Exclusions and Limitations Explained

As with most insurance policies there are some items that cannot be insured and some limitations that must be made on some items that are insured. Exclusions and Limitations of the policy are outlined below.
(for a full list of Exclusions and Limitations please refer to your policy documentation):

IBG Exclusions  Exclusions
The amount of the excess as shown on your Certificate / Cover note or any defect that would not have been recoverable under the Contractor’s own written guarantee.

IBG Limitations  Limitations
The policy provides cover where the contractor has ceased to trade due to insolvency, which means, for a Limited Company, Receivership, Administration, or Liquidation and for sole-traders and Partnerships the Bankruptcy of the proprietor(s). For Deposit Protection, no more than 25% of the contract value to a maximum of £10,000, or the actual deposit paid, whichever is the lesser.

Policy Complaints Procedure

Any enquiries you may have regarding this insurance should be addressed to HomePro Insurance, Suite 40b, Port of Liverpool Building, Liverpool L3 1BY, or phone 08707 344 344. Please quote the Certificate number so that the enquiry can be dealt with quickly.

If you have a complaint regarding this insurance you should write to the Insurer named on the Certificate of Insurance at the contact details contained within the Terms and Conditions of the insurance.

In the unlikely event that the matter is unresolved once the above have been contacted,
you can then approach: The Financial Ombudsman Service, Exchange Tower, London E14 9SR, telephone 0800 023 4567.

There are some instances where the Financial Ombudsman Service is unable to consider complaints. This procedure will not prejudice your right to take legal proceedings.

HomePro Ltd, Suite 40B, Port of Liverpool Building, Pier Head, Liverpool, L3 1BY
HomePro is the trading name of HomePro Ltd. Registered in England Company Number 3833783
HomePro Ltd is authorised and regulated by the Financial Conduct Authority, FCA Number 304449
General Enquiries: (+44) 0800 131 0123 - Membership Enquiries: 0800 131 0500 - Fax: (+44) 0800 131 0900