Boiler Breakdown Insurance

Insure your boiler against mechanical breakdown, specifically designed for Residential Park Homes.

Whether your boiler is fuelled by mains gas, LPG or electricity, our comprehensive boiler breakdown insurance will provide you the peace of mind, that you won’t catch a cold with unwanted boiler callout costs. And you also have the option to cover your key appliance too!

 

Boiler Insurance Price chart

Why choose Park Home Assist...

Award winning Park Home Assist continue to develop a unique range of products for our Residential Park Home owners, and in 2016 we further pushed the boundaries by being the only company to provide a ‘stand alone’ Boiler Breakdown policy, with the added option of including a multi appliance option, to protect your key appliances against breakdown within your park home.

You could save up to £1,200 a year in unwanted repair costs on your boiler!
Have you ever worried about what you would do if the boiler in your residential 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 be? Or even, can the boiler actually be repaired? You’re just a phone call away from finding out just how this 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 too. Appliances in a home never breakdown at the most convenient of times, typically it’s when you are about to use them or midway through, like through a cycle when doing the washing, or preparing that family meal in readiness for the family get together and before they all arrive, the oven fails to work. When the unforeseen happens, rather than a blind panic as to what to do, and who to call, imagine a park home where you’re protected against those unexpected breakdowns.

Boiler Breakdown Insurance

Boiler Breakdown Cover

 

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

Up to £350 per claim is for your boiler is more than 7 years old but less than 12 years old

No Excess Payable

Unlimited number of callouts in a year

Repairs guaranteed for 12 months

24 hour, 365 day a year emergency phone line

Nationwide Network of qualified boiler engineers

Boiler & Multi Appliance Cover

 

All that is covered under the boiler breakdown cover plus….

Up to £1,000 cover available for appliances less than 5 years old

Up to 50% contribution for appliances over 5 years old and less than 8 years old

Only £25 Excess payable

Option to choose which 3 appliances you want to cover

 

 

" 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

Cover (Boiler Only)

Cover (Boiler Only)

In the event that your boiler breaks down we will pay up to £1,200 per claim if your boiler is less than seven years old for call out, labour to identify the problem, parts, materials and VAT. 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.

There is no excess to pay, and there is no limit to the number of callouts in a year.

Significant Exclusions

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 that is more than 12 years old
  • 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 emergency repair that you authorise to be carried out before the claim is reported to us. Our claim line is open 24/7, 365 days a year.
  • 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.

FAQ

Yes, you are more than welcome to cover the boiler on its own, the appliance cover is an option to increase your cover.

This isn’t covered as part of your cover but we can certainly arrange this for you at a cost of £114 inc VAT although you will need to pay for any parts required as part of your service. Alternatively you can contact your local boiler engineer, and he can do this for you, however you must retain proof that the boiler has been serviced as we may ask for this at the point of a claim.
This has to be done annually. You need to have had your boiler serviced within the past 12 months to be able to enjoy this cover, and then the boiler must be serviced every 12 months thereafter to continue to enjoy the benefits of our boiler breakdown policy.
No, whether it is mains gas, LPG or Electric, the price is all the same. Unfortunately however we are unable to cover oil fuelled boilers.
This cover is only available for Residential Park Homes so unfortunately we are unable to provide cover on a holiday home or a caravan.
You need to check your policy wording carefully. Most home boiler cover products exclude Park/Mobile Homes from their cover.
Unfortunately we are unable to provide cover for caravans.
Any breakdown which happens before the start of the your period of insurance or within 14 days of this insurance will not be covered. The 14 day restriction only applies at the start of your policy; it does not apply when you renew your cover.
No there is no excess on the boiler cover and providing the boiler has been serviced in the past year the call out costs, repairs, parts, labour and materials will be paid directly to the repairer by your insurer.
We can arrange for your boiler to be serviced for £114 including VAT by a qualified boiler engineer.
No boilers under manufacturer’s warranty are excluded as they will deal with the fault
You can claim up to £1,200 per claim, for call out, labour, parts, materials, and VAT.
You can claim up to £350 per claim, for call out, labour, parts, materials and VAT.
There is no limit to the number of claims in a policy year.
If this is the case, we will give you £1,200 towards a replacement boiler if your boiler is less than 7 years old, or £350 towards a replacement boiler if your boiler is more than 7 years old.
We won’t provide cover for a boiler which is more than 12 years old. Like many things boilers have a natural shelf life, and have many moving parts which do eventually wear out. A boiler would naturally last about 10 years.
You can pay in one go by credit card, debit card or by cheque without any additional cost to you, or you can spread the cost over 11 months by direct debit, but there will be a small interest charge applied should you take this option.

Terms & Conditions (Boiler Only)

There are a number of Terms & Conditions within your policy that have to be met in order for a valid claim to be made. The key Terms & Conditions are listed below. Full details or all Terms & Conditions can be found in the full policy wording.

  • You must live in a Park Home as your main and permanent residency
  • Your property must not be left unoccupied for more than 60 consecutive days
  • Your boiler must be less than 12 years old and powered by gas or electricity only
  • Your boiler must be less than 70kw/hr and/or only used for domestic use
  • Your boiler must have been serviced within the past 12 months when cover is incepted and it must be serviced each year.
  • There must be no pre-existing faults with your boiler and it must be kept in good working order.
  • All claims must be reported to the claims administrators for claims to be validated and before repairs can be authorised.

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

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Cover (Boiler & Multi Appliance)

Cover (Boiler & Multi Appliance)

In the event that your appliance breaks down we will pay up to £1,000 per clam for call out, labour to identify the problem, parts, materials and VAT providing the appliance is less than 8 years old at the time of the breakdown.

In the event that your appliance needs to be replaced rather than repaired you will be required to pay a contribution towards the cost of the replacement appliance on the following basis:

  • 5 years and under = £25 excess
  • Over 5 years and under 8 years old = 50% contribution

We will provide cover for up to 3 appliances against breakdown. These will appear on your Policy Schedule.

Each appliance must be less than 8 years old and in good working order.

Significant Exclusions

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 Multi Appliance Cover for:

  • An appliance that is not listed on your schedule
  • 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.

FAQ

Unfortunately you can’t cover the appliances on their own, you must also take out the boiler option also.
Unfortunately you can only cover appliances where you have been the first owner of the appliance
You can choose any three of the following: Cooker, Hob, Cooker hood, Oven, Dishwasher, Freezer, Fridge, Fridge, Freezer, Microwave, Tumble Dryer, Washer/Dryer, Washing Machine.
At this stage 3 is the maximum number of products we can insure at one time.
Yes, but no cover will apply to the new product for 30 days after the change has been notified to us
There is a £25 excess for replacement of an appliance which is less than 5 years old and a 50% contribution to the cost of replacement for a product between 5 and 8 years old.
The cover starts 30 days after the policy is taken out but cover is continual when you renew your policy, providing no changes to the appliances covered are made.
Unfortunately we are only able to cover your Park Home which must be your main permanent residency and cannot be used for commercial purposes such as being rented out.
You must seek authorisation to use your own repairer by contacting the claims line. No cover for work you authorise without contacting them will be provided.
No, it would be better to include other items as no cover applies for products under the manufacturer’s guarantee period. Once outside of this period the item can be included by contacting us to add it to your schedule.
You can pay by credit or debit card (at no additional cost to you, or by cheque, alternatively we are able to spread the payments over 11 months.
Yes, if the appliance you are claiming for is less than 5 years old there is a £25 excess, however if the appliance is over 5 years old but less than 8 years old, then there is no excess but we will only pay 50% of the cost of its replacement.
Yes, we won’t provide cover for an appliance which is over 8 years of age. However if an appliance reaches this age, you can change the appliance we cover on your policy.
In the event of a claim please contact our claims administration team on 0344 856 3843, they are available 24 hours a day, 365 days a year.

Terms & Conditions (Boiler & Appliance Cover)

There are a number of Terms & Conditions within your policy that have to be met in order for a valid claim to be made. The key Terms & Conditions are listed below. Full details or all Terms & Conditions can be found in the full policy wording.

  • You must live in a Park Home as your main and permanent residency
  • Your property must not be left unoccupied for more than 60 consecutive days
  • Your boiler must be less than 12 years old and powered by gas or electricity only
  • Your boiler must be less than 70kw/hr and/or only used for domestic use
  • Your boiler must have been serviced within the past 12 months when cover is incepted and it must be serviced each year.
  • To add appliance cover your appliance must be less than 8 years old and appear on our approved list of appliances
  • There must be no pre-existing faults with your boiler or appliance and they are to be kept in good working order.
  • All claims must be reported to the claims administrators for claims to be validated and before repairs can be authorised.

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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Policy Document

PDF File Boiler Insurance - Policy Wording

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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.

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