Home Entertainment Insurance
What is insured?
Cost of repair
Pay the cost of repairing your insured product by a qualified repair engineer or the cost or replacing it with another item of the same or similar specification, up to the maximum sum insured.
Domestic Appliance Under 5 Years Old
If your Domestic Appliance Product was under 5 years of ages at the time you purchased your policy and is declared BER, we will replace the product with a product of similar specification and functionality.
Domestic Appliance 5 to 8 Years Old
If your Domestic Appliance Product is over 5 years of age but less than 8 years at the time you purchase your policy and is declared BER, we will contribute to a replacement as outlined in the Contribution Table below:
| Product Age | Contribution |
|---|---|
| Between 5 & 7 years old | 40% |
| Between 7 & 8 years old | 25% |
Electrical Appliance Under 3 Years Old
If your Consumer Electronic Product was under 3 years of ages at the time you purchased your policy and is declared BER, we will replace the product with a product of similar specification and functionality.
Electrical Appliance Over 3 Years Old
If your Consumer Electronic Product is over 3 years of age but less than 8 years at the time you purchase your policy and is declared BER, we will contribute to a replacement as outlined in the Contribution Table below:
| Product Age | Contribution |
|---|---|
| Between 3 & 5 years old | 75% |
| Between 5 & 7 years old | 40% |
| Between 7 & 8 years old | 25% |
What is not insured?
Main Exclusions only
- Repairs or replacements for any domestic appliance or consumer electronic product(s) will not be provided if they re still covered by any manufacturer’s, supplier’s or repairer’s warranty or arise from or in the event of:
- Any unauthorised modification of the domestic appliance or consumer electronic product(s) including (without limitation) any upgrade not authorised by the person who supplied it to you or addition of any accessories not approved by the manufacturer.
- Where any damage to a domestic appliance or consumer electronic product has been caused by loss, theft, or attempted theft.
- Cosmetic damage such as damage to paintwork or dents or scratches to the domestic appliance or consumer electronic product(s).
- Any claim occurring within 28 days of the inception date of your Policy.
- Deliberate or malicious damage or neglect of the product(s).
- The replacement of the product where it is declared BER and was over 8 years of age at the time of inception of the policy.
- Claims arising as result of normal wear & tear.
- Routine maintenance, cleaning and servicing of the domestic appliance or consumer electronic product(s) supplies or services to your home.
- Any costs or expenses which are not directly associated with the incident which caused the claim. For example, the cost of replacing any data or software which was stored on an item of equipment.
Are there any restrictions on cover?
Main Restrictions only
- Your equipment must not have been damaged before the start date of this insurance.
- Your Policy Schedule will state if an Excess applies to your policy. Please note there is a compulsory excess of £50.00 on all claims occurring within the first 90 days of cover. The compulsory excess of £50.00 is also applied to all appliances over 6 years of age. The compulsory Excess does not apply if You have included a voluntary Excess.
Where am I covered?
Covered
- Your equipment must not have been damaged before the start date of this insurance.
- Your Policy Schedule will state if an Excess applies to your policy. Please note there is a compulsory excess of £50.00 on all claims occurring within the first 90 days of cover. The compulsory excess of £50.00 is also applied to all appliances over 6 years of age. The compulsory Excess does not apply if You have included a voluntary Excess.
What are my obligations?
Disclosing important information
(This applies if you are a private individual taking out the insurance wholly or mainly for purposes unrelated to your business, trade or profession) You must take reasonable care to provide complete and accurate answers to questions you are asked when you take out or make any changes to your policy.
Duty of fair presentation
(This applies if you are taking out the insurance contract in any other capacity) Under the Insurance Act 2015, you have a duty to make fair representation of the risk to us before the policy starts, when you make any amendments to your cover and when you renew your policy. This means you must:
- a) Disclose all material facts which you know or ought to know (A “material fact” is information that would influence our decision as to whether to inure you and, if so, on what terms)
- b) Make the disclosure in a reasonably clear and accessible way and;
- c) Ensure that every material representation of fact is substantially correct and made in good faith Full details of what constitutes “fair presentation” and the consequences of breaching this duty are given in the Policy Document