Home Maintenance Assist
This is a maintenance service – providing access to essential services that may be required in an emergency within the principal household and adjoining buildings of the Eligible Person.
ELECTRICAL
We cover maintenance related repairs that may appear in the following areas:- Lightning strike on wiring only.
- Faulty lights and light fittings.
- Faulty plugs.
- Faulty circuits.
- Replacement of burnt connections and plug points.
- Power failures.
- Distribution boards.
- Earth leakage relays.
- General household wiring.
- Main cables.
- Light switches.
- Geyser connections thermostats and elements.
- Municipal Connections (within the Eligible Person’s property).
- Connections to all electrical motors and points (for personal lines only).
Electrical Exclusions
We will not be liable for:- Changing or replacement of light bulbs.
- Repair or replacement of specialised lighting and light fittings (For example: neon lights, low voltage lights, transformers, spots and the like).
- Repair or replacement of intercom and Mircom systems.
- Repair or replacement of under floor heating.
- Any damage whatsoever as a result of power surge from the power supplier.
- Compliance Certificates and any items required to be attended to in order to comply with an Electrical Certificate of Compliance.
- Loss of neutral causing power surge.
- Refitting or replacement of tiles and paving or any other consequential damage.
- Underground electrical fault detection.
- Municipal Power Failures.
PLUMBING
We cover maintenance related repairs that may appear in the following areas:- Water leaks
- Tap washers
- Toilet leaks
- Toilet rubbers/seals
- Geyser valve and overflow
- Burst pipes
- Blocked baths, toilets, traps, sinks and drains
- Shower outlets
- Seeding of taps
- Municipal water connections (within the eligible person’s property).
- Underground water fault detection
Plumbing Exclusions
We will not be liable for:- Blockage due to cement, collapsed pipes, extensive tree roots, or other foreign objects, which cannot be opened by standard drain equipment
- Replacement of re-routing of pipes
- Specialised or imported sanitary ware
- Replacement of taps
- Cleaning septic tanks and French Drains
- Refitting or replacement of tiles and paving or any other consequential damage
- Burst geyser(s), including any consequential losses – whether direct or indirect – as well as any damage/loss to geyser(s) (valves, thermostats or overflow) which is covered by any other insurance/ warranty scheme/maintenance plan.
MOTOR
We cover maintenance related repairs on the following motors:- Electric gate motors
- Electric garage door motor
- Electric pool or Jacuzzi motors.
Motor Exclusions
We will not be liable for:- All remote controls and receivers
- Cleaning, repair and replacement of filters
- Booster pumps
- Mechanical cover, such as gear boxes and bearings.
APPLIANCE(S)
We cover maintenance related repairs on the following white appliances:- Microwave
- Stove
- Fridge
- Freezer
- Washing Machines
- Tumble Dryers
- Dishwashers.
ELECTRONICS
We cover maintenance related repairs on the following brown appliances:- TV
- Hi-Fi
- DVD
- VCR
- Repair or replacement of faulty parts of appliances where the appliance:
- Was not in good working order at the commencement date of this insurance.
- Was mishandled or used other than in compliance with the manufacturer’s specifications
- Breakdowns arising as a result of misuse or items not being operated in accordance with the:
- Manufacturers/installer’s design intentions
- Where the parts are no longer available or the items irreparable
- Repair the external framework, external wiring, and the cabinet or non-functional cosmetic part of the appliance
- Changing or replacement of light bulb
- Repair or replacement of TV antennas or aerial devices or satellite dishes
- All remote controls and receivers
- Cleaning, repair or replacement of glass shelving/tops or auxiliary items (eg. icemakers)
- Routine cleaning of video heads and CD and DVD pick-up eyes
- Gas refill for fridges and freezers
- Appliances in excess of eight (8) years of age or if parts are no longer available from the manufacturer or their agent in South Africa.
OTHER
We cover related expenses on the following services subject to a maximum indemnity of R1 000 (incl. VAT):- Tree felling
- Bee Keepers
- DSTV/TV installations
- Handy man (once per annum)
- Locksmith – replacement of one lock per claim
- Rubble/rubbish removal
- Carpet/upholstery cleaning
- Fumigating
- Gutter cleaning
- Window washing services
- Energy savings consultation
TERMS & CONDITIONS
General Exclusions on Cover
We will not be liable for:- Repairs affected by a party other than the company or one of its duly appointed service providers
- Loss or damage caused by fire, lightning, storm, water, malicious or accidental damage, theft or any risks covered in terms of a standard multi-peril or personal lines/commercial insurance policy
- Compensation for consequential damage of any nature
- The first amount payable and the amount to the claim in excess of the covered limit, as stated on the schedule in respect of each and every event which gives rise to a claim, which amount shall be payable to the service provider on completion of the repair
- Repair or replacement of any breakdown to items or any part thereof covered by the manufacturers installer’s warranty / guarantee or the National Home Builders Registration Council’s Warranty Scheme
- Upgrading of infrastructure
- Damage occuring in connection with or resulting from aesthetic defects, such as cracks, scratches or dents, insofar as they do not adversely affect the normal operation of the insured property
- Breakdown of items or parts recalled or to be recalled by the manufacturer/installer
- Loss or damage resulting from any commercial or profit-making activity which is conducted from the home unless such activity has been notified to and accepted by ourselves
- Damages which may be caused whether direct or indirect by repairer/sub-contractors of any items/ property in the home in the course and scope of repairing the damage/loss.
The following maximum cover per claim, faults per claim and excesses are applicable:
| Product | Maximum cover per claim | No. of faults per claim | Excess per claim |
|---|---|---|---|
| Electrical & Plumbing | R2,000 | 4 | R280 |
| Appliances, Motor, Electronics & Locksmiths | R2,000 | 1 | R280 |
| Other & Relocation | R1,000 | 1 | R280 |
The following terms and conditions are applicable:
- This is a maintenance product and does not cover replacement of appliances, geysers, motors, etc
- We will not be liable for any claims not reported to the contact centre or where we have not appointed the service provider
- Repairs are subject to parts being readily available from suppliers
- The applicable excess and any amounts exceeding the maximum indemnity must be paid directly to the service provider
- R280 excess is applicable for all claims (incl. VAT) for Electrical, Plumbing, Appliances, Motor and Electronics
- No hand held appliances are covered
- All costs over the limitation specified will be for the client’s own account.
OVERALL LIMIT OF R4 000 PER ANNUM PER POLICY
ACCESS TO SERVICES
The following maximum indemnity, faults per claim and excesses are applicable:
We have a large database of reputable service providers. The members can have access to these service providers, on a referral basis (and will be for the client’s own account), in the event of them requiring assistance or service with the following:
- Household Contents Evaluators
- Landscaping Consultants/Garden Services
- Waterproofing
- Security Consultants
- Interior Consultants
- Pool Maintenance
- Builders
- Glaziers
- Household Evaluators
- Carpet Specialists
- Painters.
