CoverEstate

CoverEstate Fix & Assist Plan – Terms and Conditions

CoverEstate Fix & Assist PlanEmergency Home & Business Repair Plan

The CoverEstate Fix & Assist Plan is a membership-based emergency repair service designed to provide homeowners, landlords, and business owners with fast, reliable access to vetted tradespeople for urgent repairs. This plan helps manage unexpected repair costs for essential services like heating, plumbing, electrics, and minor roofing issues, ensuring peace of mind with 24/7 support.

1. Definitions

CoverEstate:
The service provider of the Fix & Assist Plan.
Plan Holder:
The individual or entity enrolled in the Fix & Assist Plan.
Service Request:
A request for repair or maintenance covered under the plan.
Emergency:
An event requiring immediate repair to prevent further damage or ensure safety.
Approved Tradesperson:
A CoverEstate-authorized professional performing repairs.
Onboarding Survey:
A mandatory survey conducted before plan activation to assess property condition and potential exclusions.

2. About the Fix & Assist Plan

The CoverEstate Fix & Assist Plan offers 24/7 access to approved tradespeople for emergency home and business repairs. This is a service plan, not an insurance policy, and is not regulated by the Financial Conduct Authority (FCA). All services are coordinated by CoverEstate using approved, experienced tradespeople.

3. Coverage Details

Covered Services

  • ✓Boiler breakdowns
  • ✓Boiler controls and components
  • ✓Central heating leaks
  • ✓Gas supply pipe leaks
  • ✓Annual boiler service
  • ✓Plumbing leaks
  • ✓Blocked drains
  • ✓Toilet & sink blockages
  • ✓Water supply pipe leaks
  • ✓Taps (dripping/seized)
  • ✓Electrical faults
  • ✓Fuse box repairs
  • ✓Light switch repairs
  • ✓Electric shower faults
  • ✓Roofing repairs (slipped tiles/leaks)

Services Not Covered

  • ✕Household appliances
  • ✕Shared drains
  • ✕Guttering & Soakaways
  • ✕Gas pipe leading into the meter
  • ✕Full system replacements
  • ✕Cosmetic repairs
  • ✕Pre-existing faults (identified on survey)
  • ✕Negligence or intentional damage
  • ✕Air heating systems (unless agreed)
  • ✕Underfloor heating (unless agreed)
  • ✕Non-standard/hybrid heating systems

5. Onboarding Process

Step 1

Book Your Free Property Health Check Survey

Identify existing issues.

Step 2

Survey Review

We may recommend improvements for plan eligibility.

Step 3

Activation

Once both parties agree, your Fix & Assist Plan begins with a 30-day waiting period.

Any exceptions or special inclusions must be approved in writing during the onboarding process. Verbal agreements are not valid.

6. Claims and Service Requests

Initiating a Service Request

  • Call the business line provided at signup.
  • Claims can only be made 30 days after plan activation.

Claim Limits

  • Each claim is capped at £1,000 (including parts and labor).
  • Unlimited claims annually, subject to the £1,000 cap.
  • If a repair exceeds £1,000, you will be notified of the additional amount.
  • You can choose to proceed by covering the excess cost or opt for alternative solutions.

7. Materials and Fixtures Standards

  • •All repairs and replacements will use standard, high-quality parts and materials that comply with industry standards.
  • •If you request premium or specialized fixtures, these can be provided at an additional cost.

8. Excluded Heating Systems (Unless Formally Approved)

Air Heating Systems

(e.g., air source heat pumps, ducted air heating, air-to-air heat exchangers) are not covered unless explicitly approved during the onboarding survey and confirmed in writing by CoverEstate.

Underfloor Heating Systems

Require full design and installation documentation. Coverage is only valid if formally approved in writing following the onboarding survey.

Non-Standard or Hybrid Heating Systems

Are similarly excluded unless explicitly approved in writing.

8. Plan Fees and Payment

Residential Customers

  • The standard plan fee is £49 per month per residential unit.
  • This fee includes coverage as outlined in the "What's Covered" section, subject to the plan terms and conditions.

Landlords and Business Owners

Fees for landlords and business owners are determined on a case-by-case basis depending on:

  • Number of properties or units covered.
  • Property type and complexity.
  • Additional services requested (if any).

The exact plan fee will be confirmed at the time of sign-up and outlined in the client's agreement.

Payment Methods

Monthly Payments:

Collected via Direct Debit or card payment.

Annual Payments:

Available upon request. Payment can be made via:

  • BACS Transfer
  • Cash
  • Cheque

Payment details for BACS, cash, or cheque will be provided upon plan confirmation.

Payment Terms

  • All monthly payments are due on the agreed billing date.
  • Annual payments are due in full at the start of the annual term.
  • Late or failed payments may result in plan suspension or cancellation.

Fee Adjustments

  • CoverEstate reserves the right to adjust plan fees with 30 days' written notice.
  • Custom pricing for landlords or business owners will remain in effect for the agreed-upon term, after which adjustments may be proposed.

10. Cancellation and Termination

Plan Holder Cancellation

Within 30 Days of Activation:

  • You may cancel your Fix & Assist Plan within 30 days of the activation date for a full refund, minus any costs incurred for claims or services (e.g., healthcheck survey, boiler servicing).
  • If a claim has been made within this period, the refund will be reduced by the full cost of the claim(s).

After 30 Days of Activation:

  • You may cancel at any time with 30 days' written notice.
  • Refunds will be calculated on a pro-rata basis for the unused portion of the plan, minus:
    • The cost of any claims made.
    • The cost of services already provided (e.g., healthcheck survey, annual boiler service).
    • An administrative fee to cover plan setup and management costs.

If Claims Exceed Fees Paid:

If the total cost of claims or services provided exceeds the total fees paid under the plan, no refund will be issued upon cancellation.

CoverEstate Cancellation

CoverEstate reserves the right to cancel the plan with 30 days' written notice in the event of:

  • Non-payment of fees.
  • Misuse of services (including false or fraudulent claims).
  • Breach of Terms and Conditions.

If fraud is suspected, CoverEstate reserves the right to cancel the plan immediately without notice.

Refund Upon Cancellation by CoverEstate

  • If CoverEstate cancels the plan without cause, a pro-rata refund will be issued for the unused portion of the plan.
  • If cancellation is due to breach of terms or misuse of services, no refund will be provided.

Disclaimer

Changes to Terms and Conditions

CoverEstate reserves the right to update or modify these Terms and Conditions at any time. Any changes will be communicated to plan holders with at least 30 days' written notice. Continued use of the Fix & Assist Plan after changes have been communicated constitutes acceptance of the updated terms.