Home Emergency FAQS2019-06-25T09:25:56+00:00

Home Emergency Insurance


Frequently Asked Questions

What have I purchased?2019-07-29T08:38:55+00:00

The product you have purchased is a non-advised product. This means that all the information was presented to you online, including the policy wording and the terms and conditions, which you opted into upon payment.

The Financial Services and Markets Act 2000 Section 3B(1)(d) provides ‘the general principle that consumers should take responsibility for their decisions’. Section 3C(2)(e) notes the general principle that those providing regulated financial services should be expected to provide consumers with a level of care that is appropriate having regard to the degree of risk involved in relation to the investment or other transaction and the capabilities of the consumers in question.

At Nova Direct we attempt to be as upfront with our customer base as possible and aim to provide all policy information upon purchase with the detail clarified on our website under our FAQs. We feel that this adequately provides all our customers with the information they need to appropriately decide whether our products are fit for your purposes. It is on that basis that our typical approach is, ignorance of our policy wording or terms of business are not valid defence against being held accountable by them.

How is personal risk to my health determined?2019-03-11T09:57:11+00:00

Personal risk will be determined at the sole discretion of our helpline. When assessing the personal risk to your health our helpline will consider your age, health history, lifestyle, personal circumstances, weather conditions and time of day. For example, an 80-year-old female without heating in the middle of the night and at the height of winter will be at a greater health risk than a 25-year-old male without heating in the middle of summer. The event itself must cause an immediate detrimental effect to your health which if left unattended will cause harm to your person.

What is an Emergency Event?2019-03-11T09:56:55+00:00

For an event to be deemed an Emergency event it must satisfy two tests.

The first is that the event must have been a sudden and an unexpected event. For an event to deemed sudden and unexpected it must have been reported to us within 24 hours of you first noticing the fault.

The second is that the event must do one of the following:

i. Render your home unsafe or insecure,
ii. Damage or cause further damage to the structure of your home,
iii. Cause personal risk to your health.

If you satisfy these two tests, your event will be deemed an Emergency event and our policy will provide you with assistance.

What is Home Emergency Insurance?2019-03-11T09:55:42+00:00

Home Emergency Insurance covers your home against ‘Emergency events’.

What have I bought and agreed to?2019-02-08T09:17:43+00:00

Please note that you have bought a non-advised insurance product.  This means that the policy terms and conditions were available at the time of purchase and you were required to read the terms and agree to them at the time of policy purchase.  By accepting these, and our terms of business, you have consented to be bound and be held accountable by both.  There is a general legal principle called Caveat Emptor, which means that the buyer alone is responsible for checking the quality and suitability of goods before a purchase is made.  Ignorance of the policy terms post purchase is not a valid defence to a claims denial, nor is it a valid defence against being bound by our Terms of Business.

How long will it take before I am covered?2018-12-10T16:11:00+00:00

As soon as you’ve completed the payment process you’re covered. Depending on the insurance package you take out, you have 7 – 15 days to email us your documents, if you do not email the documents your insurance will not be valid. For breakdown insurance you can claim after 72 hours for non starting issues. However for gadget and non starting issues there is a 30 day cooling off period.

How do I claim?2018-12-10T15:27:16+00:00

To make a claim you can either call in on 020 3745 8216 or send us an email to customer.service@nova-direct.com 

 

What documents will I need to claim?2018-09-26T11:48:38+00:00

We pretty much need any outstanding docs required for cover – your serial number as an example if you haven’t provided that yet. But if you’ve lost your phone or its been stolen you’ll need proof of blacklisting.

If you damaged your device and our suppliers do not have a suitable replacement device in stock, you will need to provide two (2) repair quotes.

How long does it take before my claim is paid out?2019-03-11T10:04:16+00:00

The claim payout will take approximately 2 weeks once we have received all the appropriate documents.

What happens if my claim is not accepted?2019-03-11T10:04:00+00:00

If your claim has been denied, there may be a few reasons. Make sure you have sent us all documents required within the first week of signing up. Make sure you are always on the right side of your policy. Remember to always carry a spare tyre. Remember you cannot claim for the same symptom within 28 days. We’ll let you know why your claim was denied, if this is the case. But most of the time its something we can help you resolve.

Does my protection continue automatically if my item is replaced?2019-03-11T10:03:44+00:00

If your device is damaged we’ll send you another one chop chop & you’ll be covered as if nothing happened.

However, if your device is lost or stolen we’ll stop the cover immediately just so you aren’t paying for something you don’t have. As soon as you get your new device your cover will kick in again.

Why am I not covered?2018-12-10T16:30:24+00:00

There may be a few reasons that you are not covered. Below is a list why you may not be covered for home emergencies

  • Toilet not flushing
  • If your boiler has not been serviced within the last 12 months and there is no certificate
  • You have lost the keys to the doors within your house
Can I change my policy?2018-12-10T15:07:27+00:00

You may change your policy or amend your details at any time, please note that there is an amendment fee of £4.99

If you wish to amend you details or change your policy, please contact customer.service@nova-direct.com 

I have mistreated your member of staff, what will happen now?2019-08-27T08:40:32+00:00

In order to treat our customers fairly we apply the terms of our policy wording and terms of business strictly to the letter irrespective of personal circumstances,  to ensure a uniform service to all our customers.  This does mean that on occasion a premium difference may occur on new policies, or your claim may be denied during a claims process.  In these instances we will endeavour to explain the reasons and will provide full details of this in a full and detailed written correspondence.  Whilst we appreciate that this may leave you frustrated, our staff are only doing their jobs and therefore deserve to be treated with dignity and respect.  Customers who take their anger out on our staff by using unacceptable language, threats and other such unacceptable behaviour may find their policies being cancelled off without further notice and no refunds of premiums paid being made.

Why am I paying again? I already paid for the cover for a year.2019-03-11T10:03:23+00:00

There is a few instances where you will pay extra

  • If you have taken out Bronze Excess, Silver Excess or Gold Excess cover there is an excess due
  • If you claim for the same symptom within 28 days and we assist you and arrange breakdown tow truck on your behalf it will be a cost of £100
  • Renewal of your policy once the 12 month period is up
Can you mail me my policy wording or schedule?2019-03-11T10:02:49+00:00

Yes, as a Nova – Direct Client you can receive a copy of your policy wording / Schedule on request. Please email customer.service@nova-direct.com with your request.

What have I bought?2019-03-18T09:31:02+00:00

Please note that you have bought a non-advised insurance product. This means that the policy terms and conditions were available at the time of purchase and you were required to read the terms and agree to them at the time of policy purchase. By accepting these, and our terms of business, you have consented to be bound and be held accountable by both. There is a general legal principle called Caveat Emptor, which means that the buyer alone is responsible for checking the quality and suitability of goods before a purchase is made. Ignorance of the policy terms post purchase is not a valid defence to a claims denial, nor is it a valid defence against being bound by our Terms of Business.

What is my broker number?2019-03-11T10:02:17+00:00

A broker is the party which has sold the policy to you. The broker is the party that places your risk with an insurer. They act as the intermediary between yourself and the insurer. Your brokers number should be stated in your policy schedule.

Who is my broker?2019-03-11T10:02:00+00:00

Your Broker is the party from which you purchased your policy. The name and contact numbers for your broker can be found on the original mail sent to you with your policy documentation.

Who do I speak to regarding a refund?2018-12-12T10:44:50+00:00

Refund requests can be sent to claims@pexinsure.com. Please ensure that you provide as much information as  possible regarding the reason for your refund request as well as any supporting documentation.

How long do I need to wait for my refund to reflect?2019-03-11T10:01:22+00:00

The refund process is started as soon as your refund request has been accepted. We do have to follow internal procedures which include verifying your identity as well as banking details. For this reason, a refund can take up to 4 weeks.

What counts as a home emergency?2019-03-11T10:00:22+00:00

Emergency cover is when your family or home is at risk due to the certain circumstances. This could be because of :

  • If you have a boiler that is about to breakdown and may burst
  • If your plumbing  is blocked  or you have a burst pipe or a leak
  • If your main electrical supply has gone due to sudden electrical failure
  • Home security , if you are locked out of your house and there is no spare key
Where are my cancellation fees detailed?2019-08-27T08:44:45+00:00

Our cancellation fees are detailed within our Terms of Business, which you confirmed that you had ‘read, understood and accepted’ at the time you completed your insurance application process with us online. These terms have been opted into and as per your acceptance, you have confirmed that you understood that ‘Ignorance of these terms post payment will not be deemed a valid defence against being held accountable by them’.

Do I not have a 14 day cooling off period?2019-08-27T08:46:51+00:00

The 14 day cooling off period allows you to exit your contract of insurance, which is an annual contract. It does not provide that you can exist the contract without any charges being applied. This means that if you request a cancellation within 14 days we will initiate one but a pro-rota charge will be made for your time on cover and our cancellation fees, which are administrative fees, will still apply irrespective of time on cover. These charges are detailed within our Terms of Business.

There appears to be a myth that the 14 days cancellation period does not invoke any fees at all and that customers are entitled to an automatic full refund. This is incorrect.  Under the FCA’s Insurance Codes of Business Sourcebook (ICOBS), rule 7.2.2,  we are entitled to charge you for the services that you have used regardless of your time with us.  Our cancellation fee cover our resource costs, advertising costs and the cost of our pre-acceptance searches.  Full details of our cancellation fees can be found in our Terms of Business.

Does my policy include boiler breakdown?2019-04-29T11:40:54+00:00

Boiler Breakdown usually covers the repairs and/or replacement of a home boiler following a partial or complete breakdown of your primary heating system. Our Home Emergency policy does not include Boiler Breakdown cover but instead provides temporary emergency relief to personal risk created within your household following the complete loss of your primary heating system.

When will you service my boiler?2019-04-29T11:41:40+00:00

If you have bought our Home Emergency Platinum Cover, it is a requirement that your boiler has been serviced within the last 12 months for cover to apply. We will service your Boiler within 14 days of the policy expiring, and renewal of your existing cover.

Who are Nova Direct and are you regulated?2019-07-24T12:42:54+00:00

Nova Direct is a trading name of Policy Excess Insure Ltd. We are regulated by the Financial Conduct Authority under firm no. 836031. Our FCA registration can be checked at https://register.fca.org.uk. Nova Direct is an authorised insurance intermediary, or broker, who places insurance risks with a panel of insurers.

Who are Nova Premium finance?2019-07-24T12:45:09+00:00

Nova Premium Finance Ltd are regulated by the Financial Conduct Authority under firm no. 716933. Nova Premium Finance’s FCA registration can be checked at https://register.fca.org.uk. Nova Premium Finance Ltd are an authorised credit lender who charge interest on monies lent. Their typical interest rate can range between 11% and 15% depending on your risk and credit score. Nova Direct and Nova Premium Finance are not the same company but do operate under a linked arrangement.

What assistance will I get?2019-03-11T09:59:28+00:00

The assistance provided under our Home Emergency policy is limited to a temporary fix. The purpose of the policy itself is to alleviate further distress or damage caused by the event itself. For example, if you have a leaking pipe the engineer will stop the water flow. If a permanent fix is possible at the same cost of a temporary repair, our engineers may provide the permanent fix at no further cost to yourself. However, this is not a right under the policy and will be at the sole discretion of the attending engineer.

What are the requirements to lodge a claim for assistance with my primary heating system?2019-03-11T09:59:02+00:00

In order to lodge a claim for assistance with your primary heating system the following must first apply:

i. Your heating system must have been serviced within the last 12 months and a certificate of service must be available,
ii. Your heating system must not be older than 15 years old,
iii. Your heating system must have undergone a complete failure.

Your Home Emergency Insurance policy only covers 1 heating failure per policy term.

Under what circumstances will my claim for assistance be denied?2019-03-11T09:58:32+00:00

The key situations where your insurance claim maybe denied are as follows:

i. Claims within the first 30 days of your policy commencing,
ii. Claims for events which are not deemed emergencies,
iii. Claims for primary heating systems which have not been serviced within the last 12 months,
iv. Claims for general maintenance following wear and tear to your home.

Under what circumstances will my policy provide assistance?2019-03-11T09:58:04+00:00

Your home emergency policy provides cover for the following emergency events:

i. Plumbing and drainage
ii. Restoration of an electricity supply
iii. Security to your home e.g. broken fitted locks
iv. Primary heating systems
v. Inoperable toilets
vi. Damage to roofs
vii. Pest control
viii. Damage to an internal gas supply

We suggest that you thoroughly review your policy wording in order to understand which events are covered and under what circumstances.

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