performed and certified by an Approved Contractor in England

or Wales in accordance with Part P of the Building Regulations.

Introduction

This Warranty Policy describes the warranty insurance cover provided by Us in respect of Electrical Installation Work performed and certified by an Approved Contractor in accordance with the Building Regulations 2000 (as amended). This is an important legal document. Please keep it in a safe place.

The Warranty Certificate and the Warranty Policy shall be read as if they are one document. Certain words in this Warranty Policy and in the Warranty Certificate have special meanings and have been printed in bold type; the meanings of these words are explained in the Definitions Section. In no circumstance may any aspect of the cover provided by this Warranty be varied without Our express written agreement.

We strongly recommend that You read this Warranty Policy and the Warranty Certificate. If You are not clear about any of the information please telephone Our help desk on 0845 8801050.

Your rights under the Part P Warranty are in addition to any rights You may have against the Approved Contractor.

Your Right to Cancel

If You decide that You wish to cancel Your Part P Warranty, return it within 14 days starting from the date You receive the policy documents and, provided no claims have been made, We will refund the premium.

To cancel please write to Customer Services (Part P), ECIC, ECA Court, 24 South Park, Sevenoaks, Kent, TN13 1DU. All Part P Warranty Policy documentation must be returned to Us with the cancellation request.

You may also cancel Your Part P Warranty at any time after this period however; no refund of premium will be paid.

Basis of Cover

If the Work performed and certified by the Approved Contractor under their Contract fails to comply with the Relevant Standards We will indemnify You against the cost of rectifying such Work to the Relevant Standards.

Provided that no claim shall be effective unless and until We are satisfied that You have given the Approved Contractor a reasonable opportunity to rectify any alleged failure to comply with the Relevant Standards.

Financial Limit

The most We will pay for all claims arising from any one Contract is the Contract Value up to a maximum of £30,000.

Period of Cover

For a claim to be valid You must notify Us within the Warranty Period specified on the Warranty Certificate.

Exclusions

We shall not be liable for

1. any Contract where the Contract Value exceeds the Contract Value Limit specified on the Warranty Certificate.

2. any failure to comply with the Relevant Standards caused by the unreasonable withholding of money due under the Contract.

3. any reduction in value or loss of enjoyment, use, income or opportunity, inconvenience, distress or any other consequential or economic loss except as specifically provided for in this Warranty.

4. any claim arising from any alteration, modification or addition to the Work after Practical Completion other than in respect of rectification or maintenance work performed by the Approved Contractor.

5. wear and tear or deterioration caused by neglect or failure to carry out normal or specific maintenance.

6. any professional fees except those reasonably incurred with Our specific written consent.

7. any failure to comply with the Relevant Standards:

a. where this Warranty was effected more than 60 days after Practical Completion, or

b. which was known to You at the time this Warranty was effected, or

c. which resulted in a reduction in the purchase price paid for the dwelling by any successor in title.

8. damage to or the failure or breakdown of the Work or any element therefore unless such damage failure or breakdown is directly and solely attributable to the failure of the Work to Comply with Relevant Standards.

Claims Conditions

1. After notifying a claim You must supply such supporting information as We may reasonably require.

2. A valid claim will be dealt with as follows:

a. We will appoint a consultant to inspect and make a written report on the Work. You must afford every reasonable facility for this, and shall be entitled to a copy of the report.

b. If in the consultant’s opinion any of the Work fails to meet Relevant Standards, We will at Our option arrange for it to be rectified either by the Approved Contractor or any other competent contractor. You must allow reasonable access for this purpose. Alternatively, at Our discretion We may elect to pay You a cash sum to discharge Our liability under this Warranty.

3. Our liability in respect of any rectification work carried out under this Warranty will expire at the end of the Warranty Period applicable to the original Work.

General Conditions

1. You must credit Us with any sums that You can recover or lawfully retain from the Approved Contractor. If We so require You must assign to Us any rights of recovery against any party in relation to the Work to the extent of the Indemnity provided hereunder.

2. We shall not be liable under this Warranty if You are entitled or would but for the existence of this Warranty be entitled to an indemnity under any other warranty, guarantee or insurance except to the extent of any excess beyond the amount payable under such other warranty, guarantee or insurance had this warranty not been effected.

3. This Warranty shall be governed, interpreted and construed in all respects according to the Law of England and Wales.

4. Any dispute or difference arising under, or in respect of the interpretation or effect of this Warranty shall be referred under the Arbitration Acts to an Arbitrator either agreed between You and Us, or if not so agreed within 14 days, appointed on the application of either party by the President of the Chartered Institute of Arbitrators.

Definitions

Approved Contractor

An electrical contractor registered with ELECSA Certification Limited as a Competent Person under Part P of The Building Regulations 2000 (as amended).

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Contract

The contract, sub contract or sub-sub-contract with the Approved Contractor for the Work. The Contract must be evidenced in writing.

Contract Value

The original agreed price for the Work (including Valued Added Tax) to be performed under the Contract including any agreed and evidenced variations thereto.

Practical Completion

The practical completion of the Work, or when the Contract has no provision for practical completion it is the completion or terminal date of the Work.

Relevant Standards

Standards of

1. materials, only where the Approved Contractor is responsible for their specification, selection or approval

2. workmanship or professional practice

being or equivalent to those recommended or required by

Approved Document P (“Part P”) and/or

Regulations 4 and 7

of The Building Regulations 2000 (as amended) at the time of entering the Contract.

We / Our / Us

The Electrical Contractors’ Insurance Company Limited.

Work

A fixed electrical installation at the dwelling described in the Warranty Certificate, including associated activities and the materials to be incorporated therein, performed and certified under the Contract by the Approved Contractor.

You / Your

The owner of the premises at which the Work is situated described as “The Insured” on the Warranty Certificate and their successors in title.

Important Information

Complaints Procedure

We are committed to maintaining a high standard of professional conduct in all Our dealings with customers.

However if You feel that Your Warranty arrangements have not been handled in the manner in which You would expect and wish to make a complaint, please contact the Manager of the department you have been dealing with. We will ensure that the matter receives immediate attention. You will be sent a copy of Our Complaints Handling Procedure.

If You feel that the matter has not been settled to Your satisfaction You may write to the Managing Director, ECIC, ECA Court, 24 South Park, Sevenoaks, Kent, TN13 1DU.

If You are not satisfied with Our investigation and conclusion of Your complaint or eight weeks have passed since initially making Your complaint You may refer the matter to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR.

The Financial Services Compensation Scheme (“FSCS”)

We are covered by the FSCS. You may be entitled to compensation from the scheme if We cannot meet Our obligations. This depends on the type of business and the circumstances of the claim.

Effecting and carrying out contracts of insurance is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit.

Further information about compensation scheme arrangements is available from the FSCS.

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