These Terms & Conditions apply to all Home Cover Service Plans provided by MPH Installations Ltd.
By purchasing or activating a Home Cover Plan you agree to these Terms & Conditions.
1. IMPORTANT NOTICE – NOT AN INSURANCE PRODUCT
The MPH Home Cover Plans are service and maintenance agreements.
They are not insurance policies and do not provide financial indemnity or compensation.
MPH Installations Ltd provides repair, servicing and maintenance works directly to the property systems described in your chosen plan.
We do not underwrite risk in the way an insurer would.
2. DEFINITIONS
Plan – The Home Cover Service Plan selected by the customer. Customer – The person responsible for payment of the Plan. Property – The address where the system is installed. Repair Visit – An attendance by MPH to diagnose or repair an eligible fault. Excess – The customer contribution payable for certain repair visits. Works – Any servicing, repair or installation carried out by MPH. Covered System – The boiler and/or systems described within the chosen plan level. 3. ELIGIBILITY To qualify for a Home Cover Plan:
The property must be within our service area. The customer must be 18 years or older. The property must have five bedrooms or fewer. The heating system must include a domestic gas condensing boiler under 70kW. The boiler must be 10 years old or less at the time of activation. The system must be fully operational and free from faults at activation. MPH may request:
System details Photographs Service history Additional information MPH reserves the right to decline or suspend cover where eligibility cannot be confirmed.
4. ACTIVATION OF COVER Cover begins when:
Registration is completed Payment method is established Eligibility requirements are satisfied A 14-day waiting period applies from the activation date. Repair visits cannot be requested during this period. This condition prevents plans being used to rectify pre-existing faults. 5. PLAN COVER LEVELS
Each Home Cover Plan provides different levels of service. Typical services may include: Annual boiler service Carbon monoxide safety check Heating system repairs Plumbing cover Electrical cover Priority response Coverage varies depending on the plan selected. Full details are available on our Home Cover Plan page. 6. FAIR USAGE POLICY
Home Cover Plans are intended for routine breakdown and maintenance assistance, not unlimited repair services. To ensure fairness for all customers: A maximum of 3 authorised repair visits per 12-month period is permitted. Each repair visit is subject to a maximum value of £1,000 including parts and labour. Once these limits are reached, further works may still be carried out but will be chargeable. 7. EXCESS PAYMENTS
Certain plans include an excess. Where applicable: A £50 excess applies per authorised repair visit. The excess must be paid before or at the time of the visit. Plans without excess will not require this payment. 8. ANNUAL BOILER SERVICE
Where included within the chosen plan: One annual boiler service is provided per 12-month period. Services must be booked during normal working hours. Failure to complete the service may affect continued eligibility. 9. EXCLUSIONS The following are not covered under any Home Cover Plan:
Pre-existing faults Faults occurring during the waiting period Sludge or scale removal Power flushing Cosmetic repairs Damage caused by third parties Accidental damage Shared drainage systems Showers or sanitary ware unless specifically included Boilers older than 10 years Systems installed outside recognised standards Commercial systems Repairs relating to these issues may still be carried out but will be chargeable. 10. PRE-EXISTING FAULTS
Home Cover Plans cannot be used to resolve faults that existed before activation. If an engineer determines that a fault was present prior to cover starting: The repair will not be covered A quotation will be provided for the repair works This determination will be made based on professional assessment of the system condition. 11. ACCESS TO PROPERTY
The customer must allow safe and reasonable access to the property for inspection, servicing or repair visits. If access is not provided or the environment is unsafe, MPH may refuse to carry out works. 12. PAYMENT TERMS
Plans are available on a monthly or annual payment basis. Monthly plans require a valid Direct Debit or approved payment method. Plans have a minimum term of 12 months. 13. MISSED PAYMENTS If payments are missed:
Cover will be suspended until payment is received. Repair visits cannot be requested during suspension. Repeated missed payments may result in cancellation. 14. CANCELLATION
Customers may cancel their plan by giving 30 days written notice. A £37.50 administration fee may apply during the minimum contract period. Where repair visits have been provided during the contract period, cancellation may be deferred until the end of the current term. 15. INSPECTION RIGHTS MPH reserves the right to inspect the system at any time during the agreement.
If the system is found to be:
Unsafe Non-compliant Poorly maintained MPH may suspend cover until remedial works are completed. 16. FALSE OR MISLEADING INFORMATION Providing inaccurate information during registration may result in:
Suspension of cover Cancellation of the plan Repair visits being charged at standard rates 17. LIABILITY MPH will exercise reasonable care and skill when performing works.
However we are not responsible for:
Consequential loss Loss of earnings Indirect damage System damage caused by pre-existing faults Our liability is limited to the value of the works carried out.
18. SERVICE HOURS Standard service hours are:
Monday – Friday 8:00am – 5:00pm Excluding bank holidays. Out-of-hours visits may be chargeable.
19. AMENDMENTS MPH reserves the right to amend these Terms & Conditions where necessary.
Customers will be notified of any material changes.
20. COMPANY DETAILS MPH Installations Ltd
Company Number: 11659605
