ADH 15.04a 38 Home Assistance (optional extra) Your policy schedule will show if this section is in force. This policy is underwritten by Inter Partner Assistance SA (IPA) which is fully owned by the AXA Assistance Group. Inter Partner Assistance is a Belgian firm authorised by the National Bank of Belgium and s ubject to limited regulation by the Financial Conduct Authority. Details about the extent of its regulation by the Financial Conduct Authority are available from us on request. Inter Partner Assistance SA firm register number is 202664. You can check thi s on the Financial Services Register by visiting the website www.fca.org.uk/register or by contacting the Financial Conduct Authority on 0800 111 6768. AXA Assistance (UK) Limited provides the services described in the policy. This insurance is governed by the laws of England and Wales The definitions below apply to this section only. Where we explain what a word means that word will appear highlighted in bold print and will have the same meaning wherever i t is used in this section. We list the definitions alphabetically. Authorised contractor A tradesperson authorised by us to assess your claim, and carry out repairs in your home under this policy and under our delegated authority. Beyond economical repair Means where we estimate that the cost of repairing your primary heating and / or hot water system would be more than its current value, or, that we are unable to obtain spare parts to repair it. Emergency A result of a sudden and unforeseen event at the home that, if not dealt with quickly will: 1. expose you or anyone else in the home to a health risk or 2. cause a risk of or loss of or damage to the home and or any of your belongings or 3. render the home uninhabitable. The emergency will also include permanent and irreplaceable loss of all keys required to gain access to the home. Emergency repairs Work undertaken by an approved contractor to resolve the emergency by completing a temporary repair. Home The house or flat shown on your policy schedule, its integral (built-in) garages all used for domestic purposes only in the United Kingdom. It does not include detached garages, sheds, greenhouses and other buildings. Insured/you/your You, the policyholder, and/or any member of your immediate family normally living at your home. IPA/we/us/our Inter Partner Assistance SA, The Quadrangle, 106 - 118 Station Road, Redhill, Surrey RH1 1PR and/or its service provider AXA Assistance (UK) Limited, of the same address. Permanent repair Repairs and/or work required to put right the damage caused to the home by an emergency .