Standard Cover
Home Emergency Cover provides emergency repairs to your home to limit the damage and inconvenience to you. With approved contractors available day and night, we'll help restore harmony to your home.
Residential Standard Cover Level -A limit of £500
Plus Cover
Residential Plus Cover level – Offers extra cover for your Primary Heating system. A limit of £500 per claim (including VAT) with an overal maximum limit of £1000 per year which covers call out charges, labour, parts and materials.
Policy Highlights
- There is no excess under this insurance. Some providers may charge an excess to reduce the annual premium. We are offering all this at a competitive annual price.
- Market research reveals that some competitors choose to exclude claims for a Primary Heating System that has not been services in the last 12 months. We choose not to exclude claims on this basis alone, instead we assess whether the lack of servicing is material to the claim. This wider interpretation of cover ensures you’re not prejudiced unnecessarily.
- Some Home Emergency providers choose to exclude blocked toilets where there is another working toilet available in the property. We recognise that more than 40% of UK properties have two or more toilets and that blockages may create unpleasant smells and pose a health and safety risk to our clients. We will provide assistance regardless of the number of functioning toilets available in your home.
- Not all Home Emergency policies cover LPG fuelled and oil-fired heating systems. We recognise that there are approximately 4 million homes in the UK without access to main gas services. We cover almost any type of domestic primary heating system, such as LPG and oil-fuelled systems, wood pellet boilers and warm air units.
- Some Home Emergency insurance policies will not respond to the failure of Primary Heating Systems during summer months. We will respond to a failure of heating 24/7, 365 days a year. If you feel you need to have the heating on we treat this as an emergency, regardless of the temperature outside.
- Some of our competitors choose to recover the cost of claims from clients if their blockage is due a build-up of fat and grease. We understand that even the most cautious of people may experience a blockage due to a build-up of fat and grease from time to time. If you make a drainage claim and the cause is found to be fat and grease, we will cover the claim providing that there have been no previous claims of the same nature in the past year. We also offer advice on how to prevent further blockages from occurring.
Learn more about whats included in our Standard and Plus cover.
Residential Standard Cover
Plumbing & Drainage
Damage to or failure of the plumbing and drainage system where internal
flooding or water damage is likely, including blocked toilets and external
drains.
Internal Electricity
An electricity failure of at least one complete circuit.
Gas Supply
Repairing or replacing a section of damaged internal gas supply pipe causing a leak.
Water Supply
A complete loss of the water supply to the kitchen or bathroom.
Security
Damage to or failure of an external lock, door or window which renders the home insecure.
Access to Home
Loss of the only available key to the home which cannot be replaced, and normal access cannot be obtained
Pests
An infestation of wasp nests, hornet nests, mice and/or rats.
Roofing
Missing, broken or loose tiles causing internal water damage.
Overnight Accommodation
Overnight accommodation where the home is rendered uninhabitable.
- Circumstances which are not defined as an Emergency
- Circumstances known to you prior to the commencement date of this insurance.
- Claims arising within the first 14 days from the commencement of this insurance.
- Systems and/or equipment which has not been properly installed or maintained.
- Any claim arising from gradual deterioration and/or wear and tear.
- Garages, outbuildings, leisure equipment, cesspits, septic tanks, swimming pools or fuel tanks (unless covered under Pests).
- Claims where our engineer has advised there is no emergency repair available.
- General maintenance work or any system that has not been regularly maintained.
- Costs for excavation or trace and access.
- The replacement of water tanks, cylinders, and central heating radiators; external WC’s; external pipes and taps.
- Descaling, any work arising from hard water deposits and/or power flushing.
- The interruption or disconnection of public services to the home however caused.
Important Restrictions - Residential Standard Cover
- The maximum amount payable per claim is £500.00
- The maximum amount payable per period of insurance is £1,000.
- Overnight Accommodation claims up to £250.
- All claims should be reported within 24 hours
- You have to wait 14 days from the start of the contract to make any claim
- Your home must be your permanent place of residence and occupied by you and your family.
- Circumstances known to you prior to the commencement date of the policy will not be covered.
- Claims arising where the home has been left unoccupied for a period exceeding 30 consecutive days.
Residential Plus Cover
Plumbing & Drainage
Damage to or failure of the plumbing and drainage system where internal
flooding or water damage is likely, including blocked toilets and external
drains.
Internal Electricity
An electricity failure of at least one complete circuit.
Gas Supply
Repairing or replacing a section of damaged internal gas supply pipe causing a leak.
Water Supply
A complete loss of the water supply to the kitchen or bathroom.
Security
Damage to or failure of an external lock, door or window which renders the home insecure.
Access to Home
Loss of the only available key to the home which cannot be replaced, and normal access cannot be obtained
Pests
An infestation of wasp nests, hornet nests, mice and/or rats.
Roofing
Missing, broken or loose tiles causing internal water damage.
Overnight Accommodation
Overnight accommodation where the home is rendered uninhabitable.
Also includes:
Primary Heating System
The complete breakdown of the domestic boiler and/or central heating system which results in the loss of heating and/or hot water.
Boiler Replacement Contribution
A contribution towards the cost of a replacement boiler should yours be deemed to be beyond economical repair.
Alternative Heating
Up to £100 towards the cost of alternative heating sources where deemed necessary following a claim under Primary Heating System
- Circumstances which are not defined as an Emergency
- Circumstances known to you prior to the commencement date of this insurance.
- Claims arising within the first 14 days from the commencement of this insurance.
- Systems and/or equipment which has not been properly installed or maintained.
- Any claim arising from gradual deterioration and/or wear and tear.
- Garages, outbuildings, leisure equipment, cesspits, septic tanks, swimming pools or fuel tanks (unless covered under Pests).
- Claims where our engineer has advised there is no emergency repair available.
- General maintenance work or any system that has not been regularly maintained.
- Costs for excavation or trace and access.
- The replacement of water tanks, cylinders, and central heating radiators; external WC’s; external pipes and taps.
- Descaling, any work arising from hard water deposits and/or power flushing.
- The interruption or disconnection of public services to the home however caused.
- For Residential Plus Cover, Boilers that are over 15 years old are also excluded.
Important Restrictions - Residential Plus Cover
- The maximum amount payable per claim is £500.00
- The maximum amount payable per period of insurance is £1,000.
- Overnight Accommodation claims up to £250.
- All claims should be reported within 24 hours
- You have to wait 14 days from the start of the contract to make any claim
- Your home must be your permanent place of residence and occupied by you and your family.
- Circumstances known to you prior to the commencement date of the policy will not be covered.
- Claims arising where the home has been left unoccupied for a period exceeding 30 consecutive days.
Find out more about our cover with these common questions.
Unlike other providers, we do not charge an excess if you make a claim. All callouts are covered by your annual premium up to the specified policy limits. Our cover is underwritten by Royal & Sun Alliance, a UK-leading insurer, and claims are administered by LIM Group who are specialist Home Emergency claims handlers with access to a nationwide network of around 2,000 engineers, so you know you're in good hands.
Under both Residential and Residential Plus cover, there are no set amount of call outs a year. However, there is a £500 limit for each claim you make and an overall limit for the year of £1000
Our Residential and Residential Plus cover, is not available for a property you rent or let. However, we do offer this cover under a separate contract. Please click on the following link to take you to our Landlord Home Emergency Cover.
Our covers will provide up to £500 per incident with a maximum limit for the year of £1000 which is more than enough for most home emergencies. However, should any repairs or replacement parts exceed this level, we can aid in arranging these repairs for you with any additional costs being paid for by you. You will be informed of these costs before any work is undertaken
All claims must be reported within 48 hours of the incident.
There may be times when our contractor has to carry out trace and access in order to locate the emergency. This may involve removing and/or damaging parts of the home, fixtures and fittings to enable the contractor to find the source of the issue. In these circumstances, we will not be responsible for any damage caused where this has been deemed as necessary by our contractor in order to complete a temporary repair (or a permanent repair where this can be done at a similar cost). This will be carried out with the permission of the homeowner.
We require that you make sure that your home is in good condition and that you do your best to prevent anything that may cause a claim. This means that you must carry out any inspections or services of fittings in accordance with the manufacturer's instructions and complete any necessary maintenance to the structure of the home. Our cover is designed to address sudden emergencies which require immediate assistance.
Yes, you have to wait 14 days from the start of the contract to make any claim.
Please call our helpline within 48 hours of the incident arising, on 01384 884040 which is open 24/7, 365 days a year.
What makes this policy the best Home Emergency Cover?
This home emergency assistance policy is designed to make your home safe and secure, and repairs carried out will aim to prevent further inconvenience to you and damage to your home. We provide up to £500 per incident with a maximum in any one year of £1000, to make sure that, in the event of a home emergency, help is at hand. Access to a 24/7 helpline means that assistance is available when you need it most. Prefer to sort it out yourself? Emergency call-out charges can be costly, but this and much more is covered in one annual policy.