Pipework outside the boundary of your home.
Leaks from household appliances, sinks, baths, or showers where the leak only occurs when the item in use.
Frozen pipes which have not caused any damage.
Guttering or rainwater downpipes, rainwater drains and soakaways.
Blocked toilets that are not leaking, or overflowing, and where there is another toilet in the home.
Repairs if your boiler is deemed beyond economical repair, has not been serviced in accordance with manufacturer’s guidelines or is more than 15 years old.
In relation to electrical cover - domestic appliances or items with a plug.
In relation to electrical cover - swimming pools, fish tanks, ponds, burglar and smoke alarms, satellite/TV equipment, doorbells, garage doors, shower units, portable and fixed heating units, power generating systems including solar panels and wind turbines, any 3 phase electrical systems or garden areas.
Any external gas supply pipe or anything piping that is the responsibility of the National Grid.
Pest infestations outside the main house at your home (for example in garages, other outbuildings or in the garden.
Trip or Fall
Where an appliance has caused a circuit to fail or trip.
Any incident within the initial exclusion period after the start date of your policy.
Lack of Maintenance
Any item or system which has not been regularly maintained and/or serviced in accordance with manufacturer’s instructions or recommendations.
Claims arising whilst or immediately after your home has been left unoccupied for 60 or more consecutive days.
Any work carried out by you or any other person which was not authorised by the claims administrator in advance.
Wear and Tear
Any parts or item which may need to be replaced due to natural wear and tear and/or gradual deterioration.