WELCOME TO DAS HOME ASSISTANCE
Thank you for taking out a DAS policy.

To make sure you get the most from your DAS cover, please take time to read the policy which explains the contract between us. If you have any questions or would like more information, please contact your insurance adviser.

How we help you

We are here to help you 24 hours a day, 365 days a year.
Before requesting assistance please check that the circumstances are covered by this policy. In the event of a home emergency, call our Domestic Assistance Helpline on 0800 389 8804 and provide the following information:
  • Policyholder's name and address including postcode.
  • Nature of the home emergency.
A DAS assistance operator will arrange for one of our approved contractors to come to your assistance as quickly as possible. Remote locations or unforeseeable adverse weather conditions may affect normal standards of service.

It is important that you contact our assistance operation centre as soon as possible after the home emergency. We will not cover any call-out charges or labour costs unless we have given our agreement, or if there is no one at home when our approved contractor arrives.

All telephone calls to us are monitored and recorded as part of our training and quality assurance programmes.

When we cannot help

We cannot help in any Major Emergency which could result in serious risk to you or substantial damage to your home. In this situation, you should immediately contact the Emergency Services and any company that supplied the service.

Problems

We will always try to give you quality service. If you think we have let you down, please write to our Managing Director at Head Office and he will try to help. Our Head and Registered Office is:

DAS Legal Expenses Insurance Company Limited.
DAS House, Quay Side, Temple Back,
Bristol, BS1 6NH
Registered in England and Wales.
Company number: 103274.
THE MEANING OF WORDS IN THIS POLICY
We, us, our DAS Legal Expenses Insurance Company Limited.
You, your The person who has taken out this policy.
Insured person You and any other person who lives in or is staying at your home.
Home Your principal home (having no more than 15 rooms) situated within the United Kingdom of Great Britain and Northern Ireland, the Isle of Man and the Channel Islands.
Home emergency A sudden unforeseen event which requires immediate corrective action to:
  1. prevent damage or further damage to your home; or
  2. to make your home safe or secure; or
  3. alleviate unreasonable discomfort, risk or difficulty to any insured person.
Period of cover The period for which we have agreed to cover you.
Main heating system The main hot water or central heating system in your home. This does not include any non-domestic heating or hot water systems or any form of solar heating.
INSURED EVENTS COVERED

Having paid the appropriate premium, an insured person is entitled to use the DAS Domestic Assistance Service 24 hours a day, 365 days a year during the period of cover.

If the service you need is not provided under these terms, we will try (if you wish) to arrange it at your expense. The terms of such service are a matter for you and your supplier.

We will pay:
  1. the call-out charge and up to 2 hours labour costs; and
  2. parts and material to a maximum of £100 including VAT;
    in providing assistance if a home emergency has occurred during the period of cover due to one or more of the following:
    1. Plumbing and drainage
      The sudden damage to, or blockage, breakage or flooding of, the drains or plumbing system in your home.
    2. Main heating system
      The sudden failure to function of the main heating system in your home.
    3. Domestic power supply
      The failure of the domestic electricity, or domestic gas supply, but not the failure of the mains supply.
    4. Toilet unit
      Impact damage to, or mechanical failure of the toilet bowl or cistern in your home which results in complete loss of function.
    5. Home security
      Damage to, or the failure of, external doors, windows or locks which compromises the security of your home.
    6. Lost keys
      The loss of the only available set of keys to your home if you cannot replace them, or gain normal access.

WHAT IS NOT COVERED

Any event or matter arising before the start of the policy.

Any normal day-to-day home maintenance which you should carry out or pay for (such as servicing of heating and hot water systems) and the replacement of parts that tend to gradually wear out over a period of time or need regular attention.

The cost of redecorating, or cosmetic repairs to parts or equipment in your home.

Any claim where you have left your home unoccupied for 30 consecutive days.

Any claim arising from an insured person's failure to comply with our instructions in respect of the assistance being provided.

Any costs incurred before an insured person has notified us of a home emergency.

Claims arising from any wilful or negligent act or omission by an insured person.

Any claim relating to the interruption, failure or disconnection of the mains electricity, mains gas or mains water supply.

Any claim relating to the failure of equipment or facilities which is a result of them being incorrectly installed, repaired or modified, or which is caused by a design fault which makes them inadequate or unfit for use.

Claims for parts or labour if the equipment or facility is still under guarantee or warranty from the manufacturer, supplier or installer.

The malfunction or blockage of septic tanks, cess pits or fuel tanks.

Damage incurred in gaining necessary access to, or in reinstating the fabric of, your home.

Any claims arising out of subsidence, landslip or heave.

Any properties that you own that are not your main residence or that you rent or let.

Damage to boundary walls, gates, hedges or fences and any damage to garages or outbuildings.

Any claim related to your failure to purchase or provide sufficient gas, electricity or other fuel source.

Any costs incurred where our approved contractor has attended but your home was unoccupied.

Home emergencies caused by, contributed to by or arising from:
  • ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel;
  • the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear part of it;
  • war, invasion, foreign enemy hostilities (whether war is declared or not), civil war, rebellion, revolution, military force or coup;
  • pressure waves caused by aircraft or any other airborne devices travelling at sonic or supersonic speeds;
  • pollution or contamination of any kind.

CONDITIONS

An insured person must keep to the terms and conditions of this policy.

You must maintain your home and all domestic equipment in good condition, and carry out or arrange for regular inspections and preventative maintenance to the fabric and structure, and take all reasonable steps to avoid or minimise any claim.

We can cancel this policy at any time as long as we tell you at least 21 days beforehand.

You can cancel this policy at any time as long as you tell us at least 21 days beforehand.

We will make every effort to provide the service at all times, but we will not be responsible for any liability arising from a breakdown of the service.

We will not be responsible for any consequential loss in connection with the home emergency, however it is caused.

We will not pay any claim covered under any other policy, or any claim that would have been covered by any other policy if this policy did not exist.

This policy will be governed by English law.