Boiler Breakdown Insurance

Summary of Cover

Main Benefits
What is covered
Eligibility
What is not covered
General information
Demands & Needs
Status Disclosure

Main Benefits

In the event of sudden or unforeseen breakdown of your boiler or system, that is covered by this Policy, we will carry out repairs at no cost to you.

If you choose Boiler Breakdown Insurance including an annual service we will carry out a service on your boiler during the term of your policy. This means a visual inspection and efficiency and safety check. If the boiler is not working efficiently or safely it will be stripped down and a full service carried out according to CORGI recommendations. Where the boiler passes an initial inspection and safety check, a full service will not be carried out during the current Policy term.
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What is covered

We will pay up to £1,500 including VAT during the term of the Policy.

If your boiler is, in our view, considered to be non-repairable or uneconomical to repair and you are covered under your Policy, we will pay you a cash settlement based upon the age of your boiler as determined by us and subject to the maximum payments listed below:

Age in years Maximum payment
0-5 £400
6-10 £250
11-15* £200

* Conventional boilers only

In the event that a cash settlement is made in accordance with the above, your insurance will terminate and any further cover under this Policy will cease.
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Eligibility

This insurance is available for properties located within the mainland United Kingdom, Isle of Man or Isle of Wight. The property must not be used for commercial purposes of any nature including the letting of the property. You must be the legal owner of the property.

The boiler must be:

(i) installed in accordance with the manufacturer‘s instructions

(ii) under 15 years of age for conventional boilers at the start date

(iii) under 10 years of age for combination boilers at the start date

(iv) a domestic boiler with a heating capacity not exceeding 200,000 btu/hr 58.6KW

(v) deemed accessible. If on the first visit the boiler is deemed, at the discretion of the authorised repairer, to be installed or located in such a way that it is not easily accessible for inspection, repair or service we reserve the right to decline coverage under the Policy. You may be liable for a call out charge in this instance.
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What is not covered

We shall not be liable for:-

1. (a) routine cleaning, servicing, inspection or maintenance of the product and replacement of consumables, other than as provided in accordance with the benefits of this Policy;

(b) adjustment of time or temperature controls or bleeding radiators;

(c) loss of use of the boiler or system or any consequential loss;

(d) rectifying cosmetic damage not affecting the safe use of the boiler;

(e) material or labour charges for which the manufacturer, supplier, installer or repairer of the boiler or system may be held responsible under any guarantee or warranty;

(f) descaling or any work arising from hard water scale deposits, including desludging and effects of aggressive water and clearing of airlocks; energy management systems;

(g) repairs to primary flueing; repair to any gas appliance other than the product detailed on your Schedule;

(h) call-out charges where no fault was found;

(i) servicing or repairs to dual purpose systems;

(j) commercial boilers or boilers used for commercial purposes;

(k) rusting or corrosion.

2. The cost of any work which is carried out without our approval, or the cost of repairing any fault on the boiler and/or system, or plumbing installation caused by someone who is not an authorised repairer.

A full list of the exclusions of this Policy can be found in the terms and conditions under the heading Exclusions.
Click here for Boiler Breakdown including Annual Service
Click here for Boiler Breakdown excluding Annual Service
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General information

Law Applicable: Unless agreed to the contrary prior to Policy inception, this Policy shall be subject to English Law.

Compensation: You may be entitled to compensation under the Financial Services Compensation Scheme in the event that we are unable to meet our liabilities in full.

Claims: In order to make a claim call the Emergency Helpline on 0870 060 1591.

Complaints: If you have any queries associated with this product you may write to TWG Services Limited at The Aspen Building, Floor 2, Vantage Point Business Village, Mitcheldean, Gloucestershire, GL17 0AF. Complaints should be directed to the relevant party as explained in the section on Customer Care in the terms and conditions. None of the above affects any right of action you may have.

Cancellation: You may cancel this cover within 14 days of receiving your Policy confirmation with a full refund, although if a claim has been made during this period the Insurer may recover any costs incurred. If you cancel after such period no refund will be due, and you will remain liable for the balance of the payment(s) due.

Language: This Policy is written in English and all correspondence entered into shall be in English.

Policy term: The start and end date are detailed on your Policy Schedule. A 14 day deferment period applies, meaning your insurance will not start until 14 days after your application has been received by us. The deferment period does not apply to renewals which have been accepted within the specified renewal offer period.

Insurer: The Insurer is London General Insurance Company Limited, registered number 1865673, whose head and registered offices are at Integra House, Floor 2, Vicarage Road, Egham, Surrey, TW20 9JZ, authorised and regulated by the Financial Services Authority.

Special needs: For large print, audio and Braille you can call us on 0870 849 9805 or text telephone 020 8869 1796/97.
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Demands and Needs

If you buy this policy you should be the owner of an eligible property and believe protection against a boiler or system breakdown (including annual service if you decide to purchase a policy including an annual service) would be beneficial to you. You have read the details of cover on the summary of cover, including the main benefits and main exclusions and limitations of the cover, and are not aware of any other insurance policy you currently have that would make this cover unsuitable. You are aware of your obligation to provide all material information and have made a reasoned decision on the basis of the information provided in the summary of cover. You also have a period of 14 days after receiving the policy confirmation to cancel the contract if you wish to re-consider your decision.

This insurance is a commercial offer for Bristol Water plc customers from LGI.
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Status Disclosure

Bristol Water plc is an appointed representative of LGI for insurance mediation activity, and acts as an introducer of this product.
London General Insurance Company Limited (LGI) both underwrites and sells this product. LGI offers only its own product for Home Emergency Insurance. LGI is authorised and regulated by the Financial Services Authority, with a FSA registered number of 202689 which can be checked by contacting the FSA via the website of www.fsa.gov.uk/register or by phoning 0845 606 1234.
Our company registered address is Integra House, Floor 2, Vicarage Road, Egham, Surrey, TW20 9JZ.
If you need to register a complaint please contact LGI in writing at the address above. If you cannot settle your complaint with us you may be entitled to refer it to the Financial Ombudsman Service. We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations.
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