Complaints
It is the intention to give you the best possible service but if you have any questions or concerns about this insurance or the handling of a claim you should following the procedure below:
Complaints regarding the sale of your policy should be directed to:
Motorists Insurance Services Ltd
Beechwood House
37 Comber Road
Dundonald
BT16 2AA
Telephone: 028 9041 0220
Complaints regarding a claim on your policy should be directed to:
Motorists Insurance Services Ltd
Beechwood House
37 Comber Road
Dundonald
BT16 2AA
Telephone: 028 9041 0220
If your complaint cannot be resolved by Motorists Insurance Services Ltd by the end of the next working day, it will be passed to:
The Customer Relations Department
UK General Insurance Limited
Cast House
Old Mill Business Park
Leeds
LS10 1RJ
Telephone: 0845 218 2685
Email: customerrelations@ukgeneral.co.uk
Please ensure your policy number is quoted in all correspondence to assist a quick and efficient response.
If it is not possible to reach an agreement, you have the right to make an appeal to the Financial Ombudsman Service. This also applies if you are insured in a business capacity and have annual turnover of less than €2million and fewer than ten staff. You may contact the Financial Ombudsman Service at:
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
Docklands
London
E14 9SR
Telephone: 0800 0234567
Email: complaint.info@financial-ombudsman.org.uk
Compensation scheme
Ageas Insurance Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme, if they cannot meet their obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim. You can get more information about compensation scheme arrangements from the FSCS or visit www.fscs.org.uk.
Data protection
Please note that any information provided to us will be processed by us and our agents in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties. We may also send the information in confidence for process to other companies acting on their instructions including those located outside the European Economic Area.