Home Insurance Add-Ons - Home Emergency Cover

Insure4Retirement Home Insurance Add-Ons HOME EMERGENCY COVER You never know when you might require assistance with a home based emergency. What is Home Emergency Cover? Home Emergency cover gives you 24 hour assistance within your home for emergencies which are the result of sudden and unforeseen incidents where you need immediate help to prevent damage or further damage to your home or to anyone living there. Home Emergency )24 hour assistance within your home for emergencies associated with: Lost Keys Pest Infestation The Toilet Unit The Cooking System Plumbing and Drainage Home Security Your Domestic The Main Power Supply Heating System Some of the situations you can claim for You must claim for a home emergency within 48 hours of becoming aware of it Loss of only available set of keys Sudden or unexpected failure of or damage to the plumbing and drainage system which results in internal water damage includes:- leaking pipes, Total failure of the sole permanent blocked drains, water tanks or means of cooking leaking radiators Impact damage or mechanical failure of all or your only toilet bowl or cistern resulting in complete Complete failure or breakdown of heating and/or hot water supply provided by your primary heating system loss of function Sudden or unexpected failure of or damage to external locks, doors or windows which would make your home insecure 4. Pest infestation in your home - including rats, mice, wasp nests, grey squirrels, book lice, carpet beetles, larder beetles, clothes moths, biscuit beetles, house moths. Sudden, unexpected and complete failure to Electricity or Gas Supply What is covered? {Ф Parts Labour Materials VAT Some situations you cannot claim for Any leaking or dripping tap that required replacing Cost of replacement parts due to natural wear and tear The replacement cost of The cost of work carried your boiler if it is uneconomical to repair out without the Insurer's approval With some services that are not covered, the insurer can arrange for a supplier to fix the problem at your Water supply pipes that you yourself are not responsible for expense, if you wish. For a full list of what you can and cannot claim for, please refer to our policy book OR visit our website at www.i4r.co.uk., Protecting your home from emergencies Your insurer will require you to make sure you are doing your utmost to avoid home emergencies; otherwise your claim may be invalid. Here are some tips on how to protect your home. Maintain all of your domestic equipment by arranging nO regular inspections (This will ensure that everything is working effectively and to determine any need for repair early on) Do not attempt to do any repairs yourself or use an un-registered contractor (You will not be covered for damage caused by faulty workmanship) XDIY Inform your insurer of any works being carried out (They will not cover claims without approval first) C5 Keep your equipment as up to date as you can (If you have an old boiler system, insurers cannot provide cover costs for obsolete or unobtainable parts) Bio: Insure4Retirement specialises in arranging insurance to people over the age of 50. As Which? Recommended Provider, they have a range of insurances to suit the needs of anyone aged 50 and over. www.i4r.co.uk Resources *1 - http://www.govtoday.co.uk/local-government-news/21-housing-planning/14535-home-emergency-call-outs-up-24 Insure4Retirement is a trading name of Insurance Dialogue Limited, a limited company, registered in England and Wales No. 04683616 who are authorised and regulated by the Financial Conduct Authority, Firm Ref. 307941. Registered address: Heron House, 8-10 Christchurch Road, Bournemouth, Dorset BH1 3NA.