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essay helponline essaysA defined word or phrase is in bold type each time it appears in the Cover and has a specific meaning or they are important words. Other words may be in capital letters which means they are also important words. Words in the singular shall include the plural and vice versa. Words importing the masculine will import the feminine and the neuter.

Definitions

Damage(d) means impairment requiring repair or replacement arising from a cause not otherwise excluded. Damage does not include damage caused by You.

Call-out fee means the first amount of each and every call out payable by You before We deploy an engineer or as otherwise stated herein.

Initial Package Start Date means the date You take out Your first Cover as stated in the Schedule.Cover does not commence until 28 days after the initial Package Start Date

Property/Home The private dwelling, garage and domestic outbuildings (excluding sheds, greenhouses, non-permanent structures and garden areas) all within the property boundary at the address shown on your cover documentation. It must be your permanent home and owned and solely occupied by you and your family as a private residence with no business use. Mobile homes, bedsits, and sub-let properties are not covered. See Landlord Packages for letting properties.

Cover means this document which contains all the terms and conditions of the cover package.

Package Period means the period as stated in the Schedule.

Monthly Payments means the payments are paid monthly and should You fail to pay an instalment or fail to maintain a Direct Debit/Standing Order Mandate and such default is not corrected within the time permitted by the Consumer Credit Act 1974 the whole of the outstanding payments will become due and payable. If this sum is not paid within seven days, the cover will lapse. Should Your cover lapse due to the non-receipt of the Monthly

We/Us/Our means Multi Serve Home Care Limited

You/your The permanent occupier of the property as recorded on your cover documents and your spouse/partner and family who live with you

Engineer – an approved Gas Safe registered engineer – our direct employer or our approved contractor. We sometimes use sub contractors to reduce work load to give best customer service.

Domestic Central Heating Boiler The central heating boiler contained within and supplying your property, fired by natural gas (excluding warm air heating) from the appliance isolating valve, including all manufacturers fitted components within the boiler together with the pump, motorised valves, thermostat, time, temperature and pressure controls. The maximum permissible output of your private domestic Natural gas fired boiler is 70 kW/hr

Breakdown and/or failure – Sudden or unforeseen electrical or mechanical malfunction of the Domestic Central Heating Boiler which renders the system inoperable.

Beyond Economical Repair The point at which we estimate that the cost to repair your boiler exceeds its value (based on the scale of valuations according to age and boiler type). In the event of the boiler being found beyond economical repair a £200 contribution will be made towards the replacement of the boiler if you will choose us to install a new boiler and the policy will cease.

Powerflush means a product that is designed to remove sludge and other waste from central heating systems.

Exclusion Period Once you have bought the cover we will do our first visit inspection of your boiler within 28 days of your cover starts to prevent call out on pre-existing problems. Providing you renew before the expiry of your cover, the exclusion period does not apply after your first year of cover. Call out made before first visit will be subject to be charge Call-out fee of £99 + Parts or Yearly Cover

Upgrades are changes to your system which will improve its efficiency or safety. Upgrades include replacing working radiators with improved models or replacing standard radiator valves with thermostatic radiator valves. The cost of upgrading your system is not included in your Cover.

Law and Jurisdiction If You live in England, Wales or Northern Ireland this Policy is subject to the laws of England and Wales and the

jurisdiction the courts 01– I nglittid and Wales. If You live in Scotland this Policy is subject to the laws of Scotland and the jurisdiction the courts of Scotland.

What is Your cover

Your selected cover is stated:

Name:

Address:

Post Code:

E-mail:

Telephone:

Customer Signature:

Print Name:

SECTION 1 – Central Heating Boiler & Controls

You get all of the benefits of Boiler and Controls Breakdown Cover or Central Heating Breakdown Cover, plus the following: • A First Service in your first Period of Cover and an Annual Service Visit in future Periods of Cover for your boiler (if you have Boiler and Controls Cover) • Accidental damage — For Boiler and Controls Cover, we will cover accidental damage for a single gas boil sand controls. • For the first three months after the Initial Cover Start Date Our limit of liability for any boiler Damage (excluding replacement) is a maximum of £300 arlsIttb from any one breakdown.

SECTION 1.2 – Central Heating Boiler & Controls Exclusions

These exclusions plus “General Exclusions” in Section 3 apply. The following are not included in your Cover:

  • Repairing damage caused by scale, sludge or other debris if we have told you on a previous visit that permanent repairs, improvements or a Power flush (or a similar cleaning procedure) are needed to help make sure your appliance or system works properly and you have not taken the recommended action.
  • Repairing or replacing flues, including the flue terminal, that are over 1 metre in length.
  • Repairing or replacing the flue, including the flue terminal for any open flue appliances.

 

  • Servicing and maintaining electric boilers.
  • Repairing or replacing parts of your central heating system and controls that are specifically designed for piped or electric underfloor heating
  • Any boiler over 70kW and/or not purpose built for domestic use.
  • Topping up of system inhibitor levels
  • Separate gas hot water heaters;
  • Electric, Liquid Petroleum Gas (LPG) solid fuel or oil fueled boilers, and dual—purpose boilers (such as but not limited to Aga, Rayburn);
  • Gas fires, or any other gas fired device not being a central heating boiler used for domestic purposes only;
  • Condensate pumps;
  • Any filter or related device for the purpose of removing sludge, scale or other debris from Your central heating or plumbing system unless integral to the boiler;
  • Due to or resulting from lack of normal day—to—day maintenance for which You are responsible including but not limited to re-pressurizing the boiler, adjustments to the timing, temperature and other controls of the domestic central heating boiler, venting (bleeding) of radiators or the addition of corrosion inhibitors;
  • Any defect or failing which may be attributed to the original design of Your gas fired domestic central heating system, central heating boiler or its component parts;
  • Repair or replacement of non-standard or extended flue systems;
  • Any problems relating to condensate pipes caused by freezing weather conditions;
  • Programming Your central heating boiler controls or replacing batteries.

SECTION 2 — Central Heating System

We will Cover You for Damage to Your central heating system including but not limited to the external thermostat, radiator and valves, hot water tank, feed and expansion tank, pipes and fittings.

SECTION 2.1 – Exclusion

These exclusions plus “General Exclusions” in Section 5 apply. The following are not included in your Cover:

  • Gas fires, solar panel or ‘green’ or ‘renewable energy’ systems;
  • Unvented hot water tanks and related parts either internal or external to the boiler;
  • Indirect mains pressure hot water tanks, (including but not limited to Mega flow, Boiler Mate);
  • Your central heating and/or heating controls specifically designed for piped or electric underfloor heating systems;
  • Remote control central heating systems, mobile phone or any other Internet connected heating control equipment whose primary purpose is operating Your central heating system;
  • Electric central heating systems;
  • Warm air central heating systems Any Damage due to or resulting from lack of normal day—to—day maintenance for which You are responsible including but not limited to re-pressurizing or balancing of the central heating system, adjustments to the timing, temperature and other controls of the domestic central heating boiler, venting (bleeding) of radiators or the addition of corrosion inhibitors;
  • Any defect or failing which may be attributed to the original design of Your central heating system or its component parts;
  • Any Damage caused by or arising from sludge, scale and other debris in the central heating system and related pipework;
  • Any filter or related device for the purpose of removing sludge, scale or other debris from Your central heating or plumbing system;
  • Repair or replacement of non-standard or extended flue systems; Any problems relating to pipes and condensate pipes caused by freezing weather conditions.

SECTION 3 Plumbing & Drainage

We will provide Cover to your:

  • Plumbing and damage to blocked or leaking internal/external drains, waste pipes and water supply, for which You are solely responsible located within the boundary of Your property.
  • The engineer will unblock, repair or replace the plumbing, internal/external drain, waste pipe or water pipe in order to resolve the immediately.
  • Replacement of the plumbing, internal/external drain, waste pipe or water pipe will only be carried out if the replacement cost is the same or less than the emergency repair cost.
  • The maximum We will pay arising from any one time call under Section 3 is £1000.
  • You will have to pay the first £50 of each and every time where Multi Serve home care deploy an engineer for internal external drainage.

Section 3.I – Exclusions

These exclusions plus “General Exclusions” in Section 5 apply. The following are not included in your Cover:

  • Taps and any related tap fault, water softeners and water filters, combined overflow and pop-up waste mechanisms.
  • Any shared plumbing or internal/external drain with any other property,
  • Any breakage or repairs to toilet cisterns, bath and shower seals or grouting, spa baths, Jacuzzi including pumps and valves.
  • Plumbing or electric power supply between Your Home and any outbuildings.
  • Damage caused by or resulting from leaking appliances (including but not limited to showers, shower trays, toilets pan and or toilet flushing systems).
  • To the contents of Your Home or any personal possessions being Your property or the property of any other person resident or visiting Your Home.
  • Plumbing systems which have not been installed, serviced or maintained in accordance with established practice, statutory regulations, British Standards or EU standards.
  • Drains or waste pipes for which You are not solely responsible.
  • Temporarily frozen pipes which have not resulted in Damage which would have been covered hereunder had the Damage occurred.
  • Sewers, cesspits, septic tanks and any outflow pipes external to Your Home which are or are not connected to the main sewer.
  • Vacuum drainage systems, shared drains or sewers, and drains or sewers outside the boundary of Your property.
  • Which occurs following a Multi Serve home care engineers previous visit in the Cover Period for a call out under Section 3 where You have previously been advised of the need to install access points at Your own cost.
  • Swimming pools or similar, Jacuzzi or spa baths, decorative features including but not limited to ponds, fountains and any associated pipes, valves or pumps.
  • To the contents of Your Home or any personal possessions being Your property or the property of any other person resident or visiting Your Home.
  • Any Damage to pumps including but not limited to sewerage pumps, any associated electrics or valves, water softeners, waste disposal units and macerators, Jacuzzi or spa baths.
  • Any Damage whatsoever to drains or sewers caused by tree roots or subsidence, heave or landslip, earthquake or sink hole.
  • For the removal of any items deemed to be unsuitable for public drains and sewers.
  • For any repair work that may be required in addition to an emergency repair, repairs required to avoid the problem re-occurring or to ensure Your drainage system is restored to an adequate functional standard for ongoing use.
  • We will not indemnify You for any re-alignment of drains or sewers or pipe work thereto to avoid a recurrence.
  • Any water supply pipe that is deemed to be the water company’s responsibility.
  • Any work required on a water supply pipe outside the boundary of Your property or for which You are not responsible or fresh water pipes beneath or inside any building or outbuilding.
  • Frozen pipes the Damage from which has not resulted in a leak or permanent blockage.
  • Any fixtures including lead piping where replacement is only necessary as a result of legislation or health and safety guidelines, or to meet current best practice.

You get all of the benefits of Electric Cover:

  • Electric systems provided that the electrical supply is 240v and the Damage occurs within Your Home, beyond the electricity company’s supply meter or other monitoring or measuring device.
  • The maximum We will pay arising from any one time call under Section 4 is £1000.

Section 4.1 – Exclusions

These exclusions plus “General Exclusions” in Section 5 apply. The following are not included in your Cover:

  • Repairing controls, pumps, detectors, timers and programmers.
  • Repairing or replacing the mains supply up to the fuse box.
  • Repairing the parts of the power supply between your Home and the outbuildings on your property.
  • Repairing or replacing wiring encased in rubber or lead.
  • Repairing accidental damage to the main electrical
  • consumer unit or fuse box.
  • To the electric company’s supply meter or any other type of monitoring or measuring device, any kind of electrical appliance including but not limited to household domestic appliances, computers, mobile telephones, laptops or any other device which can be plugged into the electricity supply or any other form of power supply (such as but not limited to batteries, power packs, solar power) electric hot water pumps, any part of Your water system designed to increase mains water pressure.
  • Any alarm systems or security lighting, solar or photovoltaic panels.
  • Any electrical “Terminal Ends” (such as but not limited to light bulbs, electric showers).
  • Any wiring not installed to the regulatory standards or in a dangerous condition.
  • Any wiring that is sheathed or cased in fabric.
  • Fuse in spur or appliance plugs.

SECTION 5 – General Exclusions

These General Exclusions apply on every cover taken from Multi Serve home care Limited. We do not cover:

  • Nobody other than You will be able to benefit from this Cover, which cannot be passed to someone else without Our prior agreement.
  • Any loss resulting from inadequate pipe lagging.
  • Damage to any building, ground. land (unless otherwise stated herein), Home contents (including but not limited to furniture, soft furnishings, clothing and wearing apparel, TV’s DVD’ Stereo, jewelry, furs, money stamp collections, works of art ).
  • Any Damage arising from circumstances where a fault is determined to have been present prior to the Initial Policy Period commencement of cover date.
  • Costs incurred where You have been advised of the need to carry out permanent repair work to avoid repetitive situations leading to a breakdown and/or failure. Such work will need to be carried out at Your own expense.
  • Any Damage occurring where Your Home has remained unoccupied for 30 or more consecutive days.
  • Damage arising as a result of disconnection or re-connection from or interruption to the gas, electricity or water mains services to Your Home.
  • Normal day-to-day maintenance of the elements covered by Your Policy at Your Home, for which You are responsible.
  • The restoration of any fixtures or fittings (e.g. fitted units, special floor coverings such as wood block or
  • ceramic tiles etc.) removed in the process of conducting the repair.
  • Any liability for consequential loss whatsoever.
  • Any repair which is too difficult or dangerous to access safely or where asbestos is present.
  • Damage caused by rodents or pests.
  • Any fixtures where replacement is only necessary as a result of legislation or health and safety guidelines, or to meet current best practice. Systems and/or equipment which has not been installed, serviced or maintained in accordance with established practice, statutory regulations, British Standards, EU standards or manufacturer’s instructions.
  • Any defect, Damage or breakdown caused through malicious or willful action, negligence, misuse or third party interference including any attempted repair or modification to the domestic central heating boiler, electrics or internal plumbing which was not carried out by a Our engineer;
  • Damage caused to the property and/or its contents whilst completing a repair will not be reinstated to the original condition. The Multi Serve home care engineer will advise if any Damage is likely to occur.
  • Any costs above the limits of cover. If there are any You are responsible for agreeing and settling these costs directly with the Our engineer;
  • Any losses that are indirectly associated with the incident that caused You to call us out, unless caused by Our negligence or that of Our agents. Loss of earnings due to time taken off work to deal with the incident will not be covered.
  • The costs of any work carried out by You or contractors not authorized by Us in advance.
  • Any investigative work (such as CCTV), where the incident which caused You to call us out has been resolved.
  • Any defect, loss or Damage occasioned by fire, lightning, explosion, storm, tempest, flood, earthquake impact, sprinkler leakage.
  • Any loss arising from subsidence, heave of the site or landslip, bedding down of new structures; demolition or structural repairs or alterations to the property; faulty workmanship or the use of defective materials; river or coastal erosion.
  • Any loss or Damage arising as a consequence of: war, invasion, act of foreign enemies, terrorism, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection, coup, riot or civil disturbance ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel, the radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or its nuclear component.
  • We will not cover the cost of repairs needed because of design faults, or faulty materials, operating error or omission by You, or which the Our engineer could not identify using reasonable care and skill.
  • We will not cover Damage caused by You for work undertaken by a third party which results in Damage.
  • It is agreed that this cover excludes loss, Damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with the actual or threatened malicious use of pathogenic or poisonous biological or chemical materials regardless of any other cause or event contributing concurrently or in any other sequence thereto.
  • We do not Cover any loss, Damage, claim, cost expense or other sum directly or indirectly arising out of or relating to mould, mildew, fungus, spores or other micro-organism of any type, nature or description including, but not limited to, any substance whose presence poses an actual or potential threat to human health.

This exclusion applies regardless whether there is:

  • Damage to property insured;
  • any contingency or cause whether or not contributing concurrently or in any sequence;
  • any loss of use occupancy or functionality ;
  • any action required including but not limited to repair, replacement, removal, clean-up, abatement, disposal, relocation or steps taken to address medical or legal concerns. This exclusion supersedes and replaces any provision either in whole or in part in this Cover that provides insurance for these matters.
  • We shall not Cover You for any Damage which is the subject cover under any other Policy covering the Damage.
  • If We become liable for any payment under this Cover for a loss, We shall be subrogated to the extent of such payment to all the rights and remedies of Yours against any party for such loss and We shall be entitled, at Our own expense, to sue in Your name. You shall give Us all such assistance in Your power as We may require to secure Our rights and remedies either before or after indemnification.

SECTION 6 – Your Cancellation Rights

You can cancel your Cover with Multi Serve Home Care Limited at any time by writing to Multi Serve Home Care Limited, 72 Hyde Park Street, Glasgow, G3 8BW.

Cancelling Your Direct Debit/Standing Order does not mean You have cancelled Your Policy. If You have had any call out during that period, We may require You rebate to Us 50% of the cost of the labour and material.

SECTION 7 – Our Cancellation Rights

We may cancel your Cover in the following circumstances:

  • If we find something wrong at a First Visit.
  • If there has been any misrepresentation, incorrect description or non-disclosure in any material particular by You or anyone acting on Your behalf.
  • If there are health and safety issues.
  • If you do not give us access to your property if this is needed.
  • If We are not able to find parts to keep Your system or appliance working;
  • If improvements we tell you are needed are not completed. If we fail the First Visit, we will give you a full refund of any money you have paid. If we cancel your Cover at any time after your First Visit, we will refund any money you have paid for the time left to run in your current Period of Cover, unless we have carried out work, in which case cancellation charges may apply

Smell Gas?

Any gas leaks MUST in the first instance be reported to the National Gas Emergency Service on 0800 111 999.

Complaints

We will always aim to do our best but unfortunately there may be times when things go wrong. In the first instance If You have a complaint please telephone Multi Serve Home Care Limited, send an email to customer service or write to Multi Server Home Care Limited ,72 Hyde Park Street, Glasgow, G3 8BW, We will try to deal with the matter immediately but if we can’t then we will keep You regularly informed about the progress of their investigation.

If You appoint someone to act on Your behalf If You ask someone else to act on Your behalf You should provide Us with written authority to allow Us to deal with them.

If You employ a professional to represent You, You will need to meet their costs Yourself.

Important Notice

  • In the event of missing arranged Annual Service or Breakdown/repair appointment, You will be responsible to contact us to re-arrange the appointment.
  • Access for engineer to Your property to carry out any necessary work is one of your responsibility.
  • If engineer cannot gain access or considers that the circumstances are such that it is difficult or dangerous to carry out the work or where there is a risk to health or safety the engineer may discontinue the service or repair.
  • Should there be the presence of hazardous materials, infestation or any abuse (physical or verbal) the engineer may discontinue the service or repair.
  • If You do not arrange an appointment or grant access, Your Cover will continue even though the necessary work has not been carried out. If, after several attempt You have not made an appointment or otherwise granted access, We may cancel Your Cover.
  • If replacement parts are not readily available, We are not responsible for any delays caused by to obtain spare or replacement parts.
  • Replacement parts for plumbing and electrical system are not provided on a “like for like” basis but are replaced with the industry standard equivalent at Multi Serve home care’s discretion.
  • If a leak from internal pipework is discovered and is not easily accessible, the leak must be exposed prior tc the engineer’s attendance,
  • We may change any of the terms upon which We provide the level of cover, or any other term whatsoever. Where this change benefits/affects You, We will make the change immediately and notify You of the change. In all other cases we will write to advise You of the change at least 30 days prior to any change taking effect.

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