Plumbing & Drainage Emergency Insurance

Summary of Cover

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

Main Benefits

LGI's Plumbing and Drainage Emergency Insurance will, when you pay your premium, give you 24 hour emergency cover for your home's plumbing and drainage in the event of an emergency.

If you have an emergency we will effect a temporary repair to stop that emergency. A permanent repair can be made at LGI's discretion if it can be completed within the cost of an emergency repair.

For the purpose of this Insurance an emergency is defined as:

" A sudden and unforeseen incident which immediately creates a risk to your health, creates an immediate risk of loss or damage to your property or the contents therein, or renders the property immediately uninhabitable."
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What is covered

Emergency covered
The maximum we will pay (including VAT)
Number of claims in a policy term
What is covered?
Underground External Drainage
£2,000
2
 Call out, Labour and parts, and Temporary reinstatment
Underground Water Supply Pipe
£2,000
2
 Call out, Labour and parts, and Temporary reinstatment
Internal Plumbing & Drainage
£1,000
2
 Call out, Labour and parts

The total liability above shall not exceed £10,000 including VAT during the Policy Term.

Once you have paid your premium, LGI's Plumbing and Drainage Emergency Insurance provides cover in relation to your:

  • Underground external drainage system
  • Underground water supply pipe
  • Internal plumbing and drainage

All in the event of an Emergency.
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Eligibility

To be covered by LGI's Plumbing & Drainage Emergency Insurance your property must:

  • Be located within the mainland United Kingdom, Isle of Man or Isle of Wight.
  • Not be used for commercial purposes of any nature including the letting of the property.
  • Legally be owned by you.

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What is not covered

  1. Regular servicing or maintenance or the cost of replacement parts due to normal wear and tear.
  2. Breakdown, loss of or damage to any of the contents of the property including but not limited to domestic appliances like freezers, washing machines, microwaves, dishwashers, and mechanical equipment such as Saniflow toilets.
  3. Any consequential loss or costs associated with loss of use of the property.
  4. Any cost relating to the attempted repair by you or your own contractor.
  5. Call out charges where there is no emergency or where no fault is found.
  6. Any emergency in a property that has been unoccupied for more than 30 consecutive days.
  7. Loss or damage arising from disconnection or interruption of mains services by the deliberate act of the utility company concerned.
  8. Faults occurring outside the boundary of the property unless specifically stated as covered under this Policy.
  9. The descaling of pipes or the replacement of consumable items, including but not limited to washers.
  10. The cost of repair to swimming pools and any decorative features and all associated plumbing and filtration systems.
  11. Blockages caused by foreign objects, including but not limited to toilet fresheners.
  12. Incidents relating to septic tanks and outflow pipes, external guttering soakaways, rainwater down pipes and rain water drains; or to water flowing externally out of the overflowing pipes.
  13. The temporary freezing of pipes where such freezing has not resulted in confirmed damage.

For a full list of what is not covered by this policy click here and look under the heading Exclusions.
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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, ring 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 payments 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.

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 home emergency involving your plumbing & drainage 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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