Boiler Breakdown Insurance

Park Home Assist are one the UK’s leading providers of competitive and comprehensive insurances specifically designed by Lloyd’s insurers for owners requiring Residential Park Home Insurance, Mobile Home, Leisure Lodges, Static Caravans (Holiday Caravans) and Touring Caravan insurance.

Why choose Park Home Assist...

Park Home Assist continue to develop a unique range of products for our Park Home owners, and in 2016 we further pushed the boundaries with the only company to provide a ‘stand alone’ Boiler and Multi Appliance breakdown policy, which has been well received by Park Home owners.

You could save up to £1,200 a year in repair costs on your boiler!
Have you ever worries about what you would do if the boiler in your park home stopped working in the depths of winter? Who would you call? How long will they take to get to you? And worse still how much will the repair cost? Or even, can the boiler be repaired? You’re just a phone call away from finding out just how this new and unique product from Park Home Assist can take this worry away! (For Gas and Electric Boilers Only)

But that’s not all…

You could save up to £1,000 a year in repair costs on your household appliances! Appliances in a home never breakdown at the most convenient of times, typically its when you are about to use them or midway through using them like doing the washing, or preparing that family meal in readiness for the family arriving and the oven fails to work. When the unforeseen happens, imagine a park home where you’re protected against unexpected breakdowns.

Boiler Breakdown Insurance

  

Exceptional cover for you and your home

 

Up to *£1,200 per claim, if your boiler is less than 7 years old;

Up to £350 per claim, if your boiler is more than 7 years old;

Dedicated 24 hour, 365 Day Emergency claims line;

Gas Safe registered engineers

No excess payable

Unlimited call outs in the year

Optional Multi Appliance Cover available;

We can arrange your annual boiler service for £114 inc VAT.

 

 

" The service I received was excellent. Very informative and covered all aspects required. The person I spoke to was very friendly and helpful "

Mrs P, Coalville

 

" I found them to be very, very good knew exactly what they were talking about. I would certainly recommend them. "

Mr L, New Haven

Terms and Conditions

PDF File Boiler Breakdown and Multi Appliance Cover - Terms & Conditions

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Policy Document

PDF File Boiler Insurance - Policy Wording

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Significant Exclusions

Boiler Breakdown Cover
*In the event that your boiler breaks down we will pay up to *£1,200 per claim for call out, labour, parts, materials and VAT if your boiler is less than seven years old. Or we will pay up to £350 per claim if your boiler is more than seven years old but less than 12 years old. If in our opinion your boiler is beyond economical repair we will give you up to £1,200 towards a replacement boiler if your boiler is less than seven years old. Or up to £350 if your boiler is more than seven years old but less than 12 years old.

As with all policies of this type there are some things which are not covered. These are the limitations and exclusions that we think are significant. Full details or all limitations and exclusions can be found in the relevant cover section of the policy wording.

You are not covered under Boiler Cover for:

  • Any boiler over 70kw and/or not purpose built for domestic use.
  • Repairs required as a result of design faults or installation errors.
  • Repairs that require a chemical flush of your boiler.
  • Any non-functional decorative parts, trim and casing.
  • Repair and replacement of flues which are not part of your boiler.
  • Adjustments to the central heating controls including the relighting of the pilot light/flame.
  • Descaling or desludging and any work arising from damage caused by hard water scale, rust or sludge deposit or from damage caused by corrosive water, water with high chemical content or any water pressure adjustments on sealed installations.
  • Any breakdown which happens before the start of your period of insurance or within 14 days of the start of this insurance. The 14-day restriction only applies at the start of your policy; it does not apply when you renew your cover. If you have upgraded your policy to include additional sections this 14-day exclusion period applies to the additional sections from the point at which they are added.
  • Any loss or damage resulting from a lack of proper maintenance, including that caused by or to a boiler which has not been maintained in accordance with the manufacturer’s instructions.
  • Any cost in relation to labour and/or parts when incurred as part of the annual maintenance being carried out to your boiler.
  • Claims for parts or labour if the equipment of facility is still under guarantee or warranty from the manufacturer, supplier or installer.

You are not covered under Multi Appliance Cover for:

  • The excess that applies to your policy as shown in your schedule;
  • The cost of any failure to an insured product within the first 30 days of your policy;
  • Claims resulting from use of the insured product where this is not being used domestically by you or your family permanently living with you. For example, where you act as a landlord and the use of the insured product is by your tenants in a rented property;
  • Claims resulting from the use of unapproved accessories;
  • Claims resulting from any repairs carried out without our prior authority;
  • Appliances bought second hand;
  • Any insured product 8 years old or above;
  • The cost of servicing, inspection and maintenance of the insured product which may include cleaning or clearing blockages;
  • The cost of rectifying cosmetic damage;
  • Materials or labour charges for which the manufacturer, supplier, installer or repairer may be responsible for under guarantee or warranty;
  • Rusting, corrosion, denting or scratching; any breakdown claims arising during the manufacturer’s guarantee period.

Key facts

PDF File Boiler Breakdown and Multi Appliance Cover - Key facts

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Business Terms

This document details our service and our arrangements for dealing with your insurance. Please read it carefully and retain a copy for your records.
Park Home Assist Insurance Services, My Holiday Home Insurance and My Static Caravan Insurance are all trading names of Assist Insurance Services Limited. Assist Insurance Services Limited are authorised and regulated by the Financial Conduct Authority. Our FCA Register number is 435530. Our permitted business is to arrange and advise on contracts of general insurance. You can check this on the Financial Services Register via www.fsa.gov.uk/register/home.do or by contacting the FCA on 0800 111 6768.

The service we will provide you with
We undertake to provide you with clear information regarding the services and products before you buy. We will advise and make a recommendation for you after we have assessed your demands and needs. Our advice will be confirmed in a demands & needs and suitability statement, giving reasons for our recommendation. In respect of any policies purchased via our website and any Legal Expenses, Motor Assistance, Boiler and Multi-Appliance Breakdown policies, you will not receive advice or a recommendation from us and you will then need to make your own choice about how to proceed.

We will act on your behalf when sourcing a policy to meet your needs, however we are specialist scheme administrators acting on behalf of the insurer at all other times. Each product we offer is mainly dealt with by a single insurer who we have selected because of their commitment to service and competitive pricing.

The table below details which insurer underwrites each of our products and also which company is responsible for handling of claims:

 
Product   Insurer   Claims Handled By
Park Home Insurance   Canopius Managing Agents Ltd at Lloyd’s   Canopius UK Specialty Ltd
Caravan Insurance   Canopius Managing Agents Ltd at Lloyd’s   Canopius UK Specialty Ltd
Holiday Property Insurance   Canopius Managing Agents Ltd at Lloyd’s   Canopius UK Specialty Ltd
Private Motor Insurance   KGM Motor insurance   Auto Accident Claims Ltd
Motorhome Insurance   KGM Motor insurance   Auto Accident Claims Ltd
Marine Insurance   Canopius Managing Agents Ltd at Lloyd’s   Canopius UK Speciality Ltd.
Home Legal Expenses Insurance   Administered by Arc Legal Assistance Ltd and underwritten by Inter Partner Assistance S.A.   Arc Legal Assistance Ltd
Motor Legal Expenses Insurance   DAS Legal Expenses Insurance Company Limited   DAS Legal Expenses Insurance Company Limited
Motor Assistance Insurance   DAS Legal Expenses Insurance Company Limited   DAS Legal Expenses Insurance Company Limited
Boiler & Multi-Appliance Breakdown   Canopius Managing Agents Ltd at Lloyd’s   Canopius UK Speciality Ltd.
Home Legal Expenses Insurance   Administered by Arc Legal Assistance Ltd and underwritten by Inter Partner Assistance S.A.   Arc Legal Assistance Ltd
Platinum Seal Park Home Structural Warranty Scheme   Assist Insurance Company Ltd   Assist Insurance Company Ltd

Our service includes advising you on our insurance products, arranging your insurance cover in order to match your requirements and helping you with any ongoing changes.

Our Administration Charges
In addition to the premium charged by the insurers we will make the following charges to cover our administration costs for these specified activities:

For Caravan, Park Home, Holiday Property, Private Motor, Motorhome, Marine insurance and Boiler and Multi-Appliance Breakdown (sold standalone).

  • Policy Administration Fee = £20.00
  • Mid Term Adjustments Fee = £10.00
  • Mid Term Cancellation Fee - Excludes Private Motor & Motorhome Insurance = £10.00
  • Mid Term Cancellation Fee – Private Motor & Motorhome Insurance = £25.00

Our Remuneration
In arranging insurance we receive a commission from the insurer. In addition there might be further remuneration based upon the amount and profitability of business placed with insurers and/or service providers over a specific period.

Your Right to Cancel
If within 14 days of either receiving your policy documentation, or the start of the period of insurance, you find that it does not meet your requirements you may cancel your policy by returning your documentation along with written instruction to Assist Insurance Services Ltd. Providing that no claim or incident likely to give rise to a claim has been submitted for;

Caravan, Park Home, Holiday Property, Marine Insurance, Boiler and Multi-Appliance Breakdown (sold standalone) Insurance we will refund the premium paid in full.

Private Motor and Motorhome Insurance a pro-rata charge will be made for the period of cover we have provided plus an administration fee of £25 excluding Insurance Premium Tax.

If you wish to cancel this policy after the first 14 days of receiving your policy or the start of the period of insurance and if there has been no claim or incident likely to give rise to a claim during the current period of insurance, we will calculate the appropriate premium for the period you have been insured and refund any balance due. In certain circumstances your insurer may repay part of your insurance premium(s) to us. Where the amount of refunded premium is less than £10 we reserve the right to retain this amount. If a claim has been submitted or there has been any incident likely to give rise to a claim during the current period of insurance no premium refund will be given. Full details of the cancellation rights and charges can be found in the policy wording.

Complaints
Our aim is to ensure that all aspects of you insurance are dealt with promptly, efficiency and fairly. At all times we are committed to providing you with the highest standard and services. However, if you should wish to make a complaint about our services, we have a formal complaints procedure. In the first instance you should contact us either in writing, by phone, fax or via our email address. Please address your complaint to:

Claire Leech - Director
Assist Insurance Services Ltd
Royal House
Queenswood
Newport Pagnell Road West
Northampton NN4 7JJ

Tel: 01604 946 785
Fax: 01604 687 559
Email: info@assistinsuranceservices.co.uk

Wherever possible we will endeavour to resolve your complaint by close of business the next day. If this has not been possible we will acknowledge your complaint promptly, in writing, with details of the individual who will be handling the matter in our office, together with a copy of our full complaints procedure. Where your complaint is in relation to our activities as your agent in arranging the policy or the credit to pay your premium, we will investigate your complaint and aim to provide you with a final response within 8 weeks, following which you may be entitled to refer it to the Financial Ombudsman Service if you remain dissatisfied.

If your complaint relates to our activities on behalf of Underwriters, we will fully investigate your complaint and write to you within 2 weeks with our response, or keep you informed as to why this has not been possible. At that time, if you remain dissatisfied with the outcome of your complaint, you have the right to refer this matter to the Policyholder and Market Assistance team at Lloyd’s who will then conduct a full investigation of your complaint and provide you with a written final response within 8 weeks. Details of the Lloyd’s complaints procedures are set out in a leaflet “Your Complaint – How We Can Help” available at: www.Lloyds.com/complaints or from the address below:

Policyholder & Market Assistance, Market Services, Lloyd’s, One Lime Street, London EC3M 7HA
Telephone: +44 (0)207 327 5693
Fax: +44 (0)207 327 5225
Email: complaints@Lloyds.com
If you remain dissatisfied after Lloyd’s has considered your complaint, you have a period of six months during which you may be entitled to refer it to the Financial Ombudsman Service.

The Financial Services Compensation Scheme
We are covered by the Financial Services Compensation Scheme (“FSCS”). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and circumstances of the claim. Insurance advising and arranging is covered for 90% of any claim, without any upper limit. For compulsory insurances e.g. motor insurance, advising and arranging insurance is covered for 100% of the claim, without an upper limit. Further information about compensation scheme arrangements is available from the Financial Services Compensation Scheme (FSCS).

Premium
We receive premiums as agents of the insurers. Therefore, once we have collected premiums for you, under the terms of our agreements with insurers, those premiums are treated as having been paid to the insurer.

How to make a claim
If you wish to report a claim or potential claim, please follow the instructions provided within your policy documentation, quoting your policy number or other reference given to you.

Disclosure of Information
You must take reasonable care to answer all questions honestly and to the best of your knowledge, and if you volunteer any other information, you must ensure that the information is not misleading.

If any information that you have provided to us changes before you take out your insurance, during the life of the policy or at renewal, you must inform us of the change.

If you deliberately, recklessly or carelessly misrepresent any information in relation to this insurance then your policy could be cancelled without refund, or treated as if it never existed, or your claim rejected or not fully paid.

All insurance policies contain Conditions and Conditions Precedent with which you must comply for cover to apply, and may also include Warranties which are very strict requirements that insurers have attached to your policy, based upon the risk details supplied. As such, failure to continually meet the terms of a policy Condition, Warranty, or Condition Precedent throughout the policy period could leave you without any insurance protection, and may give underwriters the right to void the policy in its entirety.

It is, therefore, vital that you read and understand the cover restrictions applicable to this insurance, which are contained in full within the policy document issued by your insurers, and notify us immediately if you cannot comply with them.

Your policy contains a number of technical terms, usually for reasons of precise meaning, which may not necessarily be easily understood. The British Insurance Brokers Association (BIBA) has produced a handy ‘jargon buster’ to explain the key words and phrases that you'll find in insurance documents, and a copy is available from http://www.biba.org.uk/JargonBuster.aspx or by contacting us.

Awareness of Policy Terms
When a policy is issued, you are strongly advised to read it carefully as it is the document, the schedule and any certificate of insurance that is the basis of the insurance contract you have purchased.

Confidentiality and Data Protect Act
All personal information we receive about you will be treated as confidential and processed in accordance with legislation. We will only use and disclose the information we have about you in the normal course of arranging and administering your insurance and will not disclose any information to other parties without your consent, or where we are compelled to by law. In such instances personal information held by us may be disclosed to third parties on a confidential basis, and in accordance with the Data Protection Act 1998. Customers should be aware that insurers exchange information with each other through various databases to help check the information provided and also prevent fraudulent claims. Calls may be recorded for our joint protection and for quality assurance and compliance monitoring.

Assist Insurance Services Ltd would like to contact you with details of other products and services that might be of interest to you and to share your information with other carefully selected companies whose products and services we feel might interest you. If you would prefer not to receive this information please contact our customer service line on 01604 946 785 or write to the Data Controller, Assist Insurance Services Ltd, Royal House, Queenswood, Newport Pagnell Road West, Northampton, Northampton, NN4 7JJ.

Other Taxes and Costs
Other taxes or costs, or both, may exist in relation to the products and services offered by us which are not paid, or imposed by us.

Important Information Relating to Renewal of Policies
Prior to the expiry of your policy we will endeavour to issue a renewal invite providing details of the cost and terms to renew your policy. In order to protect your interests relating to the risks/property you have insured, and in the event that we do not receive your instructions and payment prior to the date of renewal, we reserve the right (but shall have no obligation) to renew your policy and (in the case of direct debit/instalment payments) to continue to accept payment from you unless and until you specifically notify us or your insurance company in writing that you wish to cancel your policy. In circumstances where we have assumed (in the absence of instructions to the contrary) that renewal is required you may be liable to make payment to us and/or your insurance company.

Law Applicable to Contract
You and we are free to choose the law applicable to this policy. Your policy will be governed by the law of England and Wales unless you and we have agreed otherwise.
It is recognised that these terms of business are binding on both sides by the sending and receiving of this document. Your acceptance of these terms of business does not affect your normal legal rights.

 

Park Home Assist Nominated For Two Insurance Times Awards

09/17

Following their success at the Insurance Times Claims awards, where they took the award for Customer Care Initiative of the year, Northampton based insurer, Park Home Assist, have been nominated for two further awards in the Insurance Times 2017 awards.

Read more

Recent News

Park Home Assist wins top insurance claims award

Insurance Times have announced the winners of this year’s Claims Excellence Awards and Park Home Assist, the specialist Park Home insurer have scooped the top award for their 2016 customer care initiative.

Read more

The World of Park and Leisure Homes show at Stoneleigh is always a great excuse to catch up with our old friends and customers. This year was no exception.Read more >
We’ll be at Stoneleigh again this year for the World of Park and Leisure Homes, with our staff on hand to help you with any questions you might have about your insurance..Read more >
The Insurance Times Claims Excellence awards 2017 shortlist has been drawn up, and Park Home Assist have made the grade thanks to their recent customer care initiative.Read more >
A major incident was declared by Devon and Cornwall Police in the early hours of this morning, following flooding at the Mill on the Mole residential park in South Molton.Read more >
Visit during Tingdene's Open Day and view the latest in park home and holiday lodge homes for 2017.
Tingdene's popular Open Day events are not just about viewing the stunning range of homes, there is much more to the day, and well worth a visit.Read more >
We all concentrate on the look of our homes when carrying out the maintenance, such as painting the outside, clearing the guttering, wiping down our UPVC windows and doors, but one of the most critical elements of maintaining a park home is the underneath. If that fails then this could cause significant damage to your home.Read more >
During these summer months, we all want to relax in our gardens, or go for those summer trips to the seaside, the hills, or visit our friends and family. But there is one very important job that should be done also this time of year. Read more >
We know that Summer is still with us, and we are still all enjoying the balmy nights, and hope that the colder nights are still some way off, however it won’t be that long before we all start thinking about whether our boiler will ‘fire-up’ when we need it to and will it get us through another winter without any unnecessary interruption. Read more >
Tingdene Parks are pleased to invite you to join them at Hazelgrove Park for their Autumn Open Weekend. Read more >
Tingdene Parks would like to personally invite you to join them at Ashwood Park in Wincham on Saturday 2nd July. Read more >
The main element of your park home and the overall structural integrity of your park home is the chassis that your park home is built on. Read more >
Park Home assist will again be in attendance at the World of Park & Leisure Homes Show in Stoneleigh, Warwickshire.Read more >

Have a question or like a quote over the phone?

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01604 946 796

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